A waiting period is time between enrollment and when coverage begins for certain services. Preventive care often has no wait, while major work may require 12+ months.
Waiting periods prevent adverse selection where people buy insurance only when needing expensive treatment, then cancel after receiving care.
Typical waiting periods: Preventive care 0-3 months, basic procedures 3-6 months, major procedures 6-12 months, orthodontics 12-24 months.
Yes, some plans offer no waiting periods, especially employer group plans, some DHMO plans, and certain individual plans at higher premiums.
Avoid waiting periods by choosing employer group coverage, DHMO plans, plans with waiting period buyouts, or maintaining continuous dental coverage.
Waiting periods apply per person from their individual enrollment date. Family members added later have their own waiting period start dates.
Some plans offer waiting period buyout options for additional premium, or waive waiting periods if you can prove prior continuous dental coverage.
Most plans cover preventive care (cleanings, exams, X-rays) immediately or after 30 days. This encourages enrollees to maintain oral health.
During waiting periods, you can still visit the dentist and receive care, but the insurance will not pay for services in categories still under waiting period.
Employer group plans often have reduced or no waiting periods, especially for employees enrolling during initial eligibility or open enrollment.