No-Waiting Dental Insurance — Why This Page Exists
Presented by Julia Barinova, MBA – Licensed Insurance Consultant & Broker
Greetings! I am Julia - a New York City-based independent insurance adviser and broker, focusing on client's financial protection.
With over 20 years of experience in the financial services industry, I am specializing in lilife insurance, disability coverage, critical and chronic illness protection, and long-term care planning. One additional area of particular interest to me is practical dental insurance solutions—helping people access important dental treatments without any waiting, while saving money. Based on countless interactions with clients, dentists and my personal experience, I clearly see how traditional dental insurance often creates frustration due to waiting periods, exclusions, complex conditions, and reduced coverage percentages at the time care is actually needed. Over the past three years, we have assisted 1,000+ clients in identifying dental insurance options that may support preventive, basic, and major dental services, including complex procedures, depending on plan design and individual eligibility.
We believe dental insurance should work when you need it. Since 2002, we have focused on plans with minimal conditions, little to no waiting periods, and real Day One coverage — from cleanings and fillings to root canals, crowns, and implants. When emergencies happen, coverage should already be in place. Since introducing this product line in 2023, we have proudly served nearly 2,000 clients. Recent changes to our main association-based provider, which limited access to U.S. citizens and Green Card holders only, led us to expand our solutions so we can continue offering strong networks and meaningful coverage to more people. On this page, you will find a carefully curated selection of plans that meet these standards. Some state and immigration limitations still apply — particularly for our flagship Delta Dental PPO 1500 plan — but we hope you will find the right fit. The page is designed for self-service, with clear plan descriptions and direct enrollment links. It is also available in Spanish, Russian, Ukrainian, and Georgian. PLEASE CONFIRM YOUR DENTIST IS IN-NETWORK BEFORE ENROLLING. IF YOU DO NOT HAVE A DENTIST, USE THE PROVIDER DIRECTORY LINK UNDER YOUR SELECTED PLAN. IN-NETWORK CARE MAXIMIZES YOUR SAVINGS.
PLEASE REVIEW YOUR OPTIONS
Your choice of dental solution will depend on immigration status, location and treatment needs. We carefully searched and selected several distinct plans for you which are suited for specific situations. Please review carefully and make an educated choice.
🔍 Options availible on this site
- EWA/Corenroll: for U.S. citizens and permanent residents only; Delta Dental PPO 1500 + MetLife PPO Platinum.
- Morgan White: no U.S. citizenship requirement; Delta Dental PPO no wait plan (covers implants) + Delta Dental immediate coverage PPO plus premier network + Guardian PPO (ages 50+). State restrictions applied - see below.
How These Plans Were Selected
We specialize in choosing plans with no waiting period only. These are the plans that made the most sense for most of our clients and dentists over years of real-world interactions. You are welcome to browse other available plans if they better fit your needs.
ELEVATE WELLNESS ASSOCIATION
(U.S. Citizens & Green Card Holders Only)
Nationwide PPO dental coverage plus access to Vision, Life, Critical Illness, Accident, and supplemental health benefits.
Association membership required: $5 per month.
Delta Dental PPO 1500
$1,500 calendar year maximum. All 50 states. No waiting on major. Implants included. No missing tooth clause.
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- States: all 50 U.S. states
- Plan sponsor: Delta Dental of NJ & CT (nationwide coverage regardless of residence)
- Member portal: DeltaDentalCT.com
- Implants included from day one
- Waiting period: none
- Missing tooth clause: none
- Cost: from about $59/month single to about $161/month family
PDF: Full Plan Description
Best for immediate coverage for virtually all dental needs, including implants. Ideal if your dentist is in-network and the $1,500 annual maximum fits expected treatment needs.
MetLife PPO Platinum
Up to $3,000 calendar year maximum. 12-month waiting period on major. No missing tooth clause.
Not available in: AK, ID, LA, ME, MD, MT, NH, NM, OR, SD, WA.
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- ZIP-based eligibility and pricing
- Member portal: MetLife.com (typically available 7-15 days after effective date)
- Missing tooth clause: none
- Cost: about $96-$133/month
- Low deductible
PDF: Full Plan Description
Best for strong preventive and periodontal coverage from day one and a higher annual maximum for long-term major treatment planning.
📋 After Enrollment — What to Expect (CorEnroll / EWA Plans)
These plans are serviced by Delta Dental of Connecticut and MetLife. Regardless of where you live, the plan sponsor state is Connecticut — this does not affect your coverage or network access nationwide.
- Once enrolled through CorEnroll, you can create your personal account at corenroll.com or in the CorEnroll mobile app to: view plan documents, explore additional benefits, and contact your representative.
- Coverage starts on the 1st of the month (if enrolled by the 20th of the prior month).
- Your information may appear in the carrier system by mid-month — schedule your first visit after that for smooth verification.
To track claims and EOBs, create an account with MetLife (metlife.com) or Delta Dental once your enrollment is active (usually by the 10th–15th of the month).
Important: We are not in a position to discuss your specific benefits with dental providers on your behalf. Below are the carrier contact numbers — they will be able to assist you directly with any coverage or claims questions.
🔹 Delta Dental of Connecticut: 1-800-452-9310
🔹 MetLife Dental: 1-800-275-4638
MORGAN WHITE PLANS
Open to everyone (no citizenship or Green Card requirement). Vision plans available. State eligibility applies.
- ✔ No U.S. citizenship or residency requirement, no SSN number
- 📍 Available States: AL, CA, DC, DE, FL, GA, NV, PA, TX
- ⏱ No waiting periods (coverage starts first day of enrolled month)
Delta Dental PPO No Wait
$2,000 annual maximum. Implants included. No waiting.<br>Available in: AL, CA, DC, DE, FL, GA, NV, PA, TX.
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- Implants: included
- Waiting period: none
- Missing tooth clause: applies (California exempt)
- Cost varies by state
- $100 deductible per year per person
- $35 enrollment fee (non-refundable)
- 30-day cancellation required
PDF: Full Plan Description
Best for immediate implant coverage and comprehensive dental treatment. Review the Missing Tooth Clause if outside California.
No Wait Plan Documents
Delta Dental PPO Plus Premier
$3,000 annual maximum. No waiting on major. No implant coverage.<br>Available in: AL, CA, DC, DE, FL, GA, NV, PA, TX.
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- Implants: not covered
- Waiting period: none
- Missing tooth clause: applies (California exempt)
- Cost: from about $55+/month
- $100 deductible per year per person
- $35 enrollment fee (non-refundable)
- 30-day cancellation required
PDF: Full Plan Description
Best for immediate coverage for major procedures such as root canals, crowns, extractions, and bridges. Does not include implant coverage.
Delta Dental Documents
Guardian Plans (Age 50+)
Available in all states except: AK, MA, MD, NM, NV, NJ, VA, WY.
- Open to clients age 50+
- No U.S. citizenship or Green Card requirement
- No waiting period on major services
- Missing tooth clause applies
- No family plans (individual and couple enrollment only)
Guardian Select Achiever
$1,750 annual maximum. Implants included. No waiting.
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- Implants: included
- $1,250 lifetime implant cap
- Missing tooth clause: applies
- Cost varies by state
- $50 deductible
- $35 enrollment fee (non-refundable)
PDF: Full Plan Description
Best for clients 50+ seeking broad coverage including implants. Strong option as a secondary plan for major procedures.
Guardian Select Complete
$1,250 annual maximum. No waiting. No implant coverage.
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- Implants: not included
- Waiting period: none
- Cost: from about $46/month
- $50 deductible
- $35 enrollment fee (non-refundable)
PDF: Plan PDF
Best for affordable overall coverage for age 50+ with strong preventive and basic benefits, and 40% major coverage. Does not include implant coverage.
Guardian Documents
📋 After Enrollment — What to Expect (Morgan White Plans)
These Delta Dental plans are serviced by Delta Dental of Georgia. Guardian plans are serviced by Guardian. Regardless of where you live, the plan sponsor state is Georgia — this does not affect your coverage or network access in your state.
- You will receive your enrollment package upon completion of enrollment and payment of applicable premiums/enrollment fees, or a few days prior to the selected effective date.
- The enrollment package will include your Certificate of Coverage and I.D. cards, sent via email from noreply@morganwhite.com.
- The one-time non-refundable enrollment fee, plus your first month's premium, is due at time of enrollment. Bank/Savings account — please allow up to 3 business days to process. Credit/Debit Card — will be taken immediately.
- On your bank/credit card statement, the charge will appear as: Insurance 8888593795.
Key Contacts:
🔹 Billing questions & plan changes: Call Morgan White Group at 1-877-759-5726, or log into the Client Portal at my.mwadmin.com. You may also email individualchanges@morganwhite.com.
🔹 Eligibility & benefits: Contact Delta Dental at 1-877-759-5726.
Important: We are not in a position to discuss your specific benefits with dental providers on your behalf. Please use the contact numbers above — the carrier and administrator will assist you directly with coverage, claims, and any plan changes.
📞 SUPPORT, ADMINISTRATION, AND SELF-SERVICE
- EWA/Corenroll: enrollment, plan administration, and account questions go through the EWA/Corenroll platform.
- Morgan White: billing and eligibility updates go through Morgan White; claims and benefits processing go through the carrier.
- NCD: plan administration and support go through NCD and the plan portal.
This page is structured for self-service. Please enroll through the matching source link and contact the same entity directly for administrative questions.
💙 Final Note
We selected these plans because they consistently made the most sense for the majority of our clients and dentists over many years. You are always welcome to browse additional plan options if another fit serves you better.
👉 Please review carefully, use the source-specific enrollment links, and choose the option that best matches your needs.
— Julia Barinova
📇 Connect with Julia Barinova, MBA
📢 I invite you to connect with me and schedule a complimentary consultation to discuss your insurance planning - including protecting yourself and loved ones with Life insurance with Living Benefits, Disability coverage, Long Term Care, and any other questions you may have. Having lived and worked in the U.S. for almost 30 years, I am happy to support new immigrants with valuable information and resources to help them build a better life.
Thank you for your interest and business.
Julia Barinova, MBA
Licensed Insurance Broker
NYS Insurance License LA-937924
📞 Phone:
347-922-8037
🌐 Website:
www.juliabarinova.com
📧 Email:
julia@juliabarinova.com
📅 Book a Call:
calendly.com/jbarinova
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Reviews from Grateful Clients
Alla Shtilvasser
I am a manager of a General Dental office in San Francisco, CA. Julia and I discussed her offering of individual dental plans, MetLife Dental PPO and Delta Dental PPO for our patients and we decided to suggest purchasing such insurance to them to reduce their cost of treatments. We have good experience with both companies so far collecting payments, and patients are obviously happy to save money. It is very convenient for us and the client that there is no waiting period for crowns and implants. Julia treats people very well, explains everything in detail regarding coverages, suggest the right one for each patient. She is easy to work with. I highly recommend her as a broker for dental insurance.
David T.
I met Julia through my Dentist. She assisted me with getting dental insurance which had no waiting period. It covered everything I needed to get done. She's excellent in what she does. I am extremely happy with her service. She is very knowledgeable, professional and gets the job done. I recommend her very highly.
Thomas Vizirov
I was recommended by my dentist to Julia Barinova to help me with dental insurance for 4 implants. She helped me save so much on them by explaining and providing the correct insurance plan that would help save money. I saved over $3000 with her help. And the best thing of all, there was no waiting period and the insurance always paid out. I 100% recommend her to anyone I know who needs this kind of help. Thank you so much Julia.
chessrookie77
Julia took my case personally and very professionally, and helped me with a good insurance plan that covered about 50-60% payments over three years with 2 teeth implantations (extraction and crown included), 2 root channel teeth (including crowns). Highly recommended!
Kate
Yulia helped me choose dental insurance, which turned out to be very beneficial for me. She explained everything in detail and how the insurance would work. And that's exactly how it turned out. I'm satisfied with the insurance.
Viktoria Dubinevych
Julia provided an exceptional experience from start to finish with Insurance for implants. She was professional, knowledgeable, and truly attentive to my needs. They took the time to explain my options clearly, ensuring I understood the coverage I was getting. Their recommendations were tailored and cost-effective, saving me both time and money. Communication was seamless, and they were always available to answer questions. I highly recommend her
Olga Olga
ЗДРАВСТВУЙТЕ! ХОЧУ ВАМ ПОРЕКОМЕНДОВАТЬ Прекраснейшего брокера по стоматологическому страхованию Мед.Лайф- Джулию Баринову. Она достойна лучших похвал, как профессионал своего дела, высококвалифици рованный специалист в этой области. ОНА ОФОРМИЛА МНЕ ГОД НАЗАД ЭТУ СТРАХОВКУ И Я ОЧЕНЬ ДОВОЛЬНАЯ ЕЕ РАБОТОЙ. ОНА СПОКОЙНАЯ, ТЕРПЕЛИ ВАЯ, ОТВЕТИЛА НА ВСЕ МОИ ВОПРОСЫ..И Я ХОЧУ С НЕЙ ПРОДОЛЖИТЬ СОТРУДНИЧЕСТВО В СЛЕДУЮЩЕМ ГОДУ. ТАК КАК ЭТА ФАНТАСТИ ЧЕСКАЯ ЖЕНЩИНА ОТКРЫЛА МНЕ ВОЗМОЖНОСТИ ДЛЯ ЛЕЧЕНИЯ МОИХ ЗУБОВ..Я БЕЗУМНО СЧАСТЛИ ВА..ВЕДЬ ЗДОРОВЬЕ ЗУБОВ И ЛУЧЕЗАРНАЯ УЛЫБКА- ЗАЛОГ ЗДОРОВЬЯ ВСЕГО ОРГАНИЗМА. БЛАГОДАРЮ Вас!
Andrei Herasimovich
I had to do two implants and Julia helped me to buy the right dental insurance which saved me ton of money. Julia is very helpful and knowledgeable. I highly recommend her.
Marina Peseleva
Thanks Julia, she helped me to buy this insurance and I was able to treat my gums. It was expensive treat $3000 for 3 teeth and I can't afford to pay from pocket. I save my teeth. Very happy 😊. Recommend Julia to everyone.
Анна Фомина
Best broker! Julia helped us to find life insurance and dental insurance, she has deep knowledge in insurance sphere!!!
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