Contract Between Insurance With No Waiting Period
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FAQ
There are some instances where you might be able to waive a waiting period for a dental plan. If you had an employer-based policy with an insurer, but no longer work for that employer, that same insurer might waive a waiting period if you sign up for one of their stand-alone dental plans.
A waiting period is the amount of time an insured must wait before some or all of their coverage comes into effect. The insured may not receive benefits for claims filed during the waiting period.
Speak with your new insurer about waiving your waiting period based on your continuation of coverage from a previous dental insurance plan. Seek out new dental insurance plans with no waiting periods for basic care or major surgery.
Some dental insurance plans offer a calendar benefit year?meaning that your benefits start on January 1 and end on Dec 31. However, if your benefits are based on a rolling calendar year, then your benefits are in effect for 12 months from the date of each procedure?no matter when that occurs during the year.
Instead, a waiting period gets attached to specific types of coverage as a way for the insurance company to mitigate risk. In other words, higher-risk individuals are more likely to get coverage with an associated waiting period.