Spirit Dental has provided dental and vision insurance to those in need since 2003. Since then the company has grown to offer dental coverage throughout the entire United States and is one company to offer no waiting period dental insurance coverage. However, in recent years, most people in need of dental insurance have been going with GPM Dental Insurance (#1 Plan for Implants, Crowns, and Root Canals. Spirit Dental helps cover dental procedures including cleanings, x-rays, exams, extractions and fillings as well as major dental work such as bridges, crowns, dentures, implants, root canals and much more. Enrolled members can choose from over 220,000 Maximum Care PPO network locations across the country. Plans include a $100 lifetime deductible, and Yes, major services have NO WAITING PERIOD.
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Learn More About Spirit Dental
Spirit Dental believes in providing the consumer with a several coverage options. Some consumers simply want preventive coverage, while other shoppers want a more robust policy with basic and major coverage as well. Spirit encourages consumers to thoroughly review the policy benefits so they purchase the correct policy. Reading the policy brochure and asking questions will lead to the correct plan selection.
For example, basic dental insurance is a cost effective way to have coverage, until major dental work is needed. Basic coverage with $1,000 dollar maximum per policy year, does not cover nearly enough. Be sure to look at the policy maximum, deductibles and the bylaws of the policy.
Spirit Dental Plan Benefits
Insurance comes in a multitude of stages, however, most plans cover preventive, basic, and major. Preventive care is a yearly checkup, x-rays and cleanings. Basic coverage is for filings and extractions, and major dental coverage includes crowns, root canals, bridgework, and implants.
Enhanced policy maximums are usually optional. For example a $2000 max coverage per a year would cost a bit extra than a standard $1000 policy maximum. Consider using a multi-benefit plan that will cover most major services. With Spirit this level of plan includes major services such as orthodontic coverage and implants.
Spirit Dental uses Careington Networks to provide health benefits. However, this also includes MaxCare, DenteMax and CarePPO. Spirit Dental pays out 90 percent of claims within ten business days.
Currently, Spirit Dental gives their customers two options for insurance: Network PPO or Choice.
Spirit PPO Network
A PPO Network Dentist is contracted with Spirit to accept the insurance. This type of coverage helps lower the rates of certain procedures and services.
For example, if a patient needs a yearly cleaning, the insurance plan will pay 100 percent of the charges as long as the dentist is in the Spirit PPO Network. If the dentist is out of network, the insurance may still pay the claim possibly at a lower percentage. Therefore the consumer may have to pay a small amount for the cleaning.
Spirit Dental Choice
The Choice plan gives the consumer the ability to see any dentist of their choosing. These types of plans do not have discounted services, yet they pay between 65 and 80 percent of the dental bill. This leaves the consumer to pay the rest. The Choice network is best for people whose dentist does not accept Spirit dental.
No Waiting Periods with Spirit Dental
Many dental procedures are covered right away with Spirit Dental. Some of the Key covered services are:
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Spirit Dental Guarantee
Spirit Dental believes in their services, so much, they provide a 30-day money back guarantee. The 30-day customer satisfaction guarantee includes a full return for any reason of dissatisfaction. However, if services have been rendered, there is a possibility that the premium paid, may not be refundable.