Compare No Waiting Dental Insurance Plans

The best dental insurance with no waiting periods depends on your needs, your situation and your location. 

Your needs

Dental insurance covers a vast array of tooth issues and prevention. From cleanings to fillings, root canals to implants, dentures to braces, these procedures and services can add up. Which dental insurance plan you choose may depend on the need you have and the amount the insurance will cover. All brands featured on this page offer no waiting periods. 

Your situation

Do you need a dental procedure ASAP? The dental brands on this page offer plans with no waiting periods. Are you thinking you’ll need dentures in a few years? Some plans offer increasing benefit coverage after year one. For family dental plans, some plans offer orthodontia coverage and major services for wisdom teeth. Further, there are also full coverage plans that cost a bit more, but you’ll receive more dental benefits—multiple preventive cleanings covered 100%, major services coverage with no waiting periods, orthodontia, etc. Alternatively, there are also plans that have a limited network of dentists but offer low monthly costs and discounted rates for specific procedures. 

Your location

When you shop for dental plans, you’ll find that plans have benefit-limits on which dentist you can visit. Some plans have large networks, and some plans have small networks. If you visit an in-network dentist with your plan, the benefits will be greater than if you see someone out-of-network. Your location may help you determine which plan is best for you.

The cost of dental insurance with no waiting periods is determined by premiums (monthly cost) and out-of-pocket costs that vary by plan. What are some of these out-of-pocket costs?

Coinsurance

Coinsurance is the split cost of what the plan pays and what you pay. Dental insurance is typically categorized by Preventive/Basic/Major services. These follow a percentage of coverage that typically looks something like 100/80/50.

From this, you would see that your preventive cleanings would be covered 100%, a basic service (like fillings) would get 50% coverage and major services (root canals, implants) would get 25% coverage. For the major service, the carrier pays 25% of the cost, and you pay 75%.

Copay

A copay is the cost you pay to your dentist for each visit.

Deductibles

Deductibles are a yearly or one-time fee that must be paid before the insurance company covers your dental procedure or service.

Dental insurance helps keep your teeth healthy and protects your wallet. Dental insurance gets you into the dentist for check-ups that help prevent major, more costly issues from occurring. If you’re in need of a dental procedure or service, dental insurance also lowers your out-of-pocket cost.

Yes. Dental insurance can be purchased at any time of year, and you can purchase for yourself as an individual and for your family.