Taking care of your oral health is important at any age. But if you don’t have an insurance plan that covers checkups, cleanings, and various treatments and procedures that keep your teeth and gums in tip-top shape, you might be tempted to avoid seeing your dentist until absolutely necessary. Unfortunately, waiting until you’re in pain isn’t a good idea, as it usually indicates you have an advanced—and expensive to treat—problem.
At Spirit Dental, you can find individual insurance plans that suit your budget so you won’t have to break the bank to get the coverage you need. With the right level of coverage, you won’t have to sacrifice seeing the dentist regularly, and that means you can discover and treat problems in their earliest stages, when it’s less expensive and less painful to do so.
Remember, dental health is an important part of overall wellness, and failing to address minor problems today could lead to serious problems down the road. If you’ve ever been reluctant to see the dentist simply because of the costs, you’ll be pleasantly surprised by the plans we offer.
|Plan Name||Network 750/ 1000/ 2500||Choice 750/ 1000/ 2500||Network 1200/ 2500/ 5000||Choice 1200/ 2500/ 5000||Network 3500||Choice 3500||Network 1200||Choice 1200|
|Plan Recap||The Network 750/ 1000/ 2500 plan has our lowest premium. This PPO plan utilizes the Ameritas Classic Network, reduces out-of-pocket costs, and has graduating benefits, so your benefits increase annually for the first 3 years on the plan.||The Choice 750/ 1000/ 2500 plan offers the same benefits as the Network version of the plan but allows you to pay less out-of-pocket while going out of network. This plan has graduating benefits so your benefits increase annually for the first 3 years on the policy.||The Network 1200/ 2500/ 5000 plan is a great option if you want to graduate to a high $5,000 annual max while staying at a low monthly premium. This PPO plan utilizes the Ameritas Classic Network, reduces high out-of-pocket costs, and graduates to our highest annual max after 3 years on the plan.||The Choice 1200/ 2500/ 5000 plan offers the same benefits as the Network version of this plan but allows you to pay less out-of-pocket while going out of network. This plan also graduates to our highest annual max available ($5,000) after 3 years on the plan.||One of our most popular plans, this plan offers the high $3,500 annual max with no waiting periods so you can get the best value for your monthly premium. This plan utilizes the Ameritas Classic Network and reduces you out-of-pocket costs.||The Choice 3500 plan offers the same benefits as the Network version of this plan but allows you to pay less out-of-pocket while going out of network. This plan is a great option if your dentist does not participate in networks.||This inexpensive policy offers the most network coverage if you're in need of coverage now, with no waiting periods. This plan gives your the most coverage at the lowest price, and utilizes the Ameritas Classic Network.||The Choice 1200 plan offers the same great benefits as the Network 1200 plan but allows you to pay less out-of-pocket while going out of network. We recommend this plan if you need coverage now for major services, but your dentist does not participate in networks.|
|Network||Lowest price if in-network||Lowest price if out-of-network||Lowest price if in-network||Lowest price if out-of-network||Lowest price if in-network||Lowest price if out-of-network||Lowest price if in-network||Lowest price if out-of-network|
|Annual Max||Up to $2,500||Up to $5,000||$3,500||$1,200|
|Waiting Periods||No Waiting Periods||No Waiting Periods||No Waiting Periods||No Waiting Periods|
|Deductible||$100 Lifetime Deductible||$100 Lifetime Deductible||$100 Lifetime Deductible||$100 Lifetime Deductible|
** Please note that not all plans are available in every state**
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From your basic checkups and professional cleanings to treatments that resolve gum disease, fill cavities, and remove extensive decay and infections, Spirit Dental has you covered. Plus, major services and dental implants are covered too!
Our individual plans are designed to give you peace of mind at an affordable price so you never have to sacrifice the health of your mouth and the beauty of your smile because costs are too high.
Need some more information on the importance of receiving high-quality dental care at every stage of life? Here are some of our informative blogs →
Outstanding dental insurance does more than just cover the expected; it also covers the unexpected.
It’s one thing to schedule appointments for checkups or when you need to have your teeth examined because you’re experiencing symptoms, but you should also be prepared for those times when you might find yourself calling the dentist for an urgent need.
We know that the last thing you want to think about is a price tag when you need care right away. So, whether you chip a tooth, suffer a mouth injury while playing sports, or lose a tooth in an accident, you can head to your dentist for the treatment you need without having to worry about being able to pay for it.
Need some more information on what to do during a dental emergency or after an injury? Here are some of our educational blogs →
Just like you take good care of the rest of your body, it’s important to take care of your mouth. A lot of people don’t realize that there’s a connection between the health of your teeth and gums and the health of your entire system.
For example, problems in your mouth might lead to problems with your heart. On the flipside, certain medical conditions, such as diabetes, might increase the risk of developing oral health problems. And, as another example, severe infections that occur in the mouth from extensive tooth decay might travel through the bloodstream to other parts of the body.
Taking great care of your mouth is more affordable when you have the right individual dental insurance. And this is a smart step towards caring for your whole body because seeing a dentist for checkups can alert you to problems that have the potential of impacting other aspects of your health.
Need more information on the connection between oral health and overall health? Here are a few of our latest blogs →
Review our plans or speak with one of our licensed agents today if you have any questions regarding individual coverage and which plan is best for you.
If you do not have dental insurance through an employer, you might be wondering which private dental insurance is best for individuals. When shopping in the individual market, look for the following features:
Spirit Dental & Vision insurance plans are among the best insurance policies for individuals due to having no waiting periods, coverage for major services, and high annual maximums.
Yes, you can! If you are above the age of 18, you can purchase private dental insurance that is separate from your medical insurance plan.
The price of your dental insurance will depend on many variables. On average, you can expect to pay anywhere from $20-$60 a month for individual PPO dental insurance policies. The price of individual dental insurance will vary based on your location (zip code), the type of plan you purchase, and the type of coverage you are looking for.
Having dental insurance pays off – Not only are you more likely to utilize preventive services, these preventive services are covered at 100%! Accessing annual cleanings and exams now prevents the need for costly major services, but in the case that you need them, you are covered. It’s a win-win.