Dental Insurance No Waiting Period Major Work
Edward needs to have major work done on a tooth as defined by his plan it is not covered under his dental insurance because he is still under the waiting period.
Dental insurance no waiting period major work. This plan also has a one time deductible per person or family. No waiting periods for major dental are generally not an option with health insurance policies although different health funds may offer a shorter waiting period than government standards in their policy which means you wait less than the standard. For some companies there is no waiting period for major dental care. Without dental insurance major dental servicescan cost in the hundreds or even thousand.
Unfortunately many dental insurance plans require a waiting period for certain services meaning treatments like fillings and root canals won t be covered for six months to a year or longer after. Major procedures include crowns root canals oral surgery complex extractions and more. With this type of coverage there are no waiting periods deductibles maximum coverage amounts or exclusions for pre existing conditions. This plan has low coverage amounts and percentages during the first year and these gradually reach reach their maximum by year three as a reward for loyalty.
What other factors should i be aware of. The cost of the procedure is 1500 and the dental plan would have only paid 50. Limited plans only cover major restorative dental care at this level after a lengthy waiting period of 6 12 months. The catch is that the premiums are usually higher.
This sounds great until you read the fine print about coverage limits. Many dental plans impose a 12 month waiting period for major dental work. Otherwise there is a waiting period of 6 months for basic restorative services or 12 months for major restorative services. Usually major dental procedures will have waiting periods of six twelve months.
As mentioned above there are no waiting periods for either diagnostic services such as x rays or preventive services like cleanings. A dental savings account is the best affordable alternative to traditional major dental insurance. In most cases major dental work such as crowns bridges and dentures has a waiting period of 6 12 or 24 months. Also the maximum payable for edward s plan per year is 1 500.
If you had a qualified dental insurance plan in place for at least 12 consecutive months before you joined cigna we will waive the waiting period for restorative care so you can get that filling or root canal right away.
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