$5,000 Annual Maximum Dental Insurance

A confident woman smiling with comprehensive annual maximum dental insurance coverage

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 that 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.

How high annual maximum dental insurance plans work

Spirit Dental offers plans with options up to $5,000 of dental annual maximum benefit per person. 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 need individual dental insurance or you're a couple or family, you don't need to settle for minimum coverage. Feel secure knowing you're covered when you need it most.

Advantages of dental insurance with a high annual maximum

Buying a dental plan with a high annual maximum gives you some of the highest coverage dental insurance available. Below are a few of the major benefits you will enjoy if you sign up for such a plan:

  • Comprehensive coverage: When choosing dental plans with a high annual maximum, individuals can receive comprehensive dental care without worrying about exceeding their coverage limits. This includes preventive treatments like cleanings and exams, as well as restorative procedures such as fillings, crowns and bridges. 
  • Flexibility for major treatments: Dental insurance with a high annual maximum becomes particularly advantageous for individuals requiring major dental treatments, such as orthodontics, dental implants or complex oral surgeries. These procedures often involve higher costs, and having a substantial annual maximum can significantly reduce out-of-pocket expenses.
  • Long-term savings: By investing in dental insurance with a high annual maximum, individuals can effectively manage their dental expenses over time. Regular dental check-ups and preventive care can help identify potential issues early on, preventing more extensive and costly treatments in the future.


Frequently asked questions about annual maximum dental insurance

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.

What does annual maximum mean for dental insurance?

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.

Which dental insurance has the highest annual maximum?

Spirit Dental is widely recognized for offering one of the highest annual maximums in the dental insurance industry. With Spirit Dental Insurance, policyholders can enjoy an impressive annual maximum benefit of $5,000. This means that individuals covered under Spirit Dental Insurance can receive dental care and treatments up to this specified amount within a policy year. 

What can you do when you max out your dental insurance?

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.

Additional Spirit benefits

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 your 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.

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  • 8/1/2024