Dental Insurance for Braces with No Waiting Period
When it comes to insurance, the waiting period can be a significant factor in your decision-making process. Especially in cases like dental insurance where immediate coverage may be needed for urgent procedures. We’ve curated a list of top dental insurance plans that offer no waiting period so you can get the care you need, when you need it.
Top Picks for Dental Insurance Plans With No Waiting Period
- Humana – Best overall
- Spirit Dental & Vision – Best for plan options
- Delta Dental – Best for preventative care coverage
- Cigna – Best for discounts
- UnitedHealthcare – Best for families
- Denali Dental – Best for choosing your own dentist
Best Overall: Humana
Ranked first in J.D. Power’s 2022 U.S. Dental Plan Satisfaction Study, Humana stands out with its multiple plan options and impressive customer satisfaction ratings. While they have limited coverage for orthodontic care and don’t cover implants, their low deductibles and decent maximums for most other dental needs make them a top choice.
| Plans available | Monthly premium | Annual coverage max | Deductible |
| Dental Savings Plus | $6.99 | Discount-only savings plan | Discount-only savings plan |
| Preventive Value | $19.99 | No annual max for preventative services | $50 per person ($150 lifetime) |
| Loyalty Plus | $38.99 | Annual maximum varies between $1,000 and $1,500 | $150 individual lifetime and $450 family lifetime |
Best for Plan Options: Spirit Dental & Vision
Spirit Dental & Vision offers a variety of plans with no waiting period, ensuring that customers can find a plan tailored to their specific needs. Their extensive options and customization flexibility make them ideal for a broad spectrum of dental requirements. One unique feature of Spirit is the option to add vision insurance for just an additional $7 per month. This versatility positions Spirit as a go-to choice for those looking to ensure both dental and visual health.
| Plans available | Monthly premium | Annual coverage max | Deductible |
| Basic Plan | $15.99 | $750 first year, increases annually | $100 |
| Standard Plan | $25.99 | $1,000 first year, increases annually | $100 |
| Premium Plan | $35.99 | $1,250 first year, increases annually | $100 |
| Vision Add-On | $7 (additional) | Covers annual eye exams, eyeglasses, or contact lenses | Varies based on selected plan |
With plans starting as low as $15.99 per month and a unique add-on option for vision coverage, Spirit Dental & Vision stands out for its adaptability and variety. Whether you’re a single individual or have a family, Spirit offers plan options that can cater to diverse dental and vision needs without breaking the bank.
Best for Preventative Care Coverage: Delta Dental
For individuals prioritizing preventative dental care, Delta Dental emerges as a front-runner. Recognizing the importance of regular check-ups, cleanings, and early detection, Delta Dental’s Preventative Plan offers 100% coverage on services like cleanings, X-rays, and sealants. This means subscribers can routinely maintain their oral health without incurring any out-of-pocket expenses for these services.
| Plans available | Monthly premium | Annual coverage max | Deductible |
| Preventative Plan | — | 100% coverage on cleanings, X-rays, and sealants | — |
The commitment of Delta Dental to preventative care not only safeguards the oral health of its members but also results in long-term cost savings by preventing or catching early, more serious dental issues. It’s an ideal choice for those who understand the value of consistent dental maintenance.
Best for Discounts: Cigna
Cigna is renowned not only for its extensive coverage but also for the significant discounts it offers. Being one of the major dental insurance providers in the U.S., Cigna’s strength lies in its expansive nationwide network. With access to over 93,000 dentists across the country, policyholders can rest assured that they’ll find a qualified provider near them. Beyond its vast network, what sets Cigna apart are the substantial discounts offered by their in-network dentists. These discounts can be particularly beneficial for individuals and families who require extensive dental work or specialized treatments.
| Plan Type | Monthly Premium | Annual Maximum | Deductible | Discount Percentage (Approximate) |
| Preferred Network Access | $25.99 | N/A | N/A | Up to 50% on various procedures |
| Cigna Dental 1000 | $30.99 | $1,000 | $50 | Up to 40% with in-network dentists |
| Cigna Dental 1500 | $42.99 | $1,500 | $50 | Up to 40% with in-network dentists |
The table above represents a general overview of Cigna’s dental insurance plans and the associated benefits. Discounts may vary based on your location, chosen dentist, and the specific dental procedure required. However, consistently across the board, Cigna has managed to secure its place among the top dental insurance providers, particularly for those looking for substantial discounts.
Best for Families: UnitedHealthcare
UnitedHealthcare stands out as a premier choice for families with its diverse range of family-friendly plans. Each individual within the plan can benefit from relatively high annual coverage amounts, ensuring comprehensive care for all family members. UnitedHealthcare understands the varying needs of family members and offers plans that cater to both children and adults.
| Plans available | Monthly premium | Annual coverage max | Deductible |
| Basic Plan | $25.99 | $1,000 | $50 per person |
| Advanced Plan | $35.99 | $1,500 | $50 per person |
| Premium Plan | $45.99 | $2,000 | $50 per person |
Furthermore, their extensive network ensures easy access to dentists for routine check-ups, braces, and other orthodontic needs. The ease of adding family members to existing plans makes the transition smoother, ensuring that the dental needs of every member are met without breaking the bank.
Best for Choosing Your Own Dentist: Denali Dental
Denali Dental offers unparalleled flexibility by allowing you to choose any dentist, regardless of whether they are in Denali’s network. With no waiting periods for any service, you get immediate coverage for all your dental needs.
| Plans available | Monthly premium | Annual coverage max | Deductible |
| Plan Name 1 (Placeholder) | Price Placeholder | Max Coverage Placeholder | Deductible Placeholder |
| Plan Name 2 (Placeholder) | Price Placeholder | Max Coverage Placeholder | Deductible Placeholder |
Conclusion
Selecting the right dental insurance requires careful consideration of various factors, including waiting periods. By opting for one of the above-insured plans, you can ensure immediate coverage, allowing you to take care of your dental health without unnecessary delays.
Frequently Asked Questions
1. Can I get dental insurance for braces with no waiting period?
Yes, some dental insurance plans offer coverage for braces without a waiting period, but they may come with higher premiums or limited availability. Always check the plan details to confirm immediate coverage.
2. What is typically covered in no-wait dental insurance for braces?
Plans with no waiting period may cover a portion of the orthodontic treatment cost, but coverage can vary. Most include basic services like consultations, exams, and a percentage of the braces cost.
3. Are there any restrictions with no-wait dental insurance for braces?
While these plans may offer immediate coverage, they often have restrictions such as annual limits, higher deductibles, or specific eligibility requirements. Always review the terms before enrolling.
