Get the Facts About Spirit Dental and Vision Insurance

Spirit Dental and Vision Insurance offers a range of plans that cater to different needs and budgets.

Their dental plans cover a variety of services, including routine cleanings, fillings, and extractions.

Spirit Dental and Vision Insurance also offers vision plans that cover eye exams, glasses, and contact lenses.

The company has a network of over 100,000 dentists and 90,000 vision providers across the US.

Spirit dental insurance is known for its affordable premiums. The average monthly premium for Spirit's sample plan is $19.21, which is significantly lower than the study average of $37.66.

This low cost is due in part to the fact that the cost of Spirit's dental plan varies depending on your location. For example, in California, the monthly premium is $21.90, while in Texas it's $18.12.

In Florida, you can get Spirit's Preventive Plus PPO Plan for just $16.84 per month. This is one of the lowest rates in the country, and it's a big reason why Spirit is a popular choice for people looking for affordable dental insurance.

Here are the monthly premiums for Spirit's Preventive Plus PPO Plan in the 10 most populated states where the plan is available:

Overall, Spirit dental insurance offers a range of affordable options for people looking for dental coverage.

Spirit Dental and Vision Insurance makes it easy to find a provider who accepts payments. You can choose your own dentist or use Ameritas’ dental network, which includes 132,000 dental providers across the U.S.

Staying within the network offers greater savings.

Spirit Dental and Vision Insurance offers a range of benefits for eye care, including a standard contact lens exam for up to $55, 10% off premium contact lens exams, and a $20 co-pay on eyeglass lenses every 24 months.

Their plans also cover contact lenses with a $20 co-pay every 24 months, and include a $130 retail allowance that can be applied toward the purchase of conventional or disposable contact lenses. In addition, Spirit offers a $0 co-pay on frames every 24 months, with a $130 retail allowance that can be applied toward the purchase of any frame available at the provider location.

Here are some key benefits to consider:

Spirit is a good option for those who want a cheap dental insurance plan, with a sample plan premium of $19.21 in some areas. However, it's worth noting that their plans have some drawbacks, including a $100 deductible before coverage kicks in, and poor customer satisfaction ratings.

Spirit Dental and Vision Insurance offers a range of benefits, but it's essential to understand the limitations and potential drawbacks.

Spirit's dental insurance plans have no waiting periods, which is a significant advantage over many competing PPO plans. This means you can get the care you need right away.

The average premium for Spirit's sample plan is $19.21, making it one of the lowest among top insurers. However, this low premium comes with a $100 lifetime deductible, which can be a challenge for some people.

One of the main benefits of Spirit's plans is the $0 co-pay on frames once every 24 months, with a $130 retail allowance that can be applied toward the purchase of any frame. This can be a significant cost savings for those who need new glasses.

However, Spirit's plans also have some limitations, such as coverage for more expensive procedures like crowns and root canals being only 20%. This can be a concern for those who may need these services in the future.

Here's a summary of the benefits and limitations of Spirit's dental insurance plans:

Overall, Spirit's dental insurance plans may be a good option for those who want a cheap dental insurance plan, but it's essential to carefully review the benefits and limitations before making a decision.

To cancel your Spirit Dental insurance plan, you should contact the company.

You can cancel your plan at any time, but your plan will end on the last day of the month you cancel.

If you cancel within the first 30 days of purchasing the plan, you can get a full refund on premiums paid if you haven't used your benefits.

Keep in mind that you won't be able to get a refund if you've already used your benefits.