Usually insurance companies / employers allow for additions to plan outside of the annual enrollment for 3 reasons; marriage, birth of child and adoption.
Other then that changes can only b made during the open annual enrollment.
Most dental, vision insurance has waiting periods(6 ,12 & 24 months) for specific procedures; crowns, implants, fillings , cataract correction etc. but simple teeth cleaning / annual exam or eye exam / prescription lens should have no waiting periods.
I'm on blue cross and this is how my plan operates
W did U call ur company or BCBS??
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