You're in the market for dental insurance, and you want to check out the individual dental plans available to you. You browse through a number of plans based on your needs and, of course, which plans provide the most bang for your buck and then--you find it--the plan that was meant for you. Great coverage with a reasonable monthly premium. Attractive to both your brain and your wallet.
You purchase the plan for you and your family and wait with excitement for the next opportunity to visit the dentist. You go to your dentist and, as always, they are happy to see you. You update your insurance information with the lovely receptionist at the front desk, and everything is working perfectly. During your checkup, your dentist informs you the tooth that's been bothering you is a troublemaker and recommends a shiny new crown.
"No worries," you think to yourself, "my loving new insurance plan covers crowns."
But then reality hits like a bulldozer smashing your phone screen. There's a waiting period for crowns. In fact, that waiting period is upwards of a year.
What happened? Your relationship with your new insurance plan started out so perfectly. He said all the right things and promised to be there for you. He even complimented your smile! You feel betrayed and can't understand why your dental insurance would put a waiting period on something you need right now.
Alright, let's snap out of this dream-turned-nightmare scenario for a second.
There are several reasons why waiting period are in place, but we're going to talk about five of the main reasons why dental plans have waiting periods and what you can do if you need work done now.
Now we know the "why," so let's talk about what you can do about waiting periods.
Your situation is unique, and individual dental insurance may be great for you and your family. On the other hand, right now may not be the right time. We wrote an article to help you with decision that answers the question, "Is dental insurance worth it?".
There you have it! Hopefully, this helped clarify why your exchange plan has a waiting period and a few things you can do in the meantime.
Contact EMI Health today if you want to learn more about our Federal Marketplace dental insurance.
As always, EMI Health offers Federal Marketplace dental insurance suited to your needs. These plans are not only affordable, but they also cover the basic but important care. In addition to Federal marketplace plans, we also provide senior dental plans and a wide variety of health plans. Whatever your need may be regarding insurance, we've got you covered. Contact us today by calling 1-800-662-5851 or by visiting www.emihealth.com.