For 23 percent of children ages 2 to 11, it’s untreated tooth decay. Dental caries, commonly known as tooth decay, is the most prevalent chronic disease among children and adults despite being largely preventable. The startling reality is that nearly half of all children ages 2 to 5 years old have never visited a dentist and 59 percent of adolescents ages 12 to 19 have dental decay in their permanent teeth, while 12 percent of all adults ages 20 to 64 have neglected to see a dentist within the past five years. Add to these figures the 18 percent of seniors 65 years and older who have tooth decay that is untreated and we can see just how far reaching the scope of this disease truly is. read more
Spirit Dental Resources
What’s behind a smile? Unfortunately, behind many smiles today lurks untreated tooth decay. Dental caries (or tooth decay) is the most common chronic disease among children and adults- it is also the most preventable. From 2-year-olds to retired seniors, tooth decay affects a large percentage of people across all age groups.
So why is such a preventable problem affecting nearly 100 million Americans? The short answer is a lack of coverage. Despite the slowly increasing level of coverage, 48 percent of employers do not cover dental insurance for their employees. Spirit Dental’s mission is to provide dental coverage at industry leading prices, offering exclusive insurance plan options not available through any other company. Spirit Dental is here to help bridge the gaps standing in the way of healthy, happy smiles. Tom Mayer, the founder of Spirit Dental, gives an idea where the inspiration for Spirit Dental’s stand-out coverage comes from. He says:
“Spirit Dental provides three cleanings covered at 100% on its insurance plans. Other individual dental insurance plans only cover 2 cleanings. Combined with our industry leading $3,500 annual maximum per person per year, Spirit Dental’s benefits really pack a punch!”.
Added to no waiting periods on preventive, basic or major services and guaranteed acceptance with open enrollment, Spirit Dental is truly unparalleled in the dental insurance industry. Each package has distinctive advantages toward your individual needs:
Spirit Dental’s Family Dental Insurance plan enables policyholders to select their own dentist, covers implants and major services and allows for an industry high of three cleanings and two exams for each family member per year. Under the Family Dental Insurance plan, policy holders can choose from $1,200, $2,500 or $3,500 maximums. The family dental plan is an excellent option for families currently without dental insurance or who may be searching for a more cost effective family dental plan.
Children’s Dental Coverage plans are available through Spirit Dental with the same great options as adults. What makes our children’s plans stand out is our emphasis on preventative programs. We believe that early checkups and educational programs are the key to maintaining your child’s dental health.
Single and loving it? Check out our Individual Dental Insurance plans at a range of prices perfect for self-employed individuals and those without dental coverage through an employer. Singular dental insurance can be the most difficult to obtain (and most expensive), and we want to make sure you are covered without breaking the bank.
For our senior and retired citizens, we have comprehensive and affordable Senior Dental Plans without age limits. We offer the same extensive coverage for seniors that we offer for adults, with all the options and opportunities included. After all, age is just a number, and when it comes to your dental health insurance, it’s an unimportant number.
Spirit Dental would love to be a part of what makes your smile shine, and with easy to find enrollment information available online, access to affordable dental insurance plans is just a few clicks away. Please visit www.spiritdental.com for open enrollment and quote options, or give us a call at 800-620-5010, we would be happy to assist you.
Did you know that seniors need far more oral care than any other age group? Teeth, like any other body part, grow and decay as time goes on. People without dental insurance are less likely to take proper care of their teeth. It’s important to safeguard yourself against any future problems.
For Baby Boomers who are retiring and will lose employer sponsored insurance, they now will need to pay out-of-pocket for dental care or obtain alternative coverage such as through an individual dental insurance or Medicare Advantage plan. According to a recent study prepared for the American Dental Association, two-thirds (66 percent) of adults 65 and over have no dental coverage.
Spirit Dental has no age limits and provide baby boomers with dental plans that are not only affordable, but easy to understand and easy to use. Seniors need dental plans that deal with major services such as crowns, root canals, implants, dentures, and bridges.
It’s Spirit Dental’s mission to offer the perfect plan for everyone looking for dental insurance, no matter what their needs are. You can choose your own dentist, there are no waiting periods, you have guaranteed acceptance, and all implants and major services are covered.
Did you know that seniors need far more oral care than any other age group? Teeth, like any other body part, grow and decay as time goes on. People without dental insurance are less likely to take proper care of their teeth. It’s important to safeguard yourself against any future problems.
For Baby Boomers who are retiring and will lose employer sponsored insurance, they now will need to pay out-of-pocket for dental care or obtain alternative coverage such as through an individual dental insurance or Medicare Advantage plan. According to a recent study prepared for the American Dental Association, two-thirds (66 percent) of adults 65 and over have no dental coverage.
Spirit Dental has no age limits and provide baby boomers with dental plans that are not only affordable, but easy to understand and easy to use. Seniors need dental plans that deal with major services such as crowns, root canals, implants, dentures, and bridges.
It’s Spirit Dental’s mission to offer the perfect plan for everyone looking for dental insurance, no matter what their needs are. You can choose your own dentist, there are no waiting periods, you have guaranteed acceptance, and all implants and major services are covered.
By providing a wide range of affordable plans and benefits, Spirit Dental believes we can help you keep your oral health on track. Young or old, we will provide quality service and affordable plans. Thanks to our dental insurance, large expenses won’t stand between you and good oral health. Coverage is just a click away.
“What is a waiting period and why do I have one on my dental insurance?
“Why isn’t all dental insurance offered with a no waiting period?”
“Why am I still waiting for my insurance to cover my dental procedures?”
Are these questions you are wondering and maybe even confused about? At Spirit Dental, we keep things simple with no surprises. Once you’ve enrolled in a plan, you’re covered by insurance and can make that appointment with your dentist. We have no waiting period. What does this mean and how does this help you?
At Spirit Dental there are no waiting periods for preventive, basic or major services on the Spirit Dental plans. This means that on almost every one of our plans offered you will not be waiting for coverage, as soon as you are effective you are covered. Effective dates are the 1st, 5th, 10th, 15th, 20th and 25th of every month, so you’re maximum wait time is 5 days.
Many dental insurance carriers impose a waiting period on plan coverage. This means that after you’ve enrolled in an insurance plan, you have to wait up to twelve to eighteen months before having any of your major services dental needs are covered. You could still be paying your monthly premiums without the benefit of having your dental costs covered, leaving you to pay 100% out of pocket. The impact on your coverage is clear, a waiting period may leave you without coverage – and when you need it most.
At Spirit Dental, we will help you get coverage, answer all questions, and make sure you aren’t waiting to have any necessary dental procedures completed. This means as soon as your policy is effective you can immediately start making those vital and important dental appointments needed to start bettering yourself and your health! Get your 30 second quote today.
Whether you’re searching for dental insurance for yourself, your children, or your aging parent, you’ve probably already made at least one unfortunate discovery: shopping for plans can be confusing, overwhelming and downright frustrating. Worse, unless you started your search here, at Spirit Dental, you probably got the impression (from our larger competitors) that dental insurance is expensive, never provides more than $1,000 or $1,500 per year in coverage, has required waiting periods, provides extremely limited coverage, and excludes some procedures altogether. It’s hard to justify the costs of premiums when the major procedure you need is excluded – or exceeds your annual max.
“It’s as if the large insurance companies think you don’t know how to do basic math,” says Tom Mayer, founder and CEO of Spirit Dental. “At Spirit Dental, we know our customers can do math. They’ve got their own calculators. They know how the dollars add up.”
Mayer, the outspoken critic of traditional dental insurance plans, says Spirit Dental’s products were designed to meet the needs of the 21st century consumer. The key, he says, was creating a level of flexibility between plans to allow anyone to find a plan that’s best for them. There are key differences between the Spirit Dental plans. Some offer a $3,500 annual maximum while others have lower premiums with lower annual maximums. But no matter which product you choose, Mayer says, Spirit Dental promises a superior insurance product to protect your oral health, your overall physical health, and your finances. Key features of all Spirit Plans include:
3 Cleanings per year – Driven by the belief that excellent physical health is closely linked to healthy teeth and gums, all Spirit Dental plans cover 3 cleanings per year.
Implant coverage is available with no waiting – Many traditional dental insurance carriers refuse to cover implants by categorizing them as “cosmetic.” Still others claim to cover them – but then impose waiting periods of up to five years. Ask a licensed insurance agent about limitations and exclusions for any plans that you consider.
No waiting periods for anything – Your coverage begins immediately upon effective date and with 6 enrollment periods per month, you never have more than 5 days to wait before your enrollment is complete.
$1,200, $2,500 or $3,500 annual maximums – Choose a plan that best fits your budget based on your estimated annual dental expenses.
$100 Lifetime Deductible – Some insurance companies make you meet an annual deductible before they start paying for your dental expenses. At Spirit Dental, you can pay a one time, lifetime $100 deductible.
Indemnity or PPO – It’s your choice! If you have a dentist you love, enter their name in our preferred provider search to see if they’re a member of our network. If they are, great! If they’re not, you can keep them and choose one of our indemnity plans. Or, you can select a dentist from our network of preferred providers and enroll in one of our PPO (Preferred Provider Organization) plans.
Guaranteed Acceptance – You simply select the plan that’s right for you. No proof of health. No exclusions.
See for yourself how much better dental insurance can be!
Tom Mayer invites you to compare Spirit Dental to anyone else in the industry by taking our 30 Second Challenge. “I guarantee you,” says Mayer, “you’ll see the differences.” After reviewing the results, simply choose the next step that’s best for you. “We believe we have a products will fit any customer’s needs and I would love to see everyone sign up with Spirit Dental. But my goal is to see dental insurance improved for everyone in America. So I would be just as happy if people went back to their giant insurance companies and asked them why they won’t provide $3,500 annual maxim
Americans shopping for dental insurance often face conflicting reports and mixed messages about the various options available to them. At Spirit Dental, we believe that shoppers should be presented with all the facts to make informed decisions. So in upcoming stories/posts, we’ll explain some common misconceptions about dental insurance – and what you should look for to find the plan you need.
Tom Mayer
Need for Dental Insurance
The National Association of Dental Plans reports that nearly 127 million Americans lack dental coverage -- more than a third of the U.S. population! But many people are coming to understand that preventive dental care – like other forms of preventive health care – not only helps them stay healthy, but also is more cost-effective. In fact, the American Dental Association reports that for every dollar spent on preventive dental care, Americans save $7 dollars later on.
However, shopping for dental insurance is not a walk in the park. Because so many Americans are unfamiliar with dental coverage options, many fail to understand what they’re getting when they sign on with a plan. The bottom line is that dental coverage plans often highlight the positive plan features and bury the problems in the fine print.
Discount Dental Plans vs. Fully Insured Plans
Discount dental plans, sometimes called dental price clubs, have been around since the early 1990s. They provide members with discounts on fillings, exams, routine cleanings, and other dental services. Subscribers pay monthly or yearly membership fees and participating providers accept a pre-negotiated fee as payment for services, usually at the time of service. Discount plans are not insurance. Spirit Dental is insurance.
Annual Maximums for the 21st Century
Spirit Dental pays up to $3,500 of dental expenses per person each year, twice as much as many dental insurance plans. Says Spirit Dental CEO Tom Mayer: “The 20th century dental insurance plan is dead! The old days of your dental insurance plan only paying $1,000 a year are over.” With Spirit Dental plans, dental bridges, implants or root canals, which can cost thousands of dollars, are covered. And don’t forget – no waiting!
Waiting Periods
Many dental insurance plans have waiting periods on major services, like crowns, bridges, dentures and implants. Some discount plans still subject members to a waiting period before their discount is applied. Spirit Dental has NO waiting periods on major services.
Provider Network Options
Many discount plans require the member to use a participating provider in a limited network. Spirit Dental insurance plans allow the freedom of choice to use a network provider or go to the dentist of your choice.
Spirit Dental or Discount Plan? You Be the Judge
If you want to choose your own dentist, schedule an immediate appointment, and receive expanded annual coverage, the choice is clear: Spirit Dental beats other dental insurance and discount plans.
Choose Your Own Dentist
No Waiting Periods for All Services
$1,200, $2,500 or $3,500 Annual Maximums
3 Cleanings Covered Per Year
Do you rely on a Medicare Advantage plan for individual dental insurance and visual insurance? If you do, your coverage may end later this year due to Affordable Health Care Act budget cuts. What should you do?
Finding affordable dental care can be challenging—but you have options. If you need a new dentist, it’s good to know that most dentists are doing everything they can to make their services more affordable. Today, most dentists offer or accept savings plans, and many provide new-patient specials that give you free first visits and treatment discounts. In-house or third-party financing -- with reasonable payment plans – are often available. If you’d prefer individual dental insurance to fill your coverage gap, you’ll find the plan and the coverage you need at Spirit Dental.
Look to Spirit Dental for Affordable, Same-Day Coverage
With Spirit Dental, you’ll find a flexible, affordable plan that fits your needs and your budget. Click us for 30 second online quote today and compare our rates and our benefits with other plans. You’ll see why Spirit Dental offers the best dental insurance plans in America. With a Spirit Dental plan:
Choose Your Own Dentist
No Waiting Periods
Guaranteed Acceptance
Implants and Major Services Covered
Three Cleanings Per Year
Choose From $1,200, $2,500, or $3,500 Maximums