Dental Insurance with No Waiting Period

Dental insurance with no waiting periods lets you use covered benefits once your plan becomes effective. Spirit Dental plans have no waiting periods for preventive, basic or major services and coverage can begin as soon as the next day.

What is a waiting period in dental insurance?

A waiting period is a set window of time after you enroll in a dental plan during which certain services aren't yet eligible for benefits. This can matter if you enroll in a plan with waiting periods and find out you need a filling or a crown. You still pay the monthly premiums. But your benefits for those services won’t begin for up to a year.

Dental insurance with no waiting period removes that delay. Once your policy becomes effective, you can use benefits right away.

With Spirit Dental, you can enroll today and see any licensed dentist tomorrow with access to PPO benefits and immediate coverage for all services.

*Some plans may say they offer immediate benefits but only for preventive care. Be sure to check the plan details for care you expect to need.

How long are dental insurance waiting periods?

Waiting periods are almost always applied by service category rather than to the plan as a whole. Most dental plans offer preventive care immediately, basic care after six months and major care after twelve months.

Spirit removes the delay for all categories. Every procedure, from cleanings and fillings to crowns and implants, is available from day one.

If you’re comparing dental insurance plans, the major services category is the one to check. It’s where most plans differ and where your savings opportunity could be the highest.

For major restorative care, Spirit Dental has affordable plan options.

Why most plans have waiting periods and why Spirit doesn’t

Waiting periods exist to help keep dental plan premiums relatively low for everyone. Because major restorative care can get expensive, having a waiting period helps dental insurance companies balance the benefits they pay with people who keep their plan.

Spirit Dental takes a different approach to waiting periods. All Spirit plans have no waiting periods with coverage that grows over time. The longer you keep the plan, the better the benefits get.

If dental care is essential to overall health and wellness, then your dental plan should provide benefits when you need them. Cavities don’t wait. Why should your benefits?

Shop Spirit Dental’s no-wait plans today.

How to Spirit Dental’s no waiting period plans work with PPO benefits

One overlooked advantage of dental insurance is the discounted rates negotiated with PPO plans. These reduced rates help you save instantly on covered procedures. As a result, this automatically lowers your out-of-pocket cost in addition to your plan benefits.

Here’s how that works for a $1,000 dental crown procedure with a no-wait PPO plan from Spirit Dental in the first year: 

• Dentist rate: $1,000 dental crown
• 25% in-network rate: $850—$250 savings
• 25% major service coverage: $662.50—$187.50 savings
• Total savings: $437.50 ($250+$187.50)

And after the first year with Spirit plans, your benefits grow even higher, helping you save more the longer you keep the plan.

(This example is for illustrative purposes only. Actual pricing and coverage may vary.)

No waiting is just the beginning

Getting dental care shouldn't be complicated. When you need care, getting coverage right away matters. So does what your plan delivers after it begins.

Spirit Dental combines immediate coverage with benefits designed to help you get more from your plan:

• No waiting periods for all services
• Annual maximums up to $5,000
• A lifetime deductible only paid once, not every year like most plans
• Nationwide Ameritas PPO network with 25-50% reduced rates
• A variety of affordable plan options for any budget or need

Get your free dental quote today, compare affordable options in your area and start using your full coverage dental plan benefits from day one with Spirit Dental.

Choosing the best dental plan with no waiting period

When shopping for the best dental insurance with no waiting period, you likely have specific needs in mind. Here are scenarios where a no wait dental plan works best:

Immediate coverage for major services

Major dental care services like crowns, dentures and implants can quickly become expensive. Facing these needs can be stressful and painful. Finding a dental plan that provides immediate access to necessary procedures helps with significant savings and long-term health. 

Our no-wait dental plans offer comprehensive coverage for a wide range of major dental services, including:

• Root canals
• Crowns
• Bridges
• Dental implants
• Oral surgery
• Periodontal treatments
• Child orthodontia (braces and Invisalign)
• And more

Supplemental dental insurance

If you already have a dental plan or to pair with your health plan, supplemental dental insurance can help alleviate your out-of-pocket costs for expensive major care services. Spirit plans do not coordinate benefits, meaning they’ll pay from the entire amount—a huge benefit to you when deciding whether to purchase a secondary plan. Plus, your supplemental coverage begins instantly without the wait.

And as aging teeth begin to fade, having coverage when you need it ensures your oral health stays protected. Finding a dental insurance plan you can count on with comprehensive coverage complements your Medicare plan by filling the gaps in dental care. 

Emergency dental care needs

Emergencies such as a chipped tooth, severe toothache or a deteriorating crown may require immediate attention. Our no-wait dental plans with next-day effective dates and guaranteed acceptance ensure prompt access to dental care as early as tomorrow.

Child orthodontia

Your child’s smile helps them feel confident and focus on their academic studies. Waiting a full year for braces or Invisalign coverage to begin might not be feasible. With no waiting periods for child orthodontia, you can schedule an orthodontic appointment on day one of your plan’s start date, kickstarting their restored smile without delay.

Standalone dental coverage paired with your health plan (open enrollment)

Open enrollment is here, and don't forget about dental insurance that helps keep your oral health—and overall body health and wellbeing—in optimal shape. Explore our free dental insurance guide for open enrollment, helping you explore your options and find the best fit. 

How to get PPO dental insurance that starts tomorrow

Getting started with Spirit Dental is quick and easy:

1. Enter your ZIP code to run a quote and see plans available where you live.
2. Compare benefits and check your expected procedures and dentist options in-network with Ameritas.
3. Choose the effective date that works for you and enroll in your plan.

Spirit Dental offers guaranteed acceptance and a 30-day satisfaction guarantee.

If you need urgent dental attention, contact your dentist promptly rather than delaying care while shopping for insurance.

No Waiting Period Dental Insurance by State

Spirit Dental offers dental insurance with no waiting period across the country. Explore coverage options in your state:

• Florida dental insurance with no waiting period
• Texas dental insurance with no waiting period
• California dental insurance with no waiting period
• Georgia dental insurance with no waiting period
• Nevada dental insurance with no waiting period
• North Carolina dental insurance with no waiting period

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