Spirit Dental Insurance Review

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 The initial premium will be withdrawn within 3 business days of the policy’s effective date.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 (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.