Individual Dental Insurance Plans for You
Oral health is essential at every age, and seeing a dentist regularly is a must, in addition to brushing and flossing daily. Unfortunately, even routine dental care can be shockingly expensive, especially if you don’t have insurance to help cover the cost. It's no wonder people without insurance are more likely to avoid these crucial appointments.
Individual dental insurance plans are designed to help you save money, whether you have to go to the dentist for a checkup and cleaning, you have a cavity that needs to be filled or you need to have a tooth extracted and replaced with an implant.
Spirit Dental has a plan for you
Spirit Dental Choice and Network plans offer coverage to fit your needs, from budget-friendly to flexible provider options. Our dental plans for individuals can make a difference in your oral health.
Can individual dental insurance help reduce dental costs?
Absolutely! But not all individual dental insurance plans are created equal, so shop with care. Selecting a plan simply because it has a low monthly premium might leave you wanting more when it comes to actual coverage for expensive procedures.
Also, scheduling appointments for routine dental exams and treatments is one thing, but it’s vital to consider that problems sometimes develop quickly and unexpectedly. You might end up with a severe toothache requiring a root canal or accidentally chip or crack a tooth. In those moments, you'll be really glad you have insurance!
With the right coverage, such as one of the dental insurance plans for individuals offered by Spirit, you can enjoy greater peace of mind because you won't have to sacrifice receiving the highest quality care whenever you need it, even in the event of an emergency.
Which dental insurance is good for individuals?
If you're an individual in search of a policy that will cover your needs without breaking the bank, Spirit has several great dental plans for individuals to consider. Once you're all signed up, you won’t need to delay getting treatment if you're experiencing symptoms, and you'll be able to see the dentist regularly to catch problems in their earliest stages. Perfect!
Some of the perks that come with our affordable dental plans include:
Check out our Choice and Network plans to compare their costs and benefits when you're ready to start looking for dental insurance only for yourself. Here's a brief breakdown of what these types of plans have to offer:
Spirit Choice Dental Insurance Plans
Do you want to be able to select any dentist without needing to stick with providers in a network? Then a Spirit Choice Dental Plan might be precisely what you're looking for.
This is known as a fee-for-service plan, so you'll be reimbursed for your dental services. The reimbursements will vary, but this individual dental insurance policy may cover 50-100% of the cost, which can help you save quite a bit.
Something to consider: you may need to cover the difference if you see a dentist who charges more than our fee schedule allows.
Spirit Network Dental Insurance Plans
If you don't mind selecting a dentist from a network, the Spirit Network Dental Plan is here to help you save money.
This plan can help you reduce out-of-pocket costs by seeing in-network dentists. If you receive care from an out-of-network dentist, the plan might not cover as much, and your out-of-pocket costs may be higher.
Can you get individual dental insurance anytime?
Yes! Unlike medical insurance, which you can usually only purchase during open enrollment, private individual dental insurance offered by companies like Spirit can be purchased anytime throughout the year. You can start the enrollment process whenever you're ready to sign up for a stand-alone dental plan. It’s that simple.
How long does it take for individual dental insurance to work?
One thing to remember is that some dental insurance companies offer plans that have waiting periods that could last anywhere from a few months to over a year. Basically, after you sign up, your coverage won't immediately kick in. This can be super frustrating.
Dental insurers will cover preventive care, basic services and major services. Some individual dental insurance plans might impose a waiting period on all categories of care, while others might only require a waiting period for certain types of care.
To avoid the headache, confusion and hassle of having to wait to see the dentist after becoming insured, just search for dental insurance with no waiting period, like the plans offered by Spirit Dental. On the first day that your insurance becomes active, you'll be able to see the dentist.
How much is dental insurance per month?
If you’re assuming that a dental plan will be pricey, think again.
- At Spirit Dental, your monthly premium might be anywhere from $36 to $70. This rate will be based on various factors, such as where you’re located and the plan you select.
- In addition to a monthly premium, all Spirit Dental plans have a one-time deductible of just $100.
- Our dental insurance plans also provide high annual maximums that may be anywhere from $1,200 to $5,000.
Spirit Dental has the individual insurance plan that’s just right for you!
Ready to start shopping for full coverage dental insurance that will give you exactly what you need at a price you can afford? You can sign up for a Spirit Dental individual dental insurance plan online, which only takes a few minutes.
Once you’ve signed up, you’ll receive your ID card in the mail in about 10 business days. Then, on the effective date of your policy, you can make seeing the dentist more affordable.
Have questions? We're here to help! Contact us anytime for support and guidance.
Sources:
https://www.cigna.com/individuals-families/plans-services/dental-insurance-plans/
https://www.uhc.com/dental-vision-supplemental-plans/dental-insurance
https://www.deltadental.com/us/en/product/individual-dental-insurance.html
https://spiritdental.com/dental-insurance/affordable-dental-insurance