CONSULATE
Consulate Dental Plans – PPO Dental Insurance Waiting Periods
Question: I know PPO plans have waiting periods, but I need to fully understand what waiting are for and why they have them.
Answer: Many PPO plans will have waiting periods for both basic and major dental care services waiting periods. What benefits you receive at the start of the plan is preventive dental care such as office visits, X-rays, and Cleanings. You may have to wait six months until you have a filling covered under the plan and twelve months for a crown to be covered. Course waiting periods will vary depending on the plan terms and conditions.
PPO dental plans often have waiting periods to prevent people from signing up for coverage only when they need expensive dental work. The waiting period assures insurance companies that people won’t sign up for coverage and then immediately file a claim for an expensive dental procedure. This helps to keep the overall cost of dental insurance down for everyone enrolled in the plan.
However, it is essential to note that not all PPO plans have waiting periods. Some PPO plans will offer no waiting periods but lower benefits within the first year. So make sure you read each plan’s coverages and terms and conditions to know what the plan offers