Question: I just want to get dental insurance for a short period of time. Just to fix a few dental issues then cancel the plan as I do not want to keep spending money on a plan when I not using it.
Reply: Many dental insurance plans such as PPO’s are not designed for short term. Therefore it would be important that you read the terms and conditions of the plan you are looking at.
Some Dental Insurance plans have long term waiting periods for the dental care services you are wanting to have cover. There by being little to no help to you unless you keep the plan long term until the plan waiting periods are over.
You may want to look into buying a dental discount plan. Though those plans are not insurance plans they typical do not have waiting periods and they help to reduce your dental care cost. however, often times due to their low cost you play to have them for a year.
HMO insurance plans are also good low cost affordable dental insurance option. If they have a monthly rate typically you can cancel the plan but they may have a cancellation charge if you do so before a year end.
In short make sure you read each plan to make sure that the benefits are available for what you need and want are their cancellation requirement