If you have recently had a root canal, you may be wondering whether your insurance company will cover the procedure without a waiting period. There are several options, including a preferred provider organization (PPO) plan. The PPO plan requires a low annual deductible – usually $50 per person or $150 per family – and generally waives the deductible for preventive services. However, you’ll have to wait six months for coverage to start after you’ve reached the annual deductible.
Cigna
If you’re looking for a dental insurance plan that covers root canals, you might want to consider Cigna. Their 1000 Plan includes preventive care, diagnostic services, and restorative procedures. It also includes an annual exam, routine x-rays, and cleanings. It also has no waiting period for root canals.
Some dental insurance plans have a waiting period before you can use your benefits, which can be months or even years long. This can lead you to put off getting a necessary procedure or paying full price out of pocket. With a dental insurance plan that has no waiting period, you’ll get coverage on the day of the appointment. While not every dental plan has this benefit, some have waiting periods for some procedures, including major dental services and preventive care.
Humana
If you need a root canal but don’t want to wait months for coverage, consider a Humana dental insurance with no waiting period. The company is one of the largest health insurers in the United States and offers many different plans. Humana dental insurance is available in all 50 states and some U.S. territories. It is a good option for seniors on a limited budget who need restorative work done. Humana also offers dental insurance plans that cover dentures.
Humana dental insurance plans come with a network of contracted dentists. In-network dentists offer discounts on the cost of dental work. In addition, out-of-network dentists often charge higher fees and have higher deductibles. In addition, if you visit a dentist who is not on the Humana network, you’ll be responsible for paying the higher fees.
Spirit Dental
Spirit Dental offers plans that cover a range of dental treatments, including root canals and orthodontics. They don’t require a waiting period for services and offer flexible provider options. This plan is a great option for families and can help reduce the cost of dental care. However, you should be aware that no dental insurance plan is perfect, and not all plans cover the same services.
Spirit Dental offers benefits and coverage that are hard to find with other insurance companies. For example, it includes a 30-day Customer Satisfaction Guarantee. Additionally, if you do not receive any covered services in a given year, your premiums are fully refundable. It also offers three cleanings per year, which is more than most plans offer.
UnitedHealthcare
If you’re thinking about getting a root canal, then you should know that you’ll need to find a dental insurance with no waiting period. Most plans have no waiting periods for minor dental procedures, but some have waiting periods for more complex procedures. The waiting period for a root canal can be anywhere from a couple of months to a year.
Medicare Advantage plans that cover dental services generally have a green check mark. They also have a tab that details dental benefits, which you can access from the plan’s website.
Humana discount plans
Choosing a discount dental plan can help you get the dental treatment you need without breaking the bank. Humana’s discount dental plans include a variety of benefits, including coverage for routine exams, fillings, and root canals. In addition, they offer one-time deductibles, and no waiting period, co-payments, or a coinsurance requirement. Plus, they allow policyholders to see specialists without preapproval.
There are several dental discount plans from Humana, with prices ranging from around $20 a month to around $300 per year. Humana’s Dental Savings Plus plan offers discounts on general and cosmetic dentistry. The monthly premiums for this plan are reasonable, and you’ll receive a 20% to 40% discount at participating dental care facilities. The plan also offers a 20% discount on orthodontics.
