Spirit Dental is popular as they offer a wide array of plan choices and benefit packages. Whether you are just looking for something to cover preventive care – or something to help with major services – you’ll have several options.
One benefit that stands out with Spirit is they offer three cleanings per year. Very few insurance companies offer more than two cleanings, so that’s desirable for many of our clients.
Most plans have a lifetime deductible of $50 that only needs to be met once. Basic and major services are covered with no waiting periods with higher tier plans.
Like many traditional dental insurance policies, your benefits will ramp-up from year to year. In other words, annual maximums might start at $1,200 in year one, but increase to $5,000 by year three. And your coinsurance decreases for major services each year. This means Spirit covers more of the cost for things like crowns, root canals and dentures.
In Network Options – Or Use Any Dentist
Like all dental plans, you will usually experience the most savings with an in-network provider. That’s why Spirit offers plans that allow you to use their dentists – or the choice of using any dentist.
You can even nominate your provider to join their network too. There’s a lot of flexibility with their networks.