Is Spirit Dental Insurance a Good Choice?

Spirit Dental Insurance offers a range of plans to suit different needs and budgets, including individual and family plans, as well as plans for seniors.

Their individual plans cover a wide range of services, including routine cleanings, fillings, and crowns, with coverage starting at just $19.95 per month.

One of the standout features of Spirit Dental Insurance is their affordable prices, with many plans available for under $50 per month.

Their plans also offer flexible payment options, including the ability to pay monthly or annually.

Spirit Dental plans offer lower coverage levels during the first year, but these levels increase each year through the third consecutive year you have the plan.

Some plans offer annual maximum benefits that also increase through the third year you keep the plan, which can be a significant advantage for those who need ongoing dental care.

Spirit Dental has a 30-day money-back guarantee, so if you're not satisfied with the plan, you can cancel it within the first month.

Spirit Dental is a great provider to choose if you're interested in a fee-for-service or network-only dental plan, as it has no waiting periods and offers coverage for three annual cleanings.

Child orthodontics, implants, and other major services are also covered, which is a big plus for families and individuals with complex dental needs.

Spirit Dental's plans are designed to be flexible and accommodating, with benefits that increase over time to meet your evolving dental needs.

Spirit Dental insurance plans are designed to cater to a variety of needs while focusing on comprehensive coverage for major dental services. They have a robust range of services, ensuring you have access to quality dental care when you need it.

The plans are available in 49 states and Washington D.C., with the only exception being Washington state. However, you may not find all plans available in all states.

There are several plans to choose from, each with its own unique benefits. Here are some of the key details:

Spirit dental insurance plans also have some great benefits, including no waiting periods for any level of care, low premiums, and a large network of dentists and specialists. They also cover 100% of preventive care services such as exams, cleanings, x-rays, and fluoride treatments.

Spirit Dental insurance plans can start from around $19.21 per month, which is relatively affordable compared to other providers.

The cost of Spirit's dental plans varies depending on your location, with the 10 most populated states having different monthly premiums. For example, in California, the monthly premium for the Preventive Plus PPO Plan is $21.90, while in Texas, it's $18.12.

Here's a breakdown of the monthly premiums for some sample plans in Florida:

Pricing for dental insurance plans can vary significantly depending on the provider and the specific plan you choose. Spirit Dental & Vision Insurance offers some of the most affordable dental insurance premiums, with an average sample plan premium of $19.21 per month.

The cost of Spirit's Preventive Plus PPO Plan in Texas is $18.12 per month, making it a great option for those on a budget. You can check the cost of Spirit's plans in your area by entering your ZIP code on their website.

Some comprehensive dental insurance plans in Texas offer annual maximums ranging from $1,000 to $3,000, but Spirit Dental offers a $5,000 annual max in year three. This is a great option for those who need more extensive dental coverage.

Here's a breakdown of the monthly premiums for some sample plans in Florida:

Vision insurance packages are also available as an add-on for $7 per month for individuals.

If you're considering Spirit dental insurance, one thing to consider is the cost. Spirit Preventive Plus PPO plan pays 100% for preventive care, which means you won't have to pay a dime out of pocket for regular check-ups and cleanings.

The Spirit Core PPO plan offers a higher annual max benefit of $1,200 in the first year, which could be beneficial if you need more extensive dental work.

The Spirit Senior Preferred PPO plan has a higher annual max benefit of $1,500, making it a good option for seniors who need more coverage.

Here's a comparison of the annual max benefits for each plan:

If you're looking for flexible and affordable options, Spirit dental insurance may be worth considering.

Spirit Dental offers four PPO plans that include coverage for basic or major dental care without a waiting period.

These plans also offer coverage for preventive, basic, and major dental services as soon as you meet your deductible, which is a one-time $100 fee.

You can see any dentist with a PPO plan, in or out of network, and if you choose a provider from the Ameritas Dental Network, you'll be charged 25% to 50% less than their regular rates.

Spirit's Flex PPO-style plans reimburse out-of-network providers at a higher rate, making them a good option for those who want more flexibility in their dental care.

All Spirit Dental plans feature an annual maximum coverage, with the highest being up to $5,000 in the third year.

Some plans, like the Spirit Core PPO, cover major care up to 50% and have an annual maximum of up to $2,000, while others, like the Spirit Pinnacle PPO, also cover child orthodontia.

The Spirit Core PPO and Spirit Pinnacle PPO both have a $1,200 lifetime maximum, with the most coverage in year three at 50%.

This means that with the right plan, you can get the dental care you need without breaking the bank.

Shopping for dental insurance can be overwhelming, but Spirit Dental & Vision makes it easy. Their website allows you to begin comparing policy options with just two clicks, including entering your ZIP code and choosing who you're shopping for.

The enrollment process is fast and straightforward, with no waiting periods and plenty of covered services. This means you can get insurance and start seeking dental healthcare quickly.

Spirit offers a plan comparison tool that makes it easier to see the differences between each option. By selecting plans you're interested in and clicking "compare", you can explore your options with less hassle.

All Spirit plans are PPO dental plans, offering both in-network discounts and coverage for out-of-network dentists. This gives you the flexibility to see whichever dentist you prefer.

Here are the main features of Spirit's plans:

Spirit Dental offers family-focused plans that provide comprehensive coverage for each family member's dental needs. Their plans are tailored to provide peace of mind and optimal dental health for your loved ones.

Spirit's plans cover preventive, basic, and major services, including specialized children's orthodontics. They also offer flexible plan options to accommodate changing family needs.

Spirit's plans have a one-time, $100 deductible and coverage for preventive, basic, and major dental services that's available as soon as you meet your deductible. They also offer limited coverage in the first year, with higher coverage limits in years two and three.

Here are the key coverage details of Spirit's plans:

Spirit's plans also offer higher annual maximum coverage, up to $5,000 in the third year, and more robust coverage for major dental services, including crowns, implants, and dentures.

Spirit dental insurance plans have some drawbacks to consider. Customer satisfaction issues are a concern, as Ameritas, the company that underwrites Spirit's dental plans, is rated below average for overall customer satisfaction in J.D. Power's 2023 U.S. Dental Plan Satisfaction Study.

Some coverage challenges exist, particularly with more expensive procedures. For example, crowns and root canals are only covered at 20% in the sample plan we reviewed, which is lower than most top-rated companies.

The annual maximum benefit in the first year is also a drawback. Spirit's sample plan has an annual maximum benefit of $750, which is lower than many of its competitors.

Here are some specific examples of coverage challenges:

It's essential to review the plan's details and ask questions to ensure you understand the coverage and any potential limitations.

Spirit Dental offers a range of coverage options to suit different needs and budgets. Their dental insurance plans are available in 49 states and Washington D.C., with no waiting periods for preventive, basic, or major care.

The company offers four PPO plans, two "Flex" PPO-style plans, and a range of coverage levels for preventive, basic, and major services. With a PPO, you can see any dentist, in or out of network, and receive discounted rates for choosing providers from the Ameritas Dental Network.

Spirit Dental plans feature a one-time, $100 lifetime deductible, and coverage for routine dental care for all ages. Their sample dental plan provides the least amount of coverage but charges the lowest premium.

Here's a breakdown of the coverage levels for Spirit Dental's PPO plans:

Spirit Dental also offers specialized coverage for children's orthodontics, implants, and dentures. Their plans are designed to be both affordable and robust in their coverage, making high-quality dental care accessible to everyone.

Ameritas owns Spirit Dental insurance, which is a dental product offered and underwritten by Ameritas. This means that Spirit Dental customers get access to Ameritas’ dental network.

Ameritas handles all Spirit Dental claims, providing a seamless experience for customers.

Enrolling in Spirit dental insurance is a straightforward process that can be completed by exploring their website or giving them a call.

You'll need to provide some basic personal details and select a payment method that suits you. Once you're enrolled, you'll receive a confirmation email complete with your member ID card and other vital information.

To reach Spirit's customer service, you can call (844) 833-8440, send a letter to 7900 International Dr. #1040, Bloomington, MN 55425, or email [email protected].

Spirit's premiums are significantly lower than other popular dental insurance companies, with an average premium of $19.21 for their lowest-priced PPO plan. In contrast, Delta Dental's average premium is $53.58 and Physicians Mutual's is $30.50.

Here's a comparison of Spirit's plan with Delta Dental and Physicians Mutual:

If you're considering Spirit Dental & Vision for your vision insurance needs, you might want to keep looking. Spirit Dental & Vision doesn't offer policies in Washington, and it's not the best choice if you're only looking for vision insurance.

DentalInsurance.com is a good alternative to consider for fast dental coverage. You can get started with DentalInsurance.com by visiting their website securely.

Ameritas Dental Insurance is another option to consider, especially if you're looking for adult and child orthodontia benefits. Their policies can be found on their website, securely.

If you're looking for dental coverage for your whole family, Blue Cross Blue Shield might be the way to go. You can get started with them by visiting their website.

Careington Dental is also worth considering, especially if you want no annual maximums on your policy. You can get started with Careington Dental by visiting their website securely.

Enrolling in Spirit dental insurance is a relatively simple process that can be done online or over the phone. You can start by visiting their website or giving them a call at (844) 833-8440.

To enroll, you'll need to provide some basic personal details and select a payment method that suits you. This information will be used to create your member ID card and other vital documents.

Once you're enrolled, you'll receive a confirmation email with your member ID card and other essential details. This email is a crucial step in the process, so be sure to keep an eye out for it.

If you have any questions or concerns about Spirit dental insurance plans or services, you can reach out to them in a few ways. Their customer service team is available to help via phone, email, or mail.

Here are the contact details you can use to get in touch with Spirit dental insurance:

Remember, any applicable copays or coinsurance are due at the time of service, so be sure to have this information handy when you visit the dentist.

In terms of cost, Spirit is a clear winner. Its average premium of $19.21 is significantly lower than Delta Dental's $53.58 and Physicians Mutual's $30.50.

The deductible is another area where Spirit stands out. With a deductible of $100, you only have to pay this once for the duration of your plan, whereas most other companies have a deductible of $50 that you must pay every year.

However, Spirit's annual maximum coverage limit is relatively low at $750. This means that if your dental expenses exceed $750 in a year, you'll be responsible for paying the remaining costs out of pocket.

Let's take a look at how Spirit compares to other popular dental insurance companies in a table:

As you can see, Spirit's lower premiums and one-time deductible make it a more affordable option for those on a budget.