Have you found yourself with an achy tooth, no Advil, and no dental insurance? Unfortunately, you can't simply buy dental insurance tomorrow and expect them to cover your teeth immediately.

Just about any individual dental insurance plan has a waiting period from 6 to 18 months long, during which time you will be paying but your provider will not cover most procedures. This is a great reason to enroll in a dental insurance plan now, even if you may not need one.

If you need to get work done on your teeth quickly, then you should consider a discount dental club for at least the short term, as protection under those plans is effective immediately upon enrollment.

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