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I did not buy any dental plan before (I should buy it), and do not know much about dental plan/dental knowledge.
Now I am planning to buy Delta Dental plan for 12 months, since I do have toothache recently. My employer provided dental plan is only open during November (effective on January 1, 2023), and I am not able to enroll in employer's provided dental plan right now.
Currently I am thinking to enroll in Veterans Affairs Dental Insurance Program (if applying now, then effective date is May 1, 2022, and I will be locked in this plan for at least 12 months). So after May 1, 2023, I can leave this plan and enroll in employer provided dental plan (Qualifying Life Event: Lose other dental coverage). Or I can wait till November 2023 to enroll in employer provided dental plan, and leave May 2023- December 2023 uncovered.
But employer provided dental plan is not important to me right now, I want to have dental plan from May 1, 2022 to April 30, 2023 under Veterans Affairs Dental Insurance Program. After April 30, 2023, I can enroll in employer provided dental plan.
Attached screenshot: What does additional benefit available after 12 months of enrollment mean? Does it mean I cannot get those service during first 12 months.
I have implant a few years ago (maybe 2015), now it is painful: top portion of mental is exposed outside, maybe gingival recession.
What kind of service do I need, which plan is better? It is just temporary 12 month plan for me (for treating current toothache), after that, I will buy employer provided dental plan. Now I think I will need to have dental plan for rest of my life.
It means exactly what it says: those benefits are available to you after the first twelve months of being a member of Delta.
That is a Delta Dental plan. They want you to become a long-term member, so they offer an incentive for you to do so. During your first 12 months, the services you can get with Delta are limited. They become less limited if you renew for a second year.
$45 is a lot of money for a dental plan, especially if you have to pay it for a year before the services in it are covered.
Compare to the cost of paying out of pocket for the services you need, and you'll know whether it's worth it to you or not.
It means exactly what it says: those benefits are available to you after the first twelve months of being a member of Delta.
That is a Delta Dental plan. They want you to become a long-term member, so they offer an incentive for you to do so. During your first 12 months, the services you can get with Delta are limited. They become less limited if you renew for a second year.
$45 is a lot of money for a dental plan, especially if you have to pay it for a year before the services in it are covered.
Compare to the cost of paying out of pocket for the services you need, and you'll know whether it's worth it to you or not.
$45 is Prime plan, Enhanced Plan only costs $21.5 It covers something, for example, cleaning is covered 100%, filling is covered 50%
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Dental insurers do not want people to sign up, get work done, then cancel. That's why they will almost always limit coverage to cleaning and x-rays for a period of time, usually 6-12 months. That's a long time to go with a toothache.
Dental insurers do not want people to sign up, get work done, then cancel. That's why they will almost always limit coverage to cleaning and x-rays for a period of time, usually 6-12 months. That's a long time to go with a toothache.
I understand that it requires at least 12 months of enrollment, but it is not nice to have very limited service during the first 12 months. Some major work can be limited during first 12 months.
But it seems that metlife does not have waiting period, probably I will buy metlife plan (as above post, Standard Option: $29/month), I just need to buy 12 months coverage now, after that, I will buy dental plan via employer (which is cheaper, but it is only open at the end of each calendar year).
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