Availability and selection differ by state.īasic care at 50%, 60%, and 70% in years one, two, and three major services at 20%, 30%, and 40%, in years one, two, and three Below is an overview of a few of Spirit's plans. The amount you’ll pay for coverage can vary depending on where you live. In addition to its Network plans, which provide coverage in-network, Spirit offers Choice plans, which allow policyholders to choose any dentist. Spirit offers several dental insurance plans for individuals, featuring preventive coverage, three cleanings per year, orthodontics for kids, and no waiting periods, with up to a $5,000 annual maximum benefit after you’ve been a customer for three years. Currently, you can choose from 111,500 dental providers at 428,000 access points nationwide.Īlong with having no waiting periods, Spirit Dental charges a one-time $100 deductible, compared to the annual deductibles most coverage providers charge. Spirit’s partnership with Ameritas also means this company works with one of the largest networks of dentists worldwide. Spirit Dental is offered through Ameritas Life Insurance Corp., which has an A+ rating from Standard & Poor’s and an A rating from AM Best for financial strength. It guarantees acceptance for everyone, and you even can get coverage for major services and dental implants. Spirit Dental offers dental insurance plans with no waiting periods and annual maximum benefit amounts that increase after you’ve had your plan for a few years.
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