FINDING THE BEST DENTAL INSURANCE
Best Dental Insurance in Wisconsin with No Waiting Period
Discover the best dental insurance plans in Wisconsin with no waiting period so you’re able to get the more affordable and quality dental care.
Top 3 Dental Insurance Plans
Discover the top 3 dental insurance plans in Wisconsin with no waiting period and why they made our list.
Reason for Being Chosen:
None of the Ameritas plans have waiting periods, allowing members to receive coverage for expensive dental procedures such as crowns, root canals, and implants from the start.
Reason for Being Chosen:
Mutual of Omaha doesn’t have a waiting period for most dental procedures. However, crowns, bridges, root canals, and other major procedures are covered at only 20% during the first year of enrollment.
Reason for Being Chosen:
The Premier Plus Plan has no waiting period. However, crowns, root canals, and other major procedures are covered at 10% immediately, 40% after the first year, and 50% after the second year.
Other Dental Insurance Plans
While these plans didn’t make our Top 3, they still have minimal waiting periods and may be worth considering.
Reason for Being Chosen:
The Cigna Dental Vision Hearing 3500 Plan has no waiting period for basic procedures, a six-month waiting period for most major procedures, and a twelve-month waiting period specifically for implants.
Reason for Being Chosen:
Physicians Mutual doesn’t have a waiting period for basic procedures, but a twelve-month waiting period applies to crowns, root canals, implants, and other major procedures.
Frequently Asked Questions
Choosing the right dental insurance can be tricky, especially when considering the dental plan’s cost, covered procedures, waiting periods, rules/restrictions and more. DenScore has analyzed every dental insurance plan in each state and ranked the top plans so you can choose the best one for your specific needs. For more information, please refer to our Terms of Service.
Many dental insurance plans, including PPOs, impose waiting periods before coverage begins for certain services. Preventive care such as exams, cleanings, and X-rays often have no waiting period, allowing patients to use these benefits immediately. Minor procedures, like fillings or simple extractions, may have a short waiting period of 3 to 6 months. Major procedures, including crowns, root canals, dentures, or other extensive dental work, often require longer waiting periods of 6 to 12 months. During any waiting period, patients are responsible for the full cost of treatment. After the waiting period ends, most plans cover 50 to 80 percent of minor and major procedures once the deductible has been met.
It depends. Some dental insurance companies and Medicare Advantage plans use misleading language and “bait and switch” tactics in order to sell more policies. If you mistakenly choose one of these plans, you probably won’t save much money on dental care and you may actually lose money if you’re paying high monthly premiums. The easiest way to save money with dental insurance is by choosing an in-network dentist when you need dental work. For more tips on how to save money when using dental insurance, check out DenScore’s FREE online dental tool, which is available 24/7!
To save the most on dental care, look for a plan with a high annual maximum of $2,000 or more and low coinsurance for costly procedures to minimize out-of-pocket expenses. For treatments like crowns, root canals and dentures, aim for a plan that covers at least 50 percent of the costs. Some plans may also cover part of cosmetic procedures, including teeth straightening, whitening, and porcelain veneers.
Preferred provider organization (PPO) plans are often a better choice than health maintenance organization (HMO) plans. While HMO dental insurance usually comes with lower monthly premiums, you’ll face higher copays for most treatments, and fewer dentists participate in HMOs, making it harder to find a high-quality provider. For employers looking to move beyond traditional dental insurance, companies like DntlDirect offer alternative dental benefits that lower costs while giving employees access to better care.
With a PPO dental plan that includes orthodontic coverage, patients usually pay $3,000 to $5,000 out of pocket for braces or clear aligners. Most plans cover 50% of orthodontic treatment costs but place a lifetime maximum on orthodontic benefits, often between $1,000 and $2,000 per person. Without insurance, the total cost of braces or clear aligners typically ranges from $4,500 to $7,500, depending on the complexity of treatment and the location of the orthodontic practice.
