FAQs

Is there any age limit?

You must be 18 years of age to be the primary policy holder. Your spouse/domestic partner and unmarried children up to age 26 are also eligible. There is no upper age limit for our policies.

How quickly can I start my coverage?

The Spirit Dental Individual Insurance plans provide four options for effective dates. Choose the one that works best for you and your family. You will receive an email confirmation immediately following your enrollment to verify this information. Your policy will arrive within 10 business days of enrollment. 

IMPORTANT NOTICE: Your enrollment may take 2-3 business days before it becomes accessible in the carrier's system. To verify benefits your dentist can go to Ameritas Verification of Benefits or call Customer Service at 866-619-6095.

When will I get my ID card?

Please allow 10 business days to receive your information in the mail.

How long will the enrollment process take?

Signing up online takes only a few minutes.

When can I start using my plan?

You can start using your plan on your plan on the effective date of your policy.

How much does this dental insurance plan cost per month?

The monthly premium of your dental policy is based on the following factors:

How do I pay for my dental insurance?

You may choose to have your premium deducted from your checking or savings account (ACH) or with credit card. (Visa, MasterCard, or Discover)

Payment Information:
1. Initial premium will be withdrawn within 3 business days of your policies effective date, subsequent premiums are due on the day of the month in which the policy was effective.
2. Plan includes a one-time non-refundable enrollment fee of $25. This charge will be made at the time of purchase and may appear as a separate transaction from your insurance.

How often will my premium change?

Initial rates are guaranteed for 12 months and can change with 30 days notice after that.

What will I receive after enrollment?

An ID card and Policy Certificate of Coverage.

I have more dependents than the form allows me to enter?

Please contact our office by calling 1-800-620-5010

What does no waiting periods mean?

This means you have coverage beginning on first day your policy takes effect. The amount of coverage (usually a percentage) is typically lower in the first year however increases after you’ve had the coverage for a year.

What does calendar year maximum mean?

The annual maximum benefit amount is the total dollar amount the insurance company will pay per calendar year. 

What are the deductible and co-insurance of these plans?

The deductible is shown in the Coverage Schedule. The deductible is the amount you must pay before any benefits will be paid by the insurance company. Co-insurance amounts are also shown on your Coverage Schedule. Co-insurance is the amount that you are responsible for. In some instances, a portion of co-insurance is paid by the insurance company and a portion is paid by you, the customer. 

If I elect to add the Spirit Vision Plan how do I find a participating vision provider?

In most states the EyeMed Access Vision network is used. Click here to find a provider near you. If EyeMed is not available you may choose to enroll in a plan without a provider network. In these instances you may use any eyecare provider. The Spirit dental/vision plan is not available in all states. 

Does my dentist take this plan?

The Spirit plan utilizes the Ameritas Classic network. Find a provider here.

You may also choose a plan that does not include a network. The Spirit Choice plans allow you to visit any dentist and you will be reimbursed according to the policy limits. 

What does Network mean?

PPO means Preferred Provider Organization. It can also be referred to as a Network, a Cost-Savings Plan or a Panel Plan. 
Regardless of what it may be referred to as, a Network plan means that your dentist has elected to participate within the company’s network of dentists.  It also means that he/she has agreed to accept reimbursement per a schedule set by the company as well as provide you with discounts on certain services.

Why would I choose a Network dental plan?

Choosing a network plan and dentist means you will likely have a lower monthly premium to pay as well as save on dental services. 

Click here to view an in depth cost comparison between services rendered at network and not network dentists.

What does choose any dentist mean?

It means that if you select the Spirit choice dental insurance plan you can keep your own dentist or choose a dentist that participates in the network. If you choose a Spirit network dental insurance plan you will be able to choose any dentist that you wish that participates in the network.

What is a Spirit Choice Insurance plan?

A Spirit Choice dental plan gives you the choice to visit any dentist – or choose a dentist who participates in the network with the added advantage of utilizing a cost savings coverage rider (or PPO Dental Network) for additional savings. 

What does reasonable and customary mean?

It means the usual, customary and regular charges for the area where such expenses are incurred.

For Example 90% of Usual and Customary means that 90% of dentists in your area will charge the same or less, only 10% of dentists will charge more

What is the 30-day customer satisfaction guarantee?

All Spirit Individual Dental and Vision plans come with our 30-day Customer Satisfaction Guarantee. You have 30 days after your plan becomes effective to cancel if you are not satisfied for any reason. Any premium paid will be fully refunded provided no covered services have been rendered. If services have been provided, you may still cancel your policy, however the premium refund will be minus any claim dollars paid.

When can I cancel my dental insurance policy? Are there any long term contracts?

You can cancel at any time. Your coverage will terminate on the last day of the month. Please note that if you voluntarily end your insurance, you will not be eligible to re-enroll for a period of 2 years after the date your coverage first ended. 

ALREADY A MEMBER?  For benefit verification, billing claims, new cards, changes etc.

For claim payments and claim questions:

For benefit verification, billing claims, new cards, changes etc.

Ameritas Life Insurance Corp. (Ameritas Life) PO Box 82520, Lincoln, NE 68501-2520

Claims: 877-667-6127

Customer Service (non-claim questions): 866-619-6095

 email: spirit@ameritas.com

 

 

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