Dental & Vision Insurance FAQs
Is there any age limit? You must be 18 years of age to be the primary policy holder.
No Waiting Periods
Large Network of Providers
$100 Lifetime Deductible
Choice of In-Network or Out-of-Network Providers
$5,000 Max Coverage Year 3
Choice of In-Network or Out-of-Network Providers
$5,000 Max Coverage Year 3
Your spouse/domestic partner and unmarried children up to age 26 are also eligible. There is no upper age limit for our policies.
How quickly can I start my coverage?
The Spirit Dental individual dental insurance plans offer every day effective dates so you can choose a start date that fits your needs. Choose the one that works best for you and your family. You will receive an email confirmation immediately following your enrollment to verify this information. Your policy will arrive within 10 business days of enrollment.
IMPORTANT NOTICE: Your enrollment may take 2-3 business days before it becomes accessible in the carrier's system. To verify benefits your dentist can go to Ameritas Verification of Benefits or call Customer Service at 866-619-6095.When will I get my ID card?
Please allow 10 business days to receive your information in the mail.
How long will the enrollment process take?
Signing up online takes only a few minutes.
When can I start using my plan?
You can start using your plan on the effective date of the policy!
How much does this dental insurance cost per month?
The monthly premium of your dental policy is based on the following factors:
- The ZIP code in which you live
- Coverage type you select: Applicant, Applicant +1 or Applicant + family
- Whether you select a Choice or Network plan
- If you add a vision rider
- Click here to receive a free quote on Spirit Dental Insurance
How do I pay for my dental insurance?
You may choose to have your premium deducted from your checking or savings account (ACH) or with credit card. (Visa, MasterCard, or Discover)
Payment Information:
1. Initial premium will be withdrawn within 3 business days of your policies effective date, subsequent premiums are due on the day of the month in which the policy was effective.
2. Plan includes a one-time non-refundable enrollment fee of $25. This charge will be made at the time of purchase and may appear as a separate transaction from your insurance.
How often will my premium change?
Initial rates are guaranteed for 12 months and can change with 30 days notice after that.
What will I receive after enrollment?
An ID card and a Policy Certificate of Coverage
I have more dependents than the form allows me to enter?
Let us help you take care of that! Please contact our office by calling 1-800-620-5010.
What does "no waiting periods" mean?
This means you have coverage beginning on first day your policy takes effect. Many insurance companies have waiting periods that make you wait as long as a year before benefits kick in, but Spirit Dental does not! We offer dental insurance with no waiting period and your coverage can start as soon as your effective date.
What does annual maximum mean?
The annual maximum benefit amount is the total dollar amount the insurance company will pay per benefit year.
What are the deductibles and co-insurances of these plans?
The deductible is shown in the Coverage Schedule. The deductible is the amount you must pay before any benefits will be paid by the insurance company. Co-insurance amounts are also shown on your Coverage Schedule. Co-insurance is the amount that you are responsible for. In some instances, a portion of co-insurance is paid by the insurance company and a portion is paid by you, the customer.
If I elect to add the Spirit Vision Plan how do I find a participating vision provider?
In most states the EyeMed Access Vision network is used. Click here to find a provider near you. If EyeMed is not available you may choose to enroll in a plan without a provider network. In these instances you may use any eyecare provider. The Spirit Vision plan is not available in all states.
Does my dentist take this plan?
The Spirit Dental plan utilizes the Ameritas Classic network. Find a provider here.
You may also choose a plan that does not include a network. The Spirit Choice dental plans allow you to visit any dentist and you will be reimbursed according to the policy limits.
What does PPO mean?
PPO (Preferred Provider Organization) means that your dentist has elected to participate within the company’s network of dentists. It also means that he/she has agreed to accept reimbursement per a schedule set by the company as well as provide you with discounts on certain services.
Why should I choose a PPO plan?
Choosing a PPO plan and dentist means you will likely have a lower monthly premium to pay as well as pay less out-of-pocket for your dental services.
What does "choose any dentist" mean?
It means that if you select the Spirit Flex dental insurance plan you can keep your own dentist or choose a dentist that participates in the network. If you choose a Spirit network dental insurance plan you will be able to choose any dentist that you wish that participates in the network.
What is a Spirit Flex Insurance plan?
A Spirit Flex dental plan gives you the choice to visit any dentist – or choose a dentist who participates in the network with the added advantage of utilizing a cost savings coverage rider (or PPO Dental Network) for additional savings.
What does "reasonable and customary" mean?
It means the usual, customary and regular charges for the area where such expenses are incurred.
For Example 90% of Usual and Customary means that 90% of dentists in your area will charge the same or less, only 10% of dentists will charge more.
What is the 30-day customer satisfaction guarantee?
All Spirit Dental individual plans come with our 30-day Customer Satisfaction Guarantee. You have 30 days after your plan becomes effective to cancel if you are not satisfied for any reason. Any premium paid will be fully refunded provided no covered services have been rendered. If services have been provided, you may still cancel your policy, however the premium refund will be minus any claim dollars paid.
When can I cancel my dental insurance policy? Are there any long term contracts?
You can cancel at any time. Your coverage will terminate on the last day of the month. Your coverage will terminate based on your billing date.
Already a Member?
For benefit verification, billing claims, new cards, changes etc.:
Ameritas Life Insurance Corp. (Ameritas Life) PO Box 82520, Lincoln, NE 68501-2520
Claims: 877-667-6127
Customer Service (non-claim questions): 866-619-6095
E-mail: SpiritIndservice@Ameritas.com
What is Open Enrollment and when is it?
Open enrollment is the time of year (usually November 1st through December 15th but deadlines vary state-to-state) where people can enroll in health insurance plans either through their employer or as an individual.
The good news is that you don’t need to wait for Open Enrollment to sign up for dental or vision coverage, you can enroll anytime. Best of all, when you choose Spirit, there’s no waiting period!
Get your free quote!
Questions about our plans? Call us: (844) 833-8440
