The 7 Best Dental Insurance Plans with No Waiting Period of 2022


final verdict

There are many options when it comes to dental insurance plans with no waiting period. Whether you need emergency dental insurance on short notice or just want to be able to take advantage of your insurance coverage right away, these plans all make it easy to access benefits from the moment you sign up. Humana is our top choice for a dental plan with no waiting period.

Humana has a large network, low monthly premiums, and a variety of plan options to choose from. Additionally, Humana is available to patients in 48 states. Humana is a great option for major dental procedures and routine preventative care.

Compare the best dental insurance plans with no waiting period

Company Cover limit Networked Suppliers Policy Types Deductible Available states

Best overall
$1,000 to $1,500 270,000 3 $50 to $150 for life 48
Denali Dental

Better preventive care
$750 to $6,000 300,000 1 $100 to $200 for life 34

Better base coverage
$1,000 to $3,000 Unknown 1 $50 annual 47
Dental Spirit

Best Major Cover
$750 to $5,000 111,500 2 $100 lifetime 50

Ideal for orthodontics
$1,000 to $2,000 111,500 2 $50 annual 50

Ideal for veterans
$1,000 to $3,500 490,000 5 $0 to $50 50
Delta Dental

Ideal for affordable coverage
None for the HMO plan 152,000 4 None for the HMO plan 50

What is dental insurance without a waiting period?

Many dental insurance policies impose a waiting period of months or even years before certain services are covered, meaning you may have to choose between postponing essential procedures or paying the full cost of your pocket. Dental insurance with no waiting period starts being covered on day one so you don’t have to wait.

Do all dental insurance plans have a waiting period?

Not all dental insurance plans have a waiting period, and many have waiting periods for some types of procedures but not others. For example, it is much more common to see a waiting period for major services than for preventive care.

Why do dental plans have waiting periods?

Waiting periods on dental plans are designed to prevent people from putting off paying for coverage until they have a costly problem that needs to be fixed. This helps dental insurance companies stay profitable by collecting premiums before they have to pay for expensive procedures.

What are the expected costs of dental insurance with no waiting period?

The quotes we received for dental insurance plans with no waiting period ranged from $7 to about $100 per month depending on coverage, limits and deductibles. If you choose a plan with no deductible, keep in mind that you may have to pay higher monthly premiums or have to pay more coinsurance for the first year or two.


To choose the best dental insurance plans with no waiting period, we mainly looked at several cost-related factors, such as monthly premiums, copays or coinsurance rates, annual limits, and deductibles. We also assessed what types of services were covered by each policy and whether limits were placed on certain procedures, such as annual cleanings. Finally, we looked at the size of the insurance network to see how many dentists to choose from with each provider.


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