Looking for the Perfect Dental Insurance Plan? Discover Spirit Dental
Well, if you are trying to find yourself an insurance plan, it is definitely not easy, is it? You are bombarded with terms and conditions and clauses left and right, which make it difficult to choose a plan that suits your requirements and is affordable at the same time. That is why I would like to take a closer look at Spirit Dental. Recently, I have been coming across this insurance plan a lot, and, honestly speaking, I find their offer rather compelling. Let us see what we can say about it.
What is Spirit Dental?
Basically, Spirit Dental is an insurance provider that offers dental plans for both individuals and families. This insurance company is a member of the AmeriLife Group, which means that Spirit Dental is a rather reputable and credible insurance company. However, what strikes me about them is the fact that they offer dental plans with no waiting periods for most procedures, which can be really helpful for many people.
The Big Advantage: No Waiting Periods
For real, this is likely their biggest advantage, and it's the one that frequently draws people into looking at them to begin with. Let's say you sign up for dental coverage and suddenly, you discover that you require a root canal, or you need a crown. Under most traditional insurance coverage plans, you would be facing either a six-month, nine-month, or even twelve-month waiting period before anything major would be covered. Spirit Dental tends to eliminate any waiting periods for preventative, basic, and major coverage. Think about it for a moment. If you have been putting off having any dental work done because you don't have coverage or you foresee a need for some more extensive procedures in the near future, this aspect of their coverage plan is truly revolutionary.
Variety of Plans to Consider
Not only do they provide a standard solution, which is great in itself, but they also tend to have a wide variety of plans, including the following options: PPO (Preferred Provider Organization) and Indemnity. Here is some more information about how it can influence you:
- PPO Plans: In order to benefit from these plans, you need to use their network of dentists; however, it's still possible to get some coverage if you go out-of-network. It's a great plan to consider if you really like your current dentist but they're not in every network.
- Indemnity Plans: They provide an opportunity to see any licensed dentist and receive a percentage of the costs reimbursed by Spirit Dental. It can be a good plan to use if there's a specific dentist that you would like to keep seeing regardless of anything else.
It's a great opportunity to choose the plan that would be compatible with your preferences regarding your current dentist and willingness to change them.
What Kind of Coverage Can You Expect?
But what kind of coverage is provided by these dental insurance companies? In general, they offer very diverse plans. These cover not only regular check-ups (with 100% coverage) but also such procedures as fillings, extractions, root canals, crowns and much more. And what made me particularly happy when I was choosing an individual plan was the possibility of dental implants and orthodontic coverage. As mentioned earlier, not all plans include all procedures (it depends on the individual needs), but the possibility of having them in a package is something that you do not always get with individual dental insurance.
Access to Their Network of Dental Providers
In addition, you will appreciate the quality of their provider network as they cooperate with reputable dentists and work with such well-known provider networks as Ameritas network. This increases chances that your current dentist already belongs to their network, which of course simplifies everything. Even in case he/she does not belong to it, finding a new one with the help of the search tool is not that difficult. My tip is to use the provider directory before subscribing to any of their dental insurance plans.
Enrollment Ease and Customer Support
Getting enrolled usually poses no problems whatsoever, since this company managed to simplify the enrollment process to make it easier to obtain a quotation and become a client. The customer support of the company is also known to provide great assistance. Although I haven't used it myself yet, from my experience and from what I hear it is rather responsive and supportive, which means you can get some assistance when trying to find out something about your insurance.
What Makes Me Choose Spirit Dental Insurance Plan
And here comes the question: why would I consider getting this insurance plan in case I am interested in dental insurance plans? Well, apart from the amazing no-waiting period clause, the most impressive thing is that it offers an abundance of various insurance options. Indeed, the problem with many insurance plans of this kind is that they limit the amount of benefits offered for major procedures or simply don't cover certain kinds of treatment altogether. Spirit, on the other hand, attempts to fill in that hole. In addition to that, it provides the opportunity to combine dental insurance with vision insurance sometimes.
Spirit Dental, however, stands out for several unique categories of customers. If you happen to be an entrepreneur, do not have dental insurance through employment, or will soon retire and therefore lose your employer-provided health care insurance, Spirit Dental makes a strong candidate. In addition, if you have planned for some serious dental procedure and do not wish to wait for a period usually required by the traditional dental care insurance, you have a plan custom-made for your needs. Another group of people for whom Spirit Dental is well suited are families, who will have their orthodontic treatment covered.
Important Considerations for Spirit Dental
As it often happens with any insurance provider, one has to keep in mind that there are still several factors worth consideration. You should compare deductibles, annual maximums, and coinsurance percentage thoroughly. Some policies have higher premiums due to the absence of waiting periods and that is a choice you should make after a careful comparison. Never forget to compare the amount of premiums paid to the amount of dental procedures covered. Do not forget about the fact that although some big services might be covered under this policy, there could be certain restrictions or coverage percentages different from the regular care procedures. Therefore, it is crucial to dig into the details.
My Takeaway from Spirit Dental
Well, getting the right dental insurance depends on your needs, your dental condition at the moment and how much you can afford to pay. However, taking into account what I learned about Spirit Dental during my research, I must say that they created a quite appealing product for those of us who don't like to wait long before getting their insurance benefits. It seems that Spirit Dental understands the unpredictability of the dental problems and creates its insurance plans according to this need. If I was looking for a new individual dental insurance today, I would definitely give it a serious consideration. In any case, it is all about the cost, coverage and convenience and Spirit Dental seems to cover most of these aspects nicely. However, please don't take my word for it and get a personalized quote and read policy documents for yourself.