Medical insurance has a reputation for being overly complicated. Depending on the type of services, you might have to pay out-of-pocket until your deductible has been met. And since we're all trying to avoid a catastrophic injury that would meet said deductible, we rarely see providers paying out.
With Spirit Dental Insurance or with other insurances, you will still have a deductible that will vary by provider. But the real catch is knowing in advance your annual maximum dental insurance amount. Most insurance providers set $1,000 to $1,500 as their dental insurance annual maximum, which might not be enough to fully protect you and your loved ones.
Spirit Dental plans offer options up to $5,000 of annual maximum dental insurance coverage. With this higher maximum coverage, you can rest easy, getting the procedures you need without worrying too much.
The benefits of our high annual maximum dental plans are obvious. Whether you're an individual, couple or family, you don't need to settle for minimum coverage. Feel secure knowing you're covered when you need it most.
If you're looking for the best dental insurance with a high annual maximum, we understand you probably have some questions. We have gathered some common questions about dental insurance plans that have a high annual maximum and answered them for you below.
Your annual maximum for dental insurance is the maximum amount of coverage your insurance will provide after you meet your deductible. Dental plans with a high annual maximum may cost more each month than plans with lower maximums, but lower maximum plans will cost you more in the long run if you need care beyond the maximum.
Once you have maxed out your dental insurance by reaching the annual maximum, you have a few options. One option is to postpone dental procedures until the following year. The second option is to pay for the procedures out of pocket. A good way to delay maxing out your insurance is by getting a $5,000 annual maximum dental insurance plan from Spirit Dental. Once you meet your deductible, we will cover $5,000 of dental care costs per year. Compare dental insurance plans and find one that meets your needs.
When you need affordable dental insurance, Spirit Dental has you covered. We offer dental insurance that covers implants and other major services.** We also provide dental insurance with no waiting period. Other benefits include:
It's easy to get dental insurance quotes online with Spirit Dental. Contact us for more information and get the insurance you need today to maximize tomorrow's smile.
*The $5,000 annual maximum plan(s) may not be available in all states.
**Coverage varies by plan.
***The National Association of Dental Plans (napd.org) indicates most Dental Network and Indemnity plans have a maximum annual benefit of $1,000 to $1500.