Dental insurance is a worthwhile investment. Ensuring your oral health is in the best possible shape, all while paying less out of pocket, is a wise decision, especially when you think about your life in the years and decades ahead. But why do some companies include waiting periods as part of their policies? Why is it necessary for insurers to delay a patient’s care? The reason may surprise you, so to better understand, keep reading.
What is a Waiting Period?
A waiting period is the timeframe that falls between when you enroll in your plan and when you can begin to use your benefits.
Not all companies have them, and not all services require a waiting period, but many basic and major dental services may not be covered if one exists.
Also, the average timeframe a patient must wait before being able to access their benefits is 30 days to one year, depending on the company.
Why Are Waiting Periods Required?
The reason some dental insurance companies include a waiting period is primarily to prevent enrollees from signing up and using their benefits to cover a high-priced procedure, only to drop their coverage afterward.
Although waiting periods are not viewed in a positive light by many patients, it is designed to help keep monthly premiums lower. By encouraging individuals to carry insurance even when there are no issues that require treatment, it reduces the out-of-pocket costs patients must pay for the services they receive.
Can You Still Visit the Dentist During a Waiting Period?
Yes, you can still visit your dentist during this timeframe. Preventive services are not typically included as part of a waiting period. These include dental exams and cleanings, X-rays, etc. However, if you require dental fillings, dental crowns, tooth extractions, or root canals, you may be subject to waiting.
The only way to know if your plan includes a waiting period is to review the details beforehand. If you need assistance, you can always talk to a member of your dental team. Knowing how and when you can seek the oral healthcare you need is essential as you work toward a healthier smile.
About the Author
Dr. Barry Miller is pleased to lead the team at Northwest Family Dental of Marysville. Recognizing that many patients have dental insurance they want to use to help cover the cost of basic and major restorative treatment, our team is here to review the details of every plan. If a waiting period exists, we will discuss how to approach the situation so that a patient’s oral health does not decline further during this time. If you are unsure whether your plan includes a waiting period, contact us at (937) 642-3434.