Understanding Your New Dental Insurance Policy Can Help You Save Money

If you have recently signed up for dental insurance, you may notice that your plan has a waiting period. Understanding what services are covered right away and what services you must pay for entirely out of pocket can help you make informed decisions about getting necessary work done.

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Waiting Period for Dental Insurance Explained

What Is a Waiting Period?

As its name suggests, a dental insurance waiting period is the amount of time that must pass before your policy pays out for certain services. Depending on your plan, the waiting period may be as short as six months or it may extend to a full year or more.

Why Does Your Dental Policy Have a Waiting Period?

Dental insurance waiting periods are put in place to control costs. By imposing waiting periods, dental insurers can ensure that customers are not signing up for policies only when they need expensive procedures and then dropping their coverage as soon as the work is done. Without waiting periods, your monthly premiums would be significantly higher.

Are Any Dental Services Covered During the Waiting Period?

Because the waiting period is in place primarily to make sure that individuals do not wait until they need expensive services to sign up for dental insurance, some services may be covered right away. Preventative care, including x-rays, exams, cleanings, and fluoride treatments, are typically covered without a waiting period.

If you need certain treatments, such as non-surgical extractions or fillings, you may need to wait between three and six months if you want your policy to cover the service. Major dental work such as dentures, bridges and crowns may not be covered until you have had your policy for a full year. You must look at the policy documentation to determine your waiting periods for each procedure.​

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Networks

Getting an HMO or PPO Dental plan matters. However, it’s always best to make sure your dentist is currently contracted with your dental plan. Do not ask your dentist if they “take the plan”. You may get a yes answer, when in fact, your dentist takes any insurance, but leaves out the fact that they are not contracted, leaving you with a higher dental bill. MUCH higher.

Waiving the Waiting Period

In some cases, you may have the option of waiving your dental plan’s waiting period. If you lose dental insurance that you had through an employer but sign up for a private plan under the same insurance company, the insurer may waive the waiting period. Alternately, if you are switching from one plan to another without a break in coverage, your new insurance company may choose to waive the waiting period. Ask before enrolling.

Finding Dental Coverage with Nevada Insurance Enrollment

As you are researching your dental insurance options, whether you have a waiting period is just one factor to consider. It is also important to consider a plan’s out-of-pocket costs, including the monthly premium, any deductibles, the portion of the cost you pay when you get a service and the annual maximum amount your plan pays out for services.

Finding dental insurance that meets your needs also requires that you understand your plan type and know whether you must receive care from a network provider to have services covered.

Shopping for dental insurance can be confusing. Through Nevada Insurance Enrollment, you can get one-on-one help from experienced health insurance agents who specialize in comparing policies and finding the best policies for clients’ needs and budgets.

HRA vs Employer Sponsored Health Insurance

HRA vs Employer Sponsored Health Insurance

An employer-subsidized plan is a sensible option for employees. Not only does the employer pay at least 50% of the employee’s premium, but the remaining premium is tax-free and taken directly from the employee’s pay.

Saving Money on Health Insurance With Negotiated Pricing

Saving Money on Health Insurance With Negotiated Pricing

The majority of health insurance companies have a contract with a network of hospitals and other providers. In this contract, there are negotiated rates for different services. This negotiated rate is generally lower and sometimes significantly lower than what a provider would charge someone who is paying out of pocket.

 

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#1) Health Insurance Subsidy Chart

#2) Health Insurance

#3) Health Insurance WITH a Subsidy

#4) Insurance Blog

#5) Request a Quote

By page visits (this month)

 

#1) Health Insurance Subsidy Chart

#2) Health Insurance

#3) Health Insurance WITH a Subsidy

#4) Insurance Blog Posts

#5) Request a Quote

Health Insurance with a Preexisting Condition

You may assume that since you have a preexisting condition, you’ll pay a higher premium than someone who is in perfect health. However, an insurer cannot reject you, refuse to pay for health benefits pertaining to your illness or injury, or charge you a higher premium because of your condition.

Is Physical Therapy Covered Under Health Insurance?

Whether you have recently been injured or you are experiencing chronic pain or limited mobility, going to a physical therapist can greatly improve your quality of life. For many people, concerns about how much regular sessions cost is a big roadblock to getting much needed care. Fortunately, if you have an ACA-compliant health insurance plan, rehabilitative services like physical therapy are listed among the essential health benefits.

What Is a Health Insurance Network?

Whether you’ve had the same health insurance company for years or switched to a new health insurance company, the variance in cost is directly related to whether a healthcare provider is within your health insurance company’s network (if you have a PPO), if you have a deductible to satisfy first, or if you have a co-pay.

What is a Special Enrollment Period?

The special enrollment period is always within 60 days of a life event. A “Life Event” is an event such as the birth of a baby, losing group coverage through an employer, losing coverage due to a move to Nevada, marriage, any many other scenarios.