Dental PPO Plans and Waiting Periods – Online Dental Insurance
Question: I want to stay with our family dentist, but his office does not accept anything other than PPO insurance plans. I am okay with getting a dental PPO plan and have been reviewing the PPO options. However, what I do not like are the waiting periods. Are waiting periods common in PPO plans? Or is there some way around them?
Answer: Generally, PPO plans will have waiting periods. Typical waiting periods are as follows:
* No waiting periods for preventive dental care
* Six months waiting period for Basic dental care needs (such as fillings)
* One-year waiting period for Major dental care needs (such as crowns)
However, waiting periods will vary depending on the plan. There are some PPO insurance plans that do not have waiting periods. Such as the Madison National with the 1000 maximum limitation. (check if that plan is available in your state on our website.)
A few dental PPO plans will wave their waiting periods, but only if you have a current PPO plan in place for longer than their waiting periods. However, even then, there may be some restrictions.
