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Dental Insurance

Can I Obtain Dental Insurance Despite My Health Or Dental History?

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Whether you are interested in Dental Insurance through an employer, or to purchase it on your own, your health condition is not likely to impact your ability to obtain coverage because there are no questions about your overall health.

Because there is no way to determine the onset of dental problems, there is no attempt to limit coverage for pre-existing dental conditions. This means that if you join a dental plan and need a lot of dental work done, it will usually be covered.

Some plans will impose a one year waiting period on Replacement (Major Services) and Orthodontia procedures. The waiting period is usually waived if you are part of one dental plan and your employer switches to another plan. However, unlike health insurance (see HIPAA), there is no credit for the time you've had the dental coverage against a waiting period from a new employer's coverage. You must go through any new waiting period all over again.

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