Dental Health Articles

Taking care of your teeth and eyes isn’t just about looking sharp; it’s a vital part of staying healthy. But without dental and vision insurance, even routine checkups can come with a hefty price tag. The good news? Affordable coverage is out there, and it can help you catch issues early, avoid costly emergencies and support your overall well-being. We’ll walk you through why dental and vision coverage matters, what makes a plan affordable and how to find the right fit for your needs.Why dental and vision coverage matterYour teeth and eyes do more than help you chew and see — they offer a window into your overall health. That’s why dental and vision insurance is so important, even though they’re not often included in standard health plans.Routine dental and eye exams don’t just keep your smile bright and your vision clear — they can also catch early signs of serious health issues like diabetes, high blood pressure and even certain cancers. In fact, you may see your dentist more often than your primary care doctor, making those regular checkups a crucial opportunity to monitor your health. With consistent care, you’re more likely to catch issues early and avoid painful, expensive emergencies down the line. And by supporting your oral and visual health, you're also giving your overall well-being a boost.What makes dental and vision insurance affordable?Affordable dental and vision insurance is more than just low monthly premiums; it’s about getting real value from your plan. One of the best ways to save is by choosing a plan with a strong PPO (Preferred Provider Organizations) network. These policies give you access to a wide range of trusted dentists, optometrists and specialists who have agreed to provide services at reduced rates. That means lower out-of-pocket costs for every visit.Another key to affordability? Coverage that emphasizes preventive care. Many dental and vision plans include routine checkups, cleanings and eye exams at little to no cost. Plus, these regular visits help catch issues early — before they become bigger, more expensive problems. Think of it as an investment: By staying on top of preventive care, you can avoid emergency treatments and long-term health complications, saving you money over time. How to get affordable dental and vision coverageLooking for coverage that fits your needs and budget? Follow these simple steps to find affordable dental and vision insurance:1. Assess your needsStart by thinking about how often you go to the dentist or eye doctor, any ongoing dental or vision concerns and whether you need coverage just for yourself or your whole family. If you wear glasses, need orthodontic work or have a history of dental or vision issues, those are all important factors to consider.2. Compare plan typesDental and vision plans can vary widely. PPOs usually offer more flexibility and access to a wider network of trusted providers — often at lower negotiated rates. Some plans focus on preventive care, while others offer more comprehensive coverage for things like major dental work or specialty lenses. Make sure to check what’s included.3. Look for preventive coverageChoose plans that cover preventive care (cleanings, exams, eye tests) at little or no cost. While seemingly basic, preventive care helps catch and address issues early, saving you money and preventing more costly (and potentially painful) emergencies later on.4. Check provider networksMake sure your preferred dentist and/or eye doctor is in-network, or that the plan offers access to providers in your area. A strong network not only saves you money, it also gives you peace of mind that you’re seeing trusted professionals.5. Compare costsDon’t just look at plans’ monthly premiums. Consider deductibles, copays, coverage limits and out-of-pocket maximums. Sometimes a slightly higher premium means significantly lower costs when you actually use the coverage. 6. Explore your optionsCheck with your employer, professional associations or membership organizations — many offer group dental and vision plans at reduced rates. You can also shop the individual insurance market for plans tailored to your budget and needs.7. Enroll and schedule a checkupOnce you’ve chosen a plan, get enrolled and take advantage of your benefits. Scheduling that first exam or cleaning is a smart step toward better health — and long-term savings.How Spirit Dental and Vision plans help you saveWith Spirit Dental and Vision, getting the care you need — and keeping it affordable — is simple. By bundling dental and vision coverage into one convenient plan, you can streamline your benefits and save money while covering two essential parts of your health.These plans are designed to work hand-in-hand: While regular dental visits help protect your mouth and catch signs of broader health issues, routine vision exams can detect eye problems early and even uncover other conditions like high blood pressure or diabetes. Together, they offer more complete care — and better long-term health outcomes.Spirit’s vision plans offer access to the EyeMed network, one of the largest and most trusted in the country, giving you big savings on eye exams, glasses, contacts and more. And Spirit Dental plans include features that set them apart:No waiting periods: Coverage kicks in right away, even for major services.High annual maximums: Get more covered each year as your needs grow.Nationwide provider network: Find trusted care near you, wherever you are.Easy online quotes and enrollment: Compare plans and sign up in minutes.Take care of your smile and sight for lessWhether you’re an individual, part of a family, or self-employed, Spirit makes it easy to get comprehensive, affordable coverage that supports your whole health — starting with your smile and your sight.Request a quote today.

A Health Savings Account (HSA) can be a valuable tool for managing dental expenses while maximizing tax savings. Whether you need routine preventive care or a major dental procedure, understanding how to use your HSA effectively can help you reduce out-of-pocket costs. Below we’ll cover everything you need to know about using your HSA for dental care — including what’s covered, how it compares to an FSA and strategies to get the most out of your savings. What is an HSA?A Health Savings Account is a tax-advantaged savings account designed to help individuals with high-deductible health plans (HDHPs) pay for qualified medical expenses. Funds in an HSA can be used for a variety of healthcare costs, including dental treatments, vision care and prescriptions. Unlike Flexible Spending Accounts (FSAs), HSA funds roll over from year to year, making them a valuable long-term savings tool for healthcare expenses.Benefits of an HSATax advantages: Contributions to an HSA are tax-deductible, and any interest or investment growth is tax-free. Withdrawals for qualified medical expenses are also tax-free.Rollover & flexibility: Unlike FSAs, HSA funds do not expire at the end of the year. This allows account holders to save and invest for future healthcare expenses.Ownership & portability: An HSA belongs to the individual, not the employer, meaning you keep the account even if you change jobs or dental plans.Diverse use cases: Funds can be used for a wide range of medical expenses, including dental procedures like cleanings, fillings, crowns and even orthodontics.Retirement savings boost: After age 65, HSA funds can be withdrawn for any purpose without penalty, though non-medical withdrawals will be subject to regular income tax.This combination of benefits makes HSAs an excellent tool for managing healthcare expenses while maximizing tax savings.What dental care is and isn’t covered with an HSAAn HSA offers a great way to save on out-of-pocket dental expenses, but not all treatments qualify. Understanding what’s covered — and what isn’t — can help you make the most of your HSA funds while avoiding unexpected costs.HSA-eligible dental expensesThe IRS allows HSA funds to be used for qualified medical expenses, which include many essential and preventive dental services, such as:Routine cleanings and exams: Preventive care like checkups, fluoride treatments and x-rays.Fillings and extractions: Necessary restorative procedures to treat cavities or remove damaged teeth.Crowns, bridges and dentures: Restorations that help preserve oral function.Root canals: Treatment for infected or damaged teeth.Periodontal treatments: Gum disease treatments, including scaling and root planing.Orthodontics (in some cases): Braces or aligners may be eligible if deemed medically necessary.Non-eligible dental expensesWhile HSAs cover many essential treatments, certain expenses are not considered medically necessary and therefore aren’t eligible, including:Cosmetic procedures: Teeth whitening, veneers and bonding purely for aesthetics reasons.Elective orthodontics: Braces or aligners for cosmetic improvement without medical necessity.Non-prescription dental products: Over-the-counter toothpaste, mouthwash and whitening strips.If you’re unsure whether a procedure qualifies, check with your HSA provider or consult IRS guidelines to ensure your expense is covered.HSA vs. FSA for dental expensesBoth HSAs and FSAs help cover out-of-pocket dental costs using pre-tax dollars. However, there are key differences between the two that can impact how and when you use your funds.  Feature HSA FSA Eligibility Must be enrolled in a high-deductible health plan (HDHP) Offered by employers, no HDHP required Ownership Belongs to the individual and stays with you even if you change jobs Tied to employer; funds may be lost if you leave your job Rollover Funds roll over year to year “Use it or lose it” policy, with limited carryover options Contribution Limits (2024) $4,150 (individual)$8,300 (family) $3,200 per year (set by IRS) Withdrawal Rules Can withdraw funds anytime for qualified expenses Must use within the plan year (some plans offer grace period or limited rollover) Investment Potential Can invest unused funds for long-term growth No investment options available If you have access to both an HSA and an FSA, you may be able to use them strategically — like using your FSA for immediate dental needs and saving HSA funds for future expenses.How to maximize your HSA for dental careYour HSA is more than just a way to cover medical costs — it’s a powerful financial tool that can help you save money on dental care while planning for future expenses. Here’s how to make the most of your HSA for dental treatments.1. Plan ahead for major proceduresIf you anticipate needing costly dental work like crowns, implants or orthodontics, start contributing regularly to your HSA. Since funds roll over each year, you can build up savings over time to cover expensive treatments without financial strain.2. Use your HSA for preventive careRoutine cleanings, exams and early treatment of dental issues can prevent more expensive problems down the road. Since preventive services are HSA-eligible, use your funds to stay on top of checkups and avoid costly procedures later.3. Take advantage of tax-free growthHSA funds can be invested, allowing your savings to grow tax-free over time. If you don’t need immediate dental care, consider letting your balance grow so you’ll have more funds available for future dental or medical expenses.4. Keep records of your expensesWhile you don’t need to submit receipts to your HSA provider, keeping records of your dental expenses is essential in case of an IRS audit. Store invoices and receipts for all HSA-eligible treatments.5. Combine your HSA with dental insuranceHSAs work well alongside dental insurance by covering out-of-pocket costs like copays, deductibles and non-covered treatments. Review your policy to see where your HSA can help fill coverage gaps.Is it a good idea to buy a second dental plan?If your current dental insurance doesn’t fully cover your needs, you might wonder if purchasing a second plan is a smart move. While it can provide additional coverage, it’s important to weigh the benefits and potential drawbacks before making a decision.Pros of a second dental planIncreased coverage: A second plan may help cover costs that your primary plan doesn’t, reducing your out-of-pocket expenses.Lower out-of-pocket costs: If both plans coordinate benefits effectively, you might owe less for major procedures.More provider options: Having two plans may give you access to a wider network of dentists.Cons of a second dental planCoordination of benefits can be complex: Insurance companies have specific rules about which plan pays first, and some expenses may not be fully covered.Additional premium costs: Paying for two plans could outweigh the savings if the extra coverage isn’t substantial.Limitations and exclusions: Many plans have waiting periods, annual maximums or restrictions that could reduce the financial benefit of having dual coverage.Before buying a second plan, review your current benefits, estimate your expected dental costs and explore alternative savings strategies to determine if it’s the right financial choice.How else can I save on dental expenses?Even with dental insurance and an HSA, out-of-pocket costs can add up. Fortunately, there are several ways to reduce your expenses while still getting the care you need.Take advantage of preventive care: Regular cleanings and exams help catch issues early and prevent costly treatments. Compare prices and negotiate costs: Get quotes from multiple dentists, especially for major procedures, and don’t hesitate to ask about discounts.Use a dental discount plan: Dental discount plans provide reduced rates on services for a membership fee.Look for in-house membership plans: Many dental offices offer their own savings plans on preventive care and other treatments for uninsured patients.Use your HSA wisely: Maximize your HSA contributions and plan ahead for any major procedures to help cover out-of-pocket costs.Saving on dental care doesn’t have to mean skipping treatment. By using your HSA strategically, exploring alternative savings options and taking advantage of preventive care, you can keep your dental costs manageable while maintaining a healthy smile.

When it comes to your oral health, choosing the right dentist is just as important as maintaining a good dental hygiene routine. Different types of dental professionals specialize in various aspects of dental care, from routine cleanings and cavity fillings to orthodontics, oral surgery and cosmetic procedures. Knowing which type to visit means getting the most effective treatment for your needs.Why is it important to see the right dentist?While a general dentist can handle routine checkups, cleanings and basic procedures, specialized dentists are trained to diagnose and treat more complex conditions. For example, if you need braces, an orthodontist is the best choice, while a periodontist specializes in gum disease treatment.Seeing the right dentist not only improves treatment outcomes but also helps prevent potential complications. A specialist has the advanced knowledge and tools to address issues efficiently, reducing the risk of misdiagnosis or unnecessary procedures. Additionally, specialised care can lead to faster recovery times and long-term oral health benefits. Types of dentistsThere are several types of dental professionals, each specializing in different aspects of oral health. Understanding their roles can help you choose the right provider for your specific needs.General dentistsA general dentist is your primary dental care provider. They focus on preventive care, routine checkups, cleanings, fillings and basic restorative procedures. They also diagnose oral health issues and refer patients to specialists when necessary.OrthodontistsOrthodontists specialize in correcting misaligned teeth and jaws. They use braces, clear aligners like Invisalign and other orthodontic appliances to improve bite function and aesthetics. Orthodontic treatment is common among children, teens and adults.PeriodontistsA periodontist focuses on the health of your gums and supporting structures of the teeth. They diagnose and treat gum disease (gingivitis and periodontitis), perform deep cleanings and offer treatments like gum grafts and dental implants.EndodontistsEndodontists specialize in treating the inner structures of the tooth, particularly the pulp and nerves. They perform root canals to save infected or damaged teeth, relieving pain and preventing extractions.Pediatric dentistsPediatric dentists provide specialized dental care for infants, children and teens. They are trained to handle the unique oral health needs of young patients, including preventive treatments, cavity fillings and early orthodontic evaluations.Oral and maxillofacial surgeonsThese dental specialists perform complex surgical procedures involving the mouth, jaw and face. They handle wisdom tooth extractions, dental implants, jaw realignment surgery and treatment for facial trauma or oral cancer.Cosmetic dentistsCosmetic dentists focus on improving the appearance of your teeth and smile. They offer treatments such as teeth whitening, veneers, bonding and smile makeovers to enhance aesthetics while maintaining oral health. How to choose the right dentistFinding the right dentist is essential for receiving the best care. Here are some key factors to consider:1. Identify your needsStart by determining what type of dental care you require. If you’re looking for routine cleanings and checkups, a general dentist is a great option. However, if you need braces, a root canal or gum disease treatment, you may need to see a specialist. 2. Check credentials and experienceEnsure the dentist is licensed and has the necessary training for the services they offer. If you’re considering a specialist, look for additional certifications or memberships in professional organizations related to their expertise.3. Read reviews and get recommendationsOnline reviews and patient testimonials can provide insight into a dentist’s quality of care, professionalism and patient experience. You can also ask friends, family or your general dentist for recommendations.4. Consider location and office hoursChoose a dentist with a convenient location and office hours that fit your schedule. This is especially important for busy professionals, families or those needing frequent visits for treatments like orthodontics.5. Evaluate the office environmentA clean, modern and welcoming dental office can make a big difference in your experience. Look for a practice with up-to-date technology, friendly staff and a comfortable atmosphere.6. Ask about insurance and payment optionsCheck whether the dentist accepts your dental insurance and offers flexible payment plans if needed. If you’re paying out-of-pocket, compare pricing for different services to ensure affordability.7. Schedule a consultationIf you’re uncertain about a dentist, consider booking a consultation. This gives you an opportunity to ask questions, discuss treatment options and see if you feel comfortable with the dentist and their approach to care.How does insurance work with different dentists?Dental insurance can help reduce the cost of care, but coverage varies depending on your plan and the type of dentist you visit. Understanding how insurance works can help you maximize benefits and avoid unexpected expenses.Coverage for general vs. specialized careMost dental insurance plans cover preventive services, such as cleanings, exams and x-rays, at little to no cost when you visit an in-network general dentist. However, coverage for specialized care — such as orthodontics, periodontics or oral surgery — often comes with higher copays, deductibles or limited benefits. Some treatments, like cosmetic procedures (teeth whitening, veneers) are usually not covered.In-network vs. out-of-network coverageInsurance providers negotiate rates with certain dentists, who are considered in-network. Visiting an in-network dentist typically results in lower out-of-pocket costs since the insurance company covers a larger portion of the bill. If you choose an out-of-network dentist, you may still receive some coverage, but the costs are usually higher. You might have to pay upfront and submit a claim for reimbursement. Some specialized dentists, like cosmetic dentists, often operate outside of insurance networks, meaning you’ll need to cover the full cost.Checking your coverageBefore scheduling an appointment, check your insurance provider’s website or call their customer service to confirm:Whether the dentist is in-networkWhat portion of the treatment is coveredIf referrals or pre-approvals are required for specialized careAny copays, deductibles or annual maximums that may applyUnderstanding how your insurance works can help you make informed decisions while keeping costs manageable.Finding the right dentist for your oral healthChoosing the right dentist is essential for maintaining a healthy smile and receiving the best possible care. Whether you’re visiting a general dentist for routine checkups or a specialist for advanced treatment, understanding your options ensures you get the care you deserve.Need help finding the right dental professional? We can help through our network:[Find a dentist]

Cavities are one of the most common dental issues, affecting people of all ages. While they may start as small areas of decay, untreated cavities can lead to pain, infection, and even tooth loss. The good news? Cavities are largely preventable with the right habits and dental care.Whether you’re looking for ways to protect your own smile or safeguard your child’s oral health, this guide will help you take the right steps toward prevention and long-term dental wellness.What are cavities?Cavities, also called dental caries or tooth decay, are permanently damaged areas in the hard surface of teeth that develop into tiny holes or openings. They form when plaque accumulates on the teeth and produces acids that erode enamel. Over time, the breakdown weakens the tooth, leading to decay and potentially more serious dental issues.Cavities can develop on any part of a tooth, including the chewing surfaces, between the teeth and even along the gumline.Symptoms of cavitiesCavities don’t always cause noticeable symptoms in their early stages. As decay progresses, you may notice the following:Tooth sensitivityToothache or painVisible holes or pitsStaining on the tooth surfaceBad breath or unpleasant tasteSwelling or gum irritationRisk factors for cavitiesSeveral behaviors and conditions increase the risk of cavities, including:Frequent sugar and carb consumption: Foods and drinks high in sugar or refined carbohydrates fuel bacteria and acid production.Poor oral hygiene: Infrequent or improper brushing and flossing allow plaque to build up and attack enamel.Dry mouth: Saliva helps wash away food particles and neutralize acids. A lack of saliva, often caused by medications or health conditions, increases cavity risk.Consuming acidic food and drinks: Citrus fruits, soda and acidic beverages weaken enamel, making it more vulnerable to decay.Receding gums: Gum recession exposes the roots of teeth, making them more susceptible to cavities.How are cavities diagnosed and treated?Early detection is key to preventing cavities from worsening and requiring more invasive treatments. At your routine checkup, your dentist will use a combination of visual examination and diagnostic tools to detect cavities. First, they’ll look for visible signs of decay, such as discoloration, holes or surface irregularities. A dental probe helps the dentist check for soft or weakened areas in the enamel, and x-rays may be taken to reveal cavities that aren’t visible to the naked eye, especially those between teeth or beneath existing fillings.Treatment for cavities depends on their size, location and severity. Common treatments include:Fluoride: If a cavity is caught in its very early stages, fluoride treatments (such as gels, varnishes or prescription toothpaste) can help remineralize enamel and stop decay.Dental fillings: For moderate cavities, the decayed portion of the tooth is removed, and the area is filled with materials like composite resin, amalgam or porcelain to restore strength and function.Dental crowns: If a cavity is large and compromises a significant portion of the tooth, your dentist may place a crown—a custom-made cap that protects and reinforces the tooth.Root canal therapy: When decay reaches the tooth’s inner pulp (where nerves and blood vessels are located), a root canal is needed to remove the infected tissue, clean the area and seal the tooth to prevent further damage.Tooth extraction: In severe cases where a tooth is extensively damaged and cannot be saved, extraction may be the only option. A replacement via bridge or dental implant may be recommended to restore function and appearance.How to prevent cavitiesPreventing cavities starts while maintaining good oral hygiene and making smart lifestyle choices. By following these simple steps, you can protect your teeth from decay and keep your smile healthy:Brush and floss twice a dayUse mouthwash to strengthen enamelLimit sugary and starchy foods to reduce bacteriaDrink more water to rinse away food particles and neutralize acidsEat foods rich in calcium, fiber, and phosphorous to support strong teethVisit the dentist regularly to catch early signs of decayCavity prevention for kidsChildren are especially prone to cavities due to their developing oral hygiene habits and love for sugary snacks. Help protect their teeth by:Starting brushing earlyEncouraging healthy eatingTeaching good oral hygieneAvoiding prolonged bottle feedingAsking about fluoride and sealantsProtect Your Smile with Preventive CareCavities are common, but they’re easily manageable with the right preventive care and early treatment. Prioritizing good oral hygiene, making smart dietary choices, and scheduling regular dental visits can go a long way in protecting your smile.Having the right dental insurance makes preventive care even easier. Spirit Dental fully covers three cleanings per year, helping you stay ahead of cavities and other dental issues. Explore our plan options today to find coverage that fits your needs and keeps your oral health on track.

Using your dental insurance benefits is one of the smartest ways to keep you healthy while also protecting your budget from unexpected dental expenses throughout the year. We’ll highlight 4 main benefits of your dental plan to help you plan strategically and make the most of your benefits. 1. Prioritize preventive careMost dental plans cover your preventive cleanings and exams 100%. Essentially, with the cost of your monthly plan, you’re getting these services at no additional cost. If you don’t use these benefits, you’re leaving money on the table. But, there’s more to it. Preventive dental care fully cleans and protects your teeth from plaque and tartar that your toothbrush can have difficulty removing on its own. Dental professionals can also catch little issues before they get bigger, and more costly, potentially saving you thousands of dollars. Get to the dentist, use your “free” preventive benefits, and keep your smile at its best. 2. Address minor issues nowSeeing the dentist isn’t on everyone’s favorite to-do list, but think of it this way—would you rather fix a small tooth issue for under $100 (with your dental plan), or wait, suffer through the pain and end up paying over $1,000? Ignoring a toothache or sensitivity can lead to compounding issues. What could have been a simple and quick dental filling to fix a cavity, could turn into needing a crown or root canal. See your dentist promptly and feel confident using your benefits to save money and feel better. 3. Plan for major treatmentsMajor dental care for restorative services can get expensive quick—dental insurance helps you cover these costs. With dental insurance annual maximums—the set amount of money your dental plan will pay within a calendar or benefit year (from the time your plan starts)—you’ll want to coordinate with your dentist to schedule major treatments to get the most of your benefits. Because your annual max resets once that year expires, and depending how much you’ve already used up, your dentist can help you maximize your benefits. You might be able to delay care until the reset—or if your procedure requires multiple visits, you can time it so you’re getting the most from your plan. A pre-treatment authorization will also help provide clarity. For any procedure, you can request the dental codes from your dentist and submit this to your insurance company to then provide a breakdown of what your insurance will pay. 4. Use HSA benefits A traditional dental insurance plan will cover preventive care 100%, basic care (like fillings) around 50-80% and major services around 25-50%. When your plan pays 50% for a dental crown and you cover the rest, this is called coinsurance. To further help you lower your dental expenses, HSA benefits can be used dental procedures that prevent and treat oral diseases. These treatments include: Teeth cleaningFillings & sealantsX-raysBracesExtractionsDentures& more Using your HSA benefits can help you lower your dental expenses even more with your dental plan. Take control of your dental costs & health Take full advantage of your dental benefits in 2025. Focus on prevention, plan for treatments and enjoy the peace of mind that comes with a healthy, confident smile

Dental insurance is a lot like an ogre—they’re both misunderstood.If you’ve seen the early 2000s movie, “Shrek,” you might remember the line when Shrek (a fictional ogre that lives in a fairy tale land) tells his loyal companion, Donkey, that ogres have layers to them, like an onion—what you see on the outside doesn’t tell you the whole story of who an ogre is. (They might look mean and scary, but they’re actually thoughtful and loving creatures that enjoy candlelit dinners and solitude.)Dental insurance also has layers to its value and coverage. What is dental insurance to you? Used for emergencies only when you need itSaving money on expensive major dental work Preventive care cleanings and check-upsNot worth the monthly expense, I pay out-of-pocketWhether you’re new to dental insurance or experienced, here are some ways to maybe see dental insurance a little differently. Like car insurance—but betterWith your monthly car insurance payment, if you ever get into an accident, your car insurance will help you cover the costs. Same goes for dental insurance. You have a monthly payment and if an issue arises (a filling, crown, root canal), your dental plan will help you cover the costs. Now imagine you receive a letter from your car insurance company that reads: “Free Oil Changes and Maintenance Checks Yearly—On Us, No Additional Charge.” Well, that’s exactly what dental insurance does for your teeth! Most dental insurance plans fully cover your preventive cleanings and exams 100% yearly.And the same reason you get oil changes is the same reason you get dental cleanings. Sure, you might get away with skipping dental cleanings for a while, but eventually, what could have been a $0 cleaning could turn into a $1,500 root canal. Like a gym membership—with a trainerWhen you sign up for a new gym, your monthly payment gives you access to equipment that helps you improve your strength and conditioning through exercise. If you also have a trainer, they’ll provide tips that help you achieve your workout goals faster. Same goes for dental insurance and preventive care. Your monthly payment secures access to cleanings and exams, fully covered, that not only strengthen your teeth and gums, but also provide you with a treatment plan, tips for dental hygiene and advice for dental products—just like a trainer!Like a Costco membership—with twice the benefitsAs a Costco member, you pay an annual fee for access to discounted products within their stores. With dental insurance, you’re given access to a network of dentists offering discounted rates that are pre-negotiated with the insurance company—that’s in-network savings on top of your plan benefits that lower your out-of-pocket costs even more. Is dental insurance worth it? If you’re motivated to visit the dentist regularly for cleanings and check-ups on your own; if you have enough financial savings to cover expensive major procedures; if you’re fine taking on the stress when an emergency happens and you know you have a dentist you can trust—then maybe dental insurance isn’t for you. But if you want to pay an affordable monthly rate for a dental plan that covers preventive care, lowers your out-of-pocket costs for dental expenses and provide peace of mind when an issue arises, then go for it! Get a dental plan today and secure your smile. Spirit Dental insurance plans offer "true" no waiting periods for immediate full coverage with access to a top network with Ameritas offering 25-50% lower rates. Shop our low-cost dental plans today!