Dental Plans - No Waiting Period

You already know the importance of taking care of your teeth, including regular checkups, cleanings and preventive services. But what about the problems that you can’t see? Issues like cavities below the gumline, infections at the root, and impacted teeth. Oral health problems can arise at any time and waiting for treatment may not be an option.

Looking at dental insurance plans? Don’t wait to protect your smile!

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.

Full Coverage Dental Insurance

Dental insurance coverage may vary by plan and between different dental insurance companies. There are a number of factors you will likely want to consider in a dental insurance plan such as coverage for all basic services like cleanings and checkups, as well as coverage for major dental work.

A dental preferred provider organization (PPO) is a network of contracted dentists who have agreed to provide services to our members and accept an agreed fee for those services. Use our Find A Dentist tool to search for a dentist that fits your needs or see if your current dentist is in-network.

  • The Delta Dental Ascent Plan is a Delta Dental PPO plus Premier Plan. A member on this plan can choose to see any dentist but may have higher out of pocket costs when going out of network.

  • The Delta Dental Clear Plan is a Delta Dental PPO plus Premier only plan. In order for services to be a covered benefit under this Plan, the member is required to see a Delta Dental PPO plus Premier Provider.

Focusing your search on dental insurance with no waiting period means you'll have quick access to coverage on major dental care as well as basic dental services.

Our No Waiting Period Plans
  Ascent Plan Clear Plan
Monthly Premium
Individual Starting Rate
Eastern WA / Western WA
$54.45 / $62.50iii
Eastern WA / Western WA
$35.50 / $46.95iii
Starting rate for Individuals ages 26-50
Actual rate may be higher or lower depending on age
Plan Year Maximum
per person
1st Year, 2nd Year, 3rd Year
Shared Maximum Benefit None None
Deductible $50 None
Office Visit Copay None None
Preventive Care
Cleanings, exams, x-rays, and fluoride
100% $65
Fillings 1st Year, 2nd Year, 3rd Year
Crowns 50%i $740i

1 crown per person
Root Canal 50% $535

2 teeth in 12 months after purchase or renewal, once per tooth every two years after
Non-Surgical Extractions 50% $115
Periodontal Maintenance 1st Year, 2nd Year, 3rd Year
Included in Preventive Care Visit
Orthodontics Not Covered Not Covered
Annual Contract Yes Yes
Waiting Periods None None

A predetermination is suggested. Clinical requirements must be met, crowns covered at 50% per tooth every seven years.

ii Frequency and percent coverage limits per service apply as outlined in the Plan Features per benefit year table.

iii These are benefit highlights only. Monthly premiums shown are examples of monthly rates for subscriber-only in Washington, effective January 2023. Actual rates may vary (higher or lower) based on plan choice, your age, your location, number of people insured, their age, and relationship to you. For full details of plan, benefits, and pricing, please visit