Can Someone Buy Dental Insurance Without A Waiting Period?

Shawn Plummer

CEO, The Annuity Expert

Can someone buy dental insurance without a waiting period?

Yes, it is possible to buy dental insurance without a waiting period for basic coverage like exams and cleanings. However, for major dental services such as crowns, bridges, and root canals, most dental insurance plans do include a waiting period. This waiting period varies depending on the insurance provider and the specific plan. It’s designed to prevent individuals from signing up for insurance only when they need expensive treatment. Some plans may offer immediate coverage for these services at a higher premium. It’s important to carefully review the terms of any dental insurance plan before purchasing to understand the coverage details and any waiting periods that apply.

Comparison Of Dental Insurance Features With And Without Waiting Periods

FeatureWith Waiting PeriodWithout Waiting Period
Coverage for Basic Services (e.g., exams, cleanings)Usually includedCommonly included
Coverage for Major Services (e.g., crowns, root canals)Usually subject to waiting periodsLimited availability, often at higher premiums
Premium CostGenerally standardMay be higher for no waiting period plans
AvailabilityWidely availableLess common, selective providers


When choosing dental insurance, it’s crucial to consider the waiting periods for major services. While basic coverage like exams and cleanings often has no waiting period, more significant procedures typically do. Reviewing and comparing different plans can help in finding one that best fits your needs. Remember that plans without waiting periods for major services might come at a higher cost. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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