What is the best dental insurance for individuals?

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: &#8226 No waiting periods – many individual dental carriers will enforce a waiting period of 6 months to 12 months before your procedures are covered. Spirit Dental & Vision policies have no waiting periods on all procedures. &#8226 Coverage for implants and major services – some individual dental plans will exclude coverage for costly procedures like implants, crowns, bridges, and dentures. &#8226 High annual maximums – An annual maximum is the maximum benefit you can receive from the insurer. 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.

Can I buy dental insurance on my own?

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.

Is it worth getting dental insurance?

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.

Individual Dental Insurance

Q: How much is dental insurance per month?

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.

Oral health is important 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 that people without insurance tend to be more likely to avoid these important appointments.

Dental insurance is 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

From budget-friendly to flexible provider options, Spirit Dental Choice and Network plans offer coverage to fit your needs.

Can individual dental insurance help reduce dental costs?

Absolutely! But, not all 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 important to consider that, sometimes, problems develop quickly and unexpectedly. You might end up with a severe toothache and require a root canal or you might accidentally chip or crack a tooth. In those moments, you’ll be really glad you had insurance!

With the right coverage, such as one of the individual dental plans 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 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 individual 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 exactly what you’re looking for.

This is known as a fee-for-service plan, so you’ll be reimbursed for dental services you receive. The reimbursements will vary, but this 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 a higher amount 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.

With this plan, seeing in-network dentists can help you reduce your out-of-pocket costs. 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 dental insurance anytime?

Yes! Unlike medical insurance, which you can usually only purchase during Open Enrollment, private dental insurance offered by companies like Spirit can be purchased at any time throughout the year. Whenever you’re ready to sign up for a stand-alone dental plan, you can start the enrollment process. It’s that simple.

How long does it take for dental insurance to work?

One thing to keep in mind 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 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 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 plan online, and it 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 begin seeing the dentist more affordably.

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