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Where can I buy dental insurance that I can use immediately?

Daniel Walker
Licensed Insurance Agent for 15 Years

UPDATED: Mar 19, 2020

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Buy Dental Insurance I Can Use ImmediatelyIf you are looking for dental insurance that you can use immediately, you may need to do some shopping around. Many policies allow you to use them immediately, but only for preventative care and diagnostic procedures.

So where can I purchase dental insurance? Enter your ZIP code to compare online insurance quotes immediately!

Waiting periods of 6 months to 18 months is the norm for most other types of dental insurance. You will need to compare benefits, cost and availability of each plan.

Procedures Determine the Best Plan

The type of use you have in mind for your dental insurance will often determine whether or not you choose one type of dental insurance over another.

If you simply want to get a check-up and do some diagnostic procedures, a regular dental insurance policy is a good choice and will allow you immediate covered access to a dentist.

However, if you have bigger dental issues and need restorative care, you may be better off opting for a plan that can be used immediately or paying the cost out of pocket.

Dental Insurance You Can Use Immediately

There are 2 different types of plans that can be used be more quickly than others, as they have no waiting period.

Direct Reimbursement

One type is direct reimbursement in which the insured pays for services and is reimbursed. One of the main features is the lack of waiting period. It is also the most costly type of dental insurance.

There are no limitations on the choice of doctor and no pre-authorizations are required. It is also linked to employment.

Dental Discount Plan

Dental Insurance I Can Use ImmediatelyThe other option you can use immediately is the dental discount plan. This is not actually insurance. It is not employment based and is much more affordable that direct reimbursement.

It resembles a membership based program and gives up to a 60% discount on many of the procedures that you are likely to be interested in such as:

  • Check-ups
  • Fillings
  • Cleanings
  • Braces

You must use dental providers who are a part of the program only. If you undertake a procedure that will require multiple visits be sure the provider plans to stay in the program until the end of your visits.

The immediacy and low cost of this option makes it a very popular one especially with those who have pressing dental issues to contend with and who can’t afford the high premiums of the direct reimbursement program.

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Shop For Dental Insurance Now

For dental insurance to meet your needs immediately or in the future, it makes sense to shop around. You need to carefully compare what is out there before you make a commitment to dental insurance. Because most policies have waiting periods before many types of coverage are available, you will want to make sure that you keep your policy at least for a couple of years in order to get the most from it before you change it.

When you need to shop around, use the free online dental insurance quotes tool to get all the quotes you want in order to make the best decision possible.

You will need to type in your zip code to begin. Then the tool will ask you a variety of questions that any insurer will need to know in order to formulate a price quote. When you have answered these questions the tool will submit the information to dental insurers serving your area.

What to Look for in a Quote

When you have your quotes you will need to look beyond price as you compare them. Be sure to look at:

  • Type of coverage
  • Exclusions
  • Limits
  • Co-pays
  • Waiting periods
  • Duration of the policy

Make sure that the prices you are comparing are for similar policies. You will also need to compare the insurers.

Research and Compare

purchase dental insurance that I can use immediatelyTake the time to research the company’s complaints record. You can tell a lot about a company by the amount and type of complaints that are lodged against them. Your state department of insurance can give you such information. You can also obtain such information through an online search for reviews or complaints about different insurance company.

Use an independent auditor to get a feel for the strength of the insurers you are considering. By getting the grade assigned to the insurer from one of the independent insurance ratings companies like A.M. Best or Moody’s,  you will be able to determine whether or not they have a solid financial outlook for the future. When you have evaluated all your different options, you will feel confident in making the right decision.

Start getting dental insurance quotes to compare now!

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