Looking at dental insurance plans? Don’t wait to protect your smile! Learn about more through the following options.
Get dental care as soon as the first day of next month with our budget-friendly, "no-wait plans". We offer two no-wait dental plans to choose from – Delta Dental - Clear Plan and our brand-new Delta Dental - Ascent Plan. Both plans are structured differently. In this article, we'll cover some of the differences between our Delta Dental - Ascent Plan and Delta Dental - Clear Plan, as well as the coverage capabilities they offer in the short term for a new member, for basic and major services.
What is a dental insurance waiting period?
A waiting period is the time before all of your dental benefits are payable by Delta Dental of Washington. Some dental procedures are covered under your plan, but only payable for treatment you receive after the waiting period has elapsed. Many dental insurance plans have a waiting period ranging from a month to a full year. With the Delta Dental - Ascent Plan and Delta Dental - Clear Plan there are no waiting periods for any covered procedures. Keep in mind that our plans waive waiting periods if you can show you did not have a lapse in coverage - such as coming off employer provided dental insurance (or other prior coverage) and purchasing an Individual & Family Plan.
Delta Dental - Ascent Plan
Great for individuals looking for a more well-rounded dental plan. 100% coverage on most preventive care and cost-sharing on major procedures up to the annual maximum of $1,000 in the first year. Your annual maximum increases for the first two years that you renew, lowering your out-of-pocket costs and offering a more holistic option to protect your smile for years to come. Monthly premiums are priced by location. See our "View All Plans" page for up to date pricing.
Delta Dental - Clear Plan
Great for individuals who want basic dental coverage. Fixed out-of-pocket costs for all covered procedures. This plan is priced by age and location. See our "View All Plans" page for up to date pricing.
No waiting period for preventive care
Both our Delta Dental - Ascent Plan and Delta Dental - Clear Plan offer coverage right away with no waiting period. Delta Dental - Ascent covers 100% of most preventive care while the Delta Dental - Clear Plan requires a copay for a basic dental cleaning, exam, fluoride and bitewing x-rays.
No waiting period for major dental procedures
Delta Dental – Ascent Plan 50% coverage on crowns root canals, non-surgical extractions, and implants. Ascending benefits for Fillings and Basic Periodontal cleanings the first two renewals:
Year 1: 50%
Year 2: 60%
Year 3+: 70%
And the annual maximum increases, too:
Year 1: $1,000
Year 2: $1,250
Year 3+: $1,500
Delta Dental – Clear Plan Delta Dental - Clear Plan fixed costs are displayed in the member's contract and in their online account. Many people like the Delta Dental - Clear Plan because they know the exact cost before they have the procedure.
