Question by beautemortelie: How long after I get dental insurance can I get at tooth pulled and be covered?
I don’t have insurance now.
If I get dental insurance … how long after that can I go in and get my wisdom tooth pulled?
Can I do it immediately or do I have to wait?
Best answer:
Answer by meow
I’m assuming that as soon as you are covered you should be able to go in.
What do you think? Answer below!
As soon as you have a confirmation from your insurence that you are covered, you will be covered. I would say 0 second after confirmation.
It depends on which insurance company you are using. Some might not cover pre-existing conditions (assuming you’re asking because of a problem with your wisdom tooth).
If you are shopping around for different plans, read the materials carefully to find out. You can also call and ask. Make sure you write down the name of who you spoke to, the date and what they said, in case there is a problem later.
each plan is different, some plans have a 6 month or 12 month waiting period for anything more than preventative procedures (cleanings, exams, xrays…).
there are a few plans that provide immediate benefits. one for example is the Delta Dental HMO. you have to pay the entire year up front (total is about $ 101). then you will be covered immediately without having to wait. that plan is called the CAA54. in CAA54 you can view the details and prices for all services. i recommend you download the plan and look up wisdom teeth or teeth pulling. it will tell you exactly how much that service will cost. without insurance it might cost $ 2000. with CAA54 it might cost $ 800-1200. you are basically getting the plan so you can get the discounted price on your procedure.
why do other plans have waiting periods? to prevent adverse selection. they don’t want you to sign up for $ 20/mn, wait 2 weeks and go have $ 2000 of work done, then 2 weeks later cancel your $ 20/mn plan. they have it figured it out and realize that people try to do that. if they allowed it, they would be out of business in no time at all.
download details of CAA54 by Delta Dental at
http://usdirecthealthinsurance.com/apps/CAA54.pdf
application for CAA54 can be found at
http://usdirecthealthinsurance.com/apps/CAA54.pdf
btw: CAA54 is a California only plan.
pick your local dentist from this link (CA only), copy the whole link and paste into your browser. you need the dentist office ID number to put on the application above.
