Ensuring your child is covered by a good dental insurance plan is important if you don’t want to spend hundreds or thousands of dollars out of pocket. When enrolling, you might assume that you can begin to use the available benefits right away; however, what if you learn that there is a waiting period? Why is this necessary for some companies, and what should you do if you discover your plan has one?
What is a Waiting Period?
A waiting period is a designated timeframe that you must adhere to before you can begin to use your dental benefits. Each insurance company establishes its own length of time, which can range from 30 days to one year.
While in this timeframe, your insurance company will unlikely pay for various dental procedures.
Why Are Waiting Periods Necessary?
Before assuming dental insurance is not worth the investment, it’s important to remember that not all companies have waiting periods. Those that do often only apply to certain services.
The reason some companies add them is to prevent patients from purchasing a plan only to drop it immediately following a complex or costly procedure. This also keeps insurance costs lower in the long run.
While many people assume this kind of insurance is only necessary when pain or problems occur, the reality is that most companies build their plans to reward patients who pursue preventive care. By keeping your plan year after year, your insurance costs will remain affordable.
What If My Child Needs to Visit the Dentist?
You can bring your child in to see their pediatric dentist during a waiting period. Most preventive services are likely to be covered; however, if your child needs more extensive care, they may be required to wait. This can be difficult, especially if they are in pain.
This is why it’s best to do your research on various plans before deciding which one you and your child will use.
Whether your dental insurance plan has a waiting period or not, do not wait to bring your child in for regular oral healthcare. This will ensure their smile stays on track so that they don’t require more expensive treatment down the road.
About the Author
Dr. Nisha Mehta is a board-certified pediatric dentist who is also a mother and understands the importance of finding a trustworthy professional who provides affordable care. Treating children of all ages, she and her team at Wellspring Pediatric Dentistry encourage patients to use their dental insurance benefits to reduce out-of-pocket costs. Accepting most PPO plans, we will handle the stressful paperwork and claims filing process to create a more streamlined and efficient visit. If you need to use your plan for your child’s treatment but discover there is a waiting period, contact us at (281) 849-3003 to talk to a member of our team.