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Dental 4 Less – Waiting Periods and Max Limits.

Why do dental insurance plans have waiting periods and dollars max limits?

I am not sure I understand the reasoning behind making me buy a plan but not offering me the coverage I need for a year or sometimes longer. Then if I do put up with that I get maxed out with a yearly limit amount. Seems to me only the insurance company benefits from this and not the person buying the plan. So if any one can explain how buying dental insurance really helps you with your dental costs.

Reply: Generally the types of plans that have waiting periods and maximum limitations are your PPO’s and Indemnity dental insurance plans. These types of plans have waiting periods mostly to keep the cost of their plans more affordable. You can find PPo’s/Indemnity plans without waiting periods but they do tend to be much more costly a month as the plan needs to be able to earn money in order to pay for your larger dental care needs.

It is basically the same reason for a max limitation it helps to control cost we have plans that run from 1000 to 3000 the higher the max limitation the higher the cost of the plan.

If these types of limitations are not want you want I would suggest looking into our HMO dental insurance options. HMO’s plans as they do not have these types of restrictions. However keep in mind under an HMO plan you are having to choose a dentist within the plan network of providers.

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Posted on Tuesday, Aug. 13th 2019 5:27 AM | by Dental | in Dental Insurance | No Comments »

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