No Waiting period for dental insurance in the State of NY
Question: I am trying to find individual dental insurance in NY without any waiting period. Is there such a thing? I have been shopping on line now for a few days and most dental plan I have seen come with a 12 to 18 months waiting period for major dental procedures. Since I am going to need a root canal and a crown major dental work is what I currently need.
Answer: It sounds as if you have been reviewing dental PPO’s and or Indemnity dental insurance plans. It is common for these types of dental insurance plans to have waiting periods as well and maximum limitations and deductibles.
I suggest reviewing our dental HMO insurance plans though Healthplex and Assurant or our dental discount plans offer thought Careington, Dental Save+ and Dental Choice+. All of these plans have no waiting periods so that you can have your root canal and crown work done at the effective date of the plan.