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Looking for individual dental insurance in NY without a 12-month waiting period - is there such a thing?

I'm shopping around for dental insurance and most plans I see have a 12 month waiting period for major procedures - and I'm going to need to get my wisdom teeth out soon. Can anybody recommend me a plan? Thanks!

Public Comments

1. You are not going to find a plan that is going to cover major dental work without a waiting period. In addition there is often a clause that excludes preexisting conditions. You should have coverage in place before you have a medical need. That is how insurance is designed to work. You pay a small amount over a long period of time so that if a large expense occurs you will be able to handle it. Sorry I could not be of more help.
2. No. I've never seen a private dental policy that pays out more than it takes in. Those wait periods, are for everyone else - just like you - who only wants to pay for insurance in the month that they want to have all the dental work done. Insurance companies can't pay out $1000 and take in $30 and stay in business. That's why there are wait periods.
3. All individual dental insurance will have waiting periods of 12 to 36 months before you get the full benefits for major proceedures. Many people find that dental schools are a good option if you cannot wait for the insurance to kick in. Here is a listing of dental schools: http://www.yourhealthplanadvisor.com/Dentalschools.html