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Spirit Dental Insurance Review


ConsumersAdvocate.org Rating: 4.9 / 5 (Excellent)
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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 that help consumers search for low-cost group, individual, and senior dental plans.

What’s Included with Membership

Spirit Choice Plans give 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 varying percentages of the usual and customary expenses while dental service reimbursements depend on the chosen provider. You’ll also save 25-50% with network savings when you visit an in-network dentist.

Up to three dental cleanings and two exams are covered 100% per year. It also includes coverage for major dental services with an annual maximum of up to $5,000.

  • Maximum $5,000 coverage
  • Lifetime $100 deductible
  • Up to three cleanings per year
  • Preventive coverage 100%
  • Implants and major services covered
  • 30-day satisfaction guarantee

How Does It Work?

Spirit Dental Individual Insurance offers every day effective dates so you can start your dental plan as early as the next day. 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 The initial premium will be withdrawn within 3 business days of the policy’s effective date.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 plans 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 Pinnacle Network & Choice 1,200/2,500/5,000 Incentive Plan

 

 

Preventive

Basic

Major

Max Benefit

1st year

100%

50%

25%

$1,200

2nd year

100%

60%

30%

$2,500

3rd year

100%

80%

50%

$5,000

Preventive (Type 1)

  • Three cleanings per year
  • Two exams per year

Basic (Type 2)

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

Major (Type 3)

  • Implants
  • One diagnostic x-ray, full or panoramic in any 3-year period
  • Simple extractions
  • Oral surgery
  • Endodontic treatment
  • Prosthetic services, dentures and bridges
  • Restoration services; inlays, on-lays, and crowns

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 and major services without any waiting periods and have lifetime deductibles. It is an ideal choice for consumers searching for affordable advanced dental care services.

NOTICE: 

This provides a brief description of some of the important features of this insurance policy. This is not a certificate of insurance or guarantee of coverage. Plan designs may not be available in all areas and are subject to individual state regulations. This piece is not for use in New Mexico.

This information is provided by Ameritas Life Insurance Corp. (Ameritas Life). Dental, vision and hearing care products (9000 Rev. 03-16 for Group and 9000 Rev. 02-19 for Individual, dates may vary by state) are issued by Ameritas Life. The Dental and Vision Networks are not available in RI. In Texas, our dental network and plans are referred to as the Ameritas Dental Network.

Ameritas, the bison design and “fulfilling life” are service marks or registered service marks of Ameritas Life, affiliate Ameritas Holding Company or Ameritas Mutual Holding Company. © 2022 Ameritas Mutual Holding Company.

 


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Customer Comments & Reviews

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carolrideordieforap
11/5/2020
This company is not good.When I called to cancel they did not even ask me why.Paying over 40 dollars a month with 100 dollar co payments then being told I had to pay 900 dollars to have 3 teeth removed.Really???Plus I was told by 2 dentists I needed dentures and they felt some teeth could be saved.


S
Sarah F
7/27/2019
I have had a fantastic experiences with Spirit - I got this for my boyfriend first as his main insurance, then I recommended it to my mother for hers, and finally I got it for myself as my secondary dental insurance. They ALWAYS pay as long as you submit the claim form (available online) properly filled out - I have never had a rejection - and to be honest they have even ended up paying more out than we pay in LOL! HIGHLY recommended. Good customer service as well - there's always a real person to talk to pretty quickly during regular business hours.


L
lvtrek
2/23/2019
you pay for everything I have had them for a year and they never covered anything I had to pay for all services and pay them to. Every time something was submitted they rejected it till the dentist told me I need to pay him and submit to them he could not keep sending all the information they wanted on every thing like an x ray why it was needed. They just turned down paying fro an extraction on a broken tooth. Sais they needed proof the tooth was brken.


M
Marilyn M
4/23/2018
I am forever Grateful for this WONDERFUL Insurance I bought from Spirit Dental Insurance Company. This has to be the best investment by far, that I have ever made. This Company has gone above and Beyond to Cover my needs, and with no issues ever since I have owned it. There is no other Company out there to Date, that even comes CLOSE to being as good as Spirit. They have covered me in such great ways as to make it so easy for me to get the work done I needed without Fear of Paying the GIANT Bills. I would Refer this Company to anyone who ever asks me who I think is the Best. Spirit Dental is the Best HANDS DOWN. I can't even say enough to tell you how impressed I am with what they... Read More



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  • No waiting periods on preventive, basic, and major services
  • Guaranteed acceptance
  • PPO plans to choose your own dentist
  • Implants and major services covered
  • A+ BBB accredited
  • 30-day money back guarantee
  • No price increase for age 
  • Lifetime $100 deductible
  • Option to bundle vision