Spirit Dental Insurance Review

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Spirit Dental & Vision is underwritten and carried by Ameritas Life Insurance Corporation, rated A by AM Best for financial strength and A+ by Standard & Poor’s. Spirit Dental & Vision serves as a free online resource for dental insurance quotes. The company also offers tools which help consumers search for low-cost group, individual, and senior dental plans.

What’s Included with Membership

Spirit Choice Plan gives clients the option to visit any dentist of their own choice. It is known as a fee-for-service plan where policyholders are not limited to a pre-approved network of dentists. The insurance policy typically covers 50% to 100% of the usual and customary expenses while dental service reimbursements depend on the chosen provider.

Three dental cleanings and two exams are allowed per year. It also includes coverage for major dental services with an annual maximum of up to $5,000.

  • Orthodontic coverage for kids
  • Maximum $5,000 coverage
  • One-time $100 deductible
  • Three cleanings per year
  • Preventive coverage
  • Implants and major services covered
  • 30-day satisfaction guarantee

How Does It Work?

Spirit Dental Individual Insurance provides four options when selecting effective dates. Clients will receive an email confirmation following their enrollment to verify the information submitted. Enrollment may take 2 to 3 business days. And the policy usually arrives within 10 business days after the enrollment date.

Monthly premiums are based on several factors including coverage type, state of residency, elect vision, and whether the customer chooses a Network or Choice plan. Premiums can be deducted from the client’s savings account, checking account, or with any accepted credit card. The initial premium will be withdrawn within 3 business days of the policy’s effective date. Spirit dental plan also include a one-time non-refundable enrollment fee of $25 which is charged at the time of purchase.

Spirit Individual Dental plans are backed with a 30-day customer satisfaction guarantee. Clients can cancel their plan in case they are not satisfied regardless of the reason. Premiums paid will be fully refunded provided there are no covered services rendered.

Spirit Dental Plans

Spirit Choice and Network 2000

 

Preventive

Basic

Major

Ortho

Max Benefit

1st year

100%

50%

50%

0%

$2,000

2nd year

100%

65%

50%

0%

$2,000

3rd year

100%

80%

50%

50%

$2,000

Preventive (Type 1)

  • Three cleanings per year
  • Two exams per year

Basic (Type 2)

  • One series of bitewing x-rays per year
  • Space maintainers
  • One topical fluoride per year under 16
  • Sealants under age 16

Orthodontia

  • Coverage begins in 3rd year at 50% with $1,200 lifetime maximum per child
  • Orthodontic care for proper alignment of teeth is provided only to dependent children under 19 when treatment is received

Major (Type 3)

  • Implants
  • One diagnostic x-ray, full or panoramic in any 3-year period
  • Basic fillings
  • Coverage for major services on an annual basis should not exceed 50% of the total calendar year maximum
  • Simple extractions
  • Oral surgery
  • Endodontic treatment
  • Prosthetic services, dentures and bridges
  • Restoration services; inlays, on-lays, and crowns

Spirit Choice and Network 1200

 

Preventive

Basic

Major

Ortho

Max Benefit

1st Year

100%

50%

50%

0%

$1,200

2nd Year

100%

65%

50%

0%

$1,200

3rd Year

100%

80%

50%

50%

$1,200

Preventive (Type 1)

  • Two exams per year
  • Three cleanings per year

Major (Type 3)

  • One diagnostic x0ray, full or panoramic in any 3-year period
  • Oral surgery
  • Simple extractions
  • Implants
  • Endodontic treatment
  • Periodontic services
  • Basic fillings
  • Prosthetic services; bridges and dentures
  • Restoration services; on-lays, inlays, and crowns
  • Coverage for major services on an annual basis should not exceed 50% of the total calendar year maximum

Basic (Type 2)

  • Space maintainers
  • Sealants under age 16
  • One topical fluoride per year under age 16
  • One series of bitewing x-rays per year

Orthodontia

  • Coverage begins 50% in 3rd year at 50% with a $1,200 lifetime maximum per child
  • Orthodontic care for the proper alignment of teeth is provided only to dependent children who are under 19 when treatment is received.

*Information stated above is based from Spirit Individual Dental in Connecticut and Illinois

Additional Benefits:

  • PetRX
  • Wellness Card

Spirit Dental Summary

Spirit Dental offers multiple plan options and a list of benefits with up to $5,000 in coverage per year. They cover implants partially without any waiting period especially on major services. It is an ideal choice for consumers search for affordable advanced dental care services.


Our Partner
  • No waiting periods on preventive, basic, and major services
  • Guaranteed acceptance
  • Three cleanings per year
  • Choose your own dentist
  • Implants and major services covered
  • $5000 annual maximum
  • A+ BBB accredited
  • 30-day money back guarantee