Definition: The "no waiting period" dental insurance refers to a type of dental insurance policy that allows patients to pay for their dental services up front (known as "deductible") but then have to pay any out-of-pocket expenses associated with the treatment, such as an initial exam or procedures, and potentially deductibles for certain treatments. This means that once you've paid your deductible, the rest of the cost is covered by your insurance policy. For example, if a patient chooses to purchase dental insurance through their employer, they would need to pay out-of-pocket costs before the deductibles kick in (known as "in-network") and then the entire treatment cost would be covered by your plan. On the other hand, if you choose to purchase dental insurance directly from an individual dentist or healthcare provider, you may only have to pay a certain portion of the total treatment costs upfront (known as "out-of-network"), but the rest is covered by your own policy. The term "no waiting period" dental insurance allows patients to balance out the financial burden of dental care with the peace of mind that their treatments will be covered if they choose not to wait for a full deductible.
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