Any dental ins companies that waive waiting periods?

[Kris.R]

Are there any caveats to this? Just want to make the right choice. Also if it helps, I’m in California.

 

[goillini52]

Are there any caveats to this? Just want to make the right choice. Also if it helps, I’m in California.

LifeShield does if you've had your current plan for a year.

NCD does if you had a group plan, but not a stand alone individual plan. If they waive the waiting period...no commission.

 

[Chazm]

UHC DVH doesn’t have waiting periods.

 

[LostDollar]

Are there any caveats to this? Just want to make the right choice. Also if it helps, I’m in California.

Caveat, I am not an agent.

I don't believe there is any "standard" procedure for this. You would be well advised to discuss the concern with the specific company(ies) before buying.

3-4 years ago I was looking at additional dental coverage. Generally speaking, what I found then was companies that did have waiting period waivers for prior coverage required that the previous dental coverage included coverage of Major Dental services.

The required length of prior coverage or the "uncovered time gap" between old and new coverage would vary from one carrier to another.

I don't think I ran into the idea that a carrier would accept old group plan coverage as "acceptable prior coverage" but not accept standalone coverage as "acceptable prior coverage", but I guess that could be a factor too.

In my personal case, BCBSKS Dental and Delta Dental of KS both accepted a stand alone plan, which included Major Services coverage, as valid prior coverage for their purposes.

 

[mudhound]

most all Medicare Adv plans have no wait

 

[ABLE2KnowUser2]

UHC DVH doesn’t have waiting periods.

Do they even have dental and vision policies?

 

[LostDollar]

Do they even have dental and vision policies?

Yes, they do, split into under 65 and T65 and older markets.

I bought my coverage before they made that split, and it had a waiting period.

The network in my area is rather small and their allowed amounts per dental service code are probably less than some other carriers.

I haven't looked carefully at their current policy structure, but if there is no waiting period, they may be doing it with tiered coinsurance liability over a 3 year period. Say for basic services, they might pay something like 20% year one, 40% year two, and 70% year three.

If BCBSKS allows independent agents to sell their policies, and, if I was an insurance agent in KS, I think I would consider UHC and BCBSKS for my dental insurance products--or if I did not want to sell dental insurance, I would just refer people to those two companies.

 

[Chazm]

Yes, they do, split into under 65 and T65 and older markets.

I bought my coverage before they made that split, and it had a waiting period.

The network in my area is rather small and their allowed amounts per dental service code are probably less than some other carriers.

I haven't looked carefully at their current policy structure, but if there is no waiting period, they may be doing it with tiered coinsurance liability over a 3 year period. Say for basic services, they might pay something like 20% year one, 40% year two, and 70% year three.

If BCBSKS allows independent agents to sell their policies, and, if I was an insurance agent in KS, I think I would consider UHC and BCBSKS for my dental insurance products--or if I did not want to sell dental insurance, I would just refer people to those two companies.

The DVH UHC coverage is exactly the same day one as it is year 3.
Preventative 100%. Basic 100%. Major 50%. No deductible.