Looking for dental insurance in New Jersey that kicks in immediately? You’re in luck! We’ve taken a close look at insurance plans that provide coverage without making you wait, specifically highlighting plans that cover dental implants.
Dental insurance plans in New Jersey with no waiting period
Primarily there are three types of insurance coverage available in New Jersey, including DPPOs, DHMOs, and discount and referral plans. Some of the best companies to get your insurance from are as follows –
1. Spirit Dental
Spirit Dental provides a comprehensive range of insurance services in New Jersey, including immediate coverage for various dental services.
| Spirit Preventive Plus | Spirit Flex | Spirit Core |
| up to $1,000 | up to $2,000 | $1,200 |
| Annual Max | Annual Max | Annual Max |
| In-network savings of 25-50% | Choice of any dentist | In-network savings of 25-50% |
| 100% preventive coverage | 25% 1st year major coverage | |
| 50% 1st year basic coverage | 50% 1st year basic coverage | Implant coverage |
| 25% 1st year major coverage | 25% 1st year major coverage | Child ortho included |
| No waiting periods | No waiting periods | No waiting periods |
| Monthly Premium | Monthly Premium | Monthly Premium |
| $24.49/mo | $32.43/mo | $40.68/mo |
Pros & Cons
| Pros | Cons |
|---|---|
| Immediate coverage | Higher monthly premiums |
| Orthodontics for children included | |
| Three cleanings per year | |
| $5,000 maximum benefit |
Verdict
In light of its no-waiting period and comprehensive coverage, Spirit Dental is a solid option for residents of New Jersey looking for prompt and extensive dental care services.
2. Delta dental
Delta Dental offers dependable benefits with competitive rates and no waiting period for transferring from another qualifying plan.
- Preventive services covered up to 100%
- Flexible plan options
- Large network of dental providers
- No waiting period for qualifying transfers
Check out there plans here
Pros & Cons
| Pros | Cons |
|---|---|
| Competitive coverage rates | Limited out-of-network coverage under the Clear Plan |
| Automatic monthly payments | Specific exclusions and limitations apply |
| Ranked #1 in customer satisfaction | |
| Covers over 1.6 million people | |
| Options to see any dentist |
Verdict
Delta Dental stands out as a top choice, particularly for those seeking flexibility and reliability from their dental insurance plan, despite certain limitations.
3. Denali Dental
A great smile starts with simple moments. Denali Dental insurance recognizes that the quest for the perfect dental plan should not be complex. With options for individuals, families, and seniors, Denali Dental offers a straightforward path to maintaining dental health, underscored by a no-wait policy.
| Feature | Details |
|---|---|
| Plan Options | Family, Individual, Senior |
| Dentist | Choose Your Own Dentist |
| Orthodontics | Child and Adult Ortho Available |
| Waiting Period | No Waiting Period |
| Major Services | Includes Implants & Other Major Services |
| Cleanings | Up to Four Cleanings Per Year |
| Annual Maximum | $6,000 |
Check out there plans here
Pros & Cons
| Pros | Cons |
|---|---|
| Immediate coverage for various dental services | May be pricier than plans with waiting periods |
| High annual maximum benefit | Limited to certain dentists if not choosing out-of-network options |
| Coverage for orthodontic procedures for children and adults | Orthodontic coverage may have specific limitations |
| Freedom to choose any dentist | Out-of-network choices might lead to higher out-of-pocket costs |
| Benefits for major services, including implants | May not cover all implant-related services |
| Up to four cleanings per year, which is higher than average |
Verdict
Is Denali Dental worth it? If you value immediate access to dental care without the wait, and want coverage for a wide array of services including implants, Denali Dental is a solid option. It is particularly appealing for those who need extensive dental work soon and for those who appreciate a higher cap on annual benefits.
Best Option
Among the dental insurance options in New Jersey, Denali Dental emerges as the best choice for those seeking immediate coverage with an extensive range of dental services, including implants. It offers a high annual maximum of $6,000, coverage for both child and adult orthodontics, and the flexibility of choosing any dentist. Despite the potential for higher costs and certain limitations with out-of-network providers, the plan’s no-waiting period policy and generous number of annual cleanings make it particularly valuable for individuals, families, and seniors needing immediate, comprehensive dental care.
Frequently Asked Questions
1. How do I get around my dental insurance waiting?
Many insurance policies do not have a waiting period, similar to the ones we have mentioned above. However, if you’re dealing with a policy that does include a waiting period, consider doing the following:
- Contact your insurer to discuss the possibility of waiving the waiting period, especially if you’re transitioning from a plan with continuous coverage.
- Look into choosing insurance plans from companies known for not enforcing waiting periods, to avoid the hassle altogether.
2. What is the average cost of dental insurance in New Jersey?
According to healthinsurance.org, monthly premiums for adult dental insurance policies in New Jersey can range from $10 to $85.
3. Can we claim insurance in the waiting period?
Unfortunately, insurance benefits are inaccessible during the waiting period. Claims can only be made once the predetermined waiting duration has been completed.
4. What dental insurance has the best coverage?
While many dental plans in the US offer valuable benefits, Humana stands out in New Jersey due to:
- No waiting periods for most plans.
- Availability of three distinct plan types to suit different needs.
- A vast network of accessible dentists.
Conclusion
For those in New Jersey, the need for dental insurance with no waiting period is clear, and the options are varied. With Spirit Dental, Delta Dental, and Denali Dental offering competitive plans that cater to immediate dental care needs, including implants, residents have strong choices at hand. The selection of the best plan should be based on personal needs, budget, and desired coverage. Considering the overall benefits and limitations, Spirit Dental emerges as a highly attractive option due to its combination of immediate coverage and comprehensive benefits.