Family Dental Insurance Plans

If you’ve hesitated to get this type of insurance in the past, consider that you can find surprisingly affordable yet comprehensive family dental plans at Spirit Dental. 

Why family dental insurance is a good investment

Maintaining oral health is important at every age. Unfortunately, dental care can get pricey — especially if every family member sees their dentist more than once a year for checkups and cleanings. And if cavities need to be filled, wisdom teeth need to be extracted, or braces are required to fix malocclusion, your wallet can certainly take a hit if you aren’t insured.

While a routine exam and X-rays might cost $100 or more, major services might cost hundreds — or even thousands — of dollars. Orthodontics may cost you thousands as well. Consider, too, that emergency dental care can put a lot of strain on your budget. So, in addition to anticipated dental care, you also need to consider the potential costs of unexpected treatments you might need from a dentist or specialist.

The solution is simple: affordable dental insurance for your family can give you peace of mind that’s priceless. With a family dental plan that covers preventive, basic, and major services, you can save a substantial amount of money.

How to choose the best family dental plan

Whether you’re shopping for dental insurance for a family of five or two, you have many great options, especially if you check out what Spirit Dental offers.

As you compare family dental insurance plans, keep the following in mind:

Out-of-pocket costs

In addition to the monthly premium, there will be other out-of-pocket fees you’ll be responsible for. These may include copays, deductibles, and coinsurance. 

Networks

Does everyone in your family use the same dentist, or do they see different dentists? Either way, using an in-network provider is usually the way to get the highest savings, so confirm that the professionals you’d like to use will accept the plan. You can also hone in on dental insurance plans for families with large networks or let you choose any dentist. 

Orthodontics coverage

If your kids need orthodontics, you’ll be glad you have orthodontic dental insurance that helps cover the cost. At Spirit Dental, you can find family dental insurance plans that cover children’s orthodontics, so you won’t have to stress about how you’ll afford this expensive treatment.

Waiting periods

Some dental plans for your family have waiting periods that delay when your family can start receiving care. Spirit Dental offers plans without waiting periods, so no one will have to hold off on seeing the dentist once you’re enrolled.

Limits and restrictions

Check a plan’s details carefully for information on annual limits, pre-existing condition exclusions, and other restrictions. Doing so will help you know what to expect regarding what is and isn’t covered by your dental insurance for the family.

Spirit dental insurance plans for families

Here are some of the reasons why Spirit Dental is the best family dental insurance provider:

• Two exams and three cleanings are covered each year for every member of the family
• Coverage for major services and dental implants
• Coverage for children’s orthodontics
• Up to a $5,000 annual maximum
• No waiting periods for preventive, basic, or major services
• Choice plans let you select any dentist
• Guaranteed acceptance

Want to see what’s possible for you and your family? Get your free dental insurance quotes today, or contact us to have all of your questions answered.

FAQ about family dental insurance

We know you have questions about family dental insurance and dental insurance for kids. We have answered some of the most common questions we receive about family dental plans below.

What are the 4 main categories of dental coverage?

The four main categories of dental coverage are:

• Preventive Care: This includes routine check-ups, cleanings, X-rays, and other basic procedures to help prevent dental problems from developing.
• Basic Procedures: This covers common dental procedures such as fillings, extractions, and root canals.
• Major Procedures: This covers more complex dental procedures such as bridges, dentures, and crowns.
• Orthodontic Care: This covers orthodontic treatment such as braces or clear aligners.

What is the most common type of dental insurance?

The most common type of dental insurance is PPO (Preferred Provider Organization) plans, which offer a network of dentists that policyholders can choose from, typically with lower out-of-pocket costs if they choose a provider within the network.

Is family dental insurance tax deductible?

You might be able to deduct the cost of family dental insurance if it’s for medical rather than cosmetic purposes. Work with a tax expert to determine if you can deduct your dental insurance and dental care expenses.

How do I choose a family dentist?

There are many things to consider when searching for the right dentist. It’s wise to see a professional with a positive reputation, years of experience, and the ability to provide top-quality care with the latest tools and technology. Also, remember that some dentists work with children and adults, while pediatric dentists focus on kids. You can look through your insurance provider’s network to find a dentist to help you save.

Can I have two dental insurance plans?

Dual coverage, which involves having two dental plans, may be possible if you’d like to take that route. However, you can’t buy two separate Spirit Dental plans. Also, we don’t coordinate benefits or check if another insurance provider has covered a portion of a procedure. Instead, we determine coverage based on the entire procedure.

What is the cheapest family dental insurance plan?

With a wide variety of policies to choose from, you can turn to Spirit Dental when you want a family plan that will be affordable and give you the right amount of coverage. Contact us if you need help selecting the ideal plan for you and your budget.

Sources:

https://www.investopedia.com/ask/answers/112415/dental-insurance-tax-deductible.asp