Saturday, November 14, 2009

Does anyone know if this right about elimination periods with dental insurance plans?

because I thought an elimination period was when you could get dental work done before the elimination period was over and they would cover the procedure you had done once you elapsed the elimination period even though the procedure was done before the elimination period expired... as long as you maintained the same insurance

Does anyone know if this right about elimination periods with dental insurance plans?
Did you get the plan from work? Well then ask this your HR manager. If you are buying on your own, I'd rather suggest


a plan with no elimination or waiting periods, like eHealthPlus.
Reply:I hesitate to offer any answer for this because there are so many exceptions, clauses, and quirks with insurance coverage.





I'm used to the term "waiting period" for dental insurance. This usually means the period between when you are hired at a new job and when the insurance becomes effective. Some plan have waiting periods only for some procedures (crowns) and not for others (cleanings).





Most likely, whatever you have done during a "waiting period" will not be covered retroactively.





I don't hear the term "elimination period" very often, so it would be good to check with your HR department, insurance broker, or someone who has been in the plan for a few years. The answers you get here probably won't be very accurate.


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