Do you find yourself questioning whether dental insurance is worth the dent to your wallet? You already have home insurance, health insurance, car insurance, but is there room in all of that for a new dental insurance plan? read more
Spirit Dental Resources
Individual dental insurance is often considered an 'additional' expense that is going to put a dent in one's personal budget. Most people decide to overlook it as a potential option because it simply does not fit into their monthly stipend. However, there are a number of reasons for having individual dental insurance because the costs attached to dental treatments will add up over time. The advantages far outweigh the negatives and it is essential to see how.
Costs
Let's imagine you do not have individual dental insurance and are relying on either staying orally healthy or simply footing the bill as the issues come around. Here are what the costs are going to end up looking like for some major and routine services.
Dental Fillings - $110
Root Canal -$600-1000
Teeth Extractions - $100-200
Sealants - $60-100
These are just some of the costs that will be attached with these treatments. It is important to remember the costs that come along with these treatments such as x-rays and other fees are not being taken into account and they should be. All of these costs would be covered with the right dental insurance package, benefits of having Dental Insurance should be flashing like a bright light at this point.
Freedom
A patient that is going to be looking for the right treatment has the ability to go with a dentist that is going to do the job properly. There are a number of dentists out and about, but only a select few that are going to make sure the treatment is done appropriately.
When stuck with a certain budget, it becomes near impossible to go to any dentist because some of them might be out of your price range. If that is the case, you might end up settling for mediocre results and that is simply asking for trouble. If you had dental insurance, this would never even cross your mind. You go to the dentist that you want to go to.
Regular Maintenance
Those who do not have dental insurance are known for pushing the limits when it comes to their oral health. They will refuse to go to the dentist because it will end up being an 'unnecessary' cost that could have been avoided.
However, great oral health is key for your overall health and when you have dental insurance, you are not going to have to think twice about going to a dentist. It is recommendend that you see a dentist twice a year; Spirit Dental believes so strongly in the importance of routine check ups that Spirit will cover up three cleanings per year.
Significant Coverage
Even with a insurance plan where you are paying $30 a month, it will be easy to get over $1000 in coverage per year. This is often more than enough for people who are only going to be heading to the dentist here and there.
The coverage that is on offer will be based on the plan that has been signed up for. There is a lot of customization that goes into this process and Spirit is happy to walk through that process with you. That is the charm of having individual dental insurance through Spirit Dental.
The importance of individual dental insurance cannot be stressed enough for those who want to be free from the pressures of their budgetary demands.
Did you know that seniors need far more oral care than any other age group? Teeth, like any other body part, grow and decay as time goes on. People without dental insurance are less likely to take proper care of their teeth. It’s important to safeguard yourself against any future problems.
For Baby Boomers who are retiring and will lose employer sponsored insurance, they now will need to pay out-of-pocket for dental care or obtain alternative coverage such as through an individual dental insurance or Medicare Advantage plan. According to a recent study prepared for the American Dental Association, two-thirds (66 percent) of adults 65 and over have no dental coverage.
Spirit Dental has no age limits and provide baby boomers with dental plans that are not only affordable, but easy to understand and easy to use. Seniors need dental plans that deal with major services such as crowns, root canals, implants, dentures, and bridges.
It’s Spirit Dental’s mission to offer the perfect plan for everyone looking for dental insurance, no matter what their needs are. You can choose your own dentist, there are no waiting periods, you have guaranteed acceptance, and all implants and major services are covered.
Did you know that seniors need far more oral care than any other age group? Teeth, like any other body part, grow and decay as time goes on. People without dental insurance are less likely to take proper care of their teeth. It’s important to safeguard yourself against any future problems.
For Baby Boomers who are retiring and will lose employer sponsored insurance, they now will need to pay out-of-pocket for dental care or obtain alternative coverage such as through an individual dental insurance or Medicare Advantage plan. According to a recent study prepared for the American Dental Association, two-thirds (66 percent) of adults 65 and over have no dental coverage.
Spirit Dental has no age limits and provide baby boomers with dental plans that are not only affordable, but easy to understand and easy to use. Seniors need dental plans that deal with major services such as crowns, root canals, implants, dentures, and bridges.
It’s Spirit Dental’s mission to offer the perfect plan for everyone looking for dental insurance, no matter what their needs are. You can choose your own dentist, there are no waiting periods, you have guaranteed acceptance, and all implants and major services are covered.
By providing a wide range of affordable plans and benefits, Spirit Dental believes we can help you keep your oral health on track. Young or old, we will provide quality service and affordable plans. Thanks to our dental insurance, large expenses won’t stand between you and good oral health. Coverage is just a click away.
“What is a waiting period and why do I have one on my dental insurance?
“Why isn’t all dental insurance offered with a no waiting period?”
“Why am I still waiting for my insurance to cover my dental procedures?”
Are these questions you are wondering and maybe even confused about? At Spirit Dental, we keep things simple with no surprises. Once you’ve enrolled in a plan, you’re covered by insurance and can make that appointment with your dentist. We have no waiting period. What does this mean and how does this help you?
At Spirit Dental there are no waiting periods for preventive, basic or major services on the Spirit Dental plans. This means that on almost every one of our plans offered you will not be waiting for coverage, as soon as you are effective you are covered. Effective dates are the 1st, 5th, 10th, 15th, 20th and 25th of every month, so you’re maximum wait time is 5 days.
Many dental insurance carriers impose a waiting period on plan coverage. This means that after you’ve enrolled in an insurance plan, you have to wait up to twelve to eighteen months before having any of your major services dental needs are covered. You could still be paying your monthly premiums without the benefit of having your dental costs covered, leaving you to pay 100% out of pocket. The impact on your coverage is clear, a waiting period may leave you without coverage – and when you need it most.
At Spirit Dental, we will help you get coverage, answer all questions, and make sure you aren’t waiting to have any necessary dental procedures completed. This means as soon as your policy is effective you can immediately start making those vital and important dental appointments needed to start bettering yourself and your health! Get your 30 second quote today.
Missing teeth are nothing to smile about. But with dental implants, you can fill those gaps permanently, brighten your smile and boost your confidence. Unlike dentures or removable bridges which may be loose or uncomfortable, dental implants look better, feel better and give you back your biting power. Corn on the cob, anyone?
The Dental Implant Downside
Unfortunately, replacing missing teeth with dental implants isn't always an option. Why?
A basic dental implant typically costs $1,250 to $3,000 -- or as much as $60,000 for a full set of implants on both upper and lower jaws. Clearly, dental implants are a major investment.
Because implants are classified as cosmetic dental procedures, they are often excluded by dental insurance. Other dental insurance plans offer some coverage but require waiting periods of up to five years before implant coverage begins. Other insurance plans exclude implant coverage if it’s linked to a pre-existing condition.
All Spirit Dental Plans Cover Tooth Implants
With Spirit Dental, you don’t have to worry about exclusions buried in the fine print. Our policy is clear: Every Spirit Dental plan covers tooth implants. With Spirit Dental you also have more flexibility, more preventive care and more annual coverage.
Choose your own dentist
No waiting periods
Guaranteed acceptance
Implants and major services covered
3 cleanings per year
$1200, $2500, $3500 annual maximums
More Questions?
Why don’t all dental plans cover implants?
Implants first came into practice in the 1990s, and are still considered a cosmetic solution. Because implants are more expensive than bridges or dentures, dental plans often choose the most affordable fix. If you compare dental insurance companies, you’ll find Spirit Dental among the leaders in implant coverage.
What is reasonable and customary?
The term “reasonable and customary” refers to basic norms regarding procedural costs. While dental procedure costs vary by region, a generally accepted “reasonable and customary” cost helps guide reimbursement. Find out your cost with a simple Spirit Dental 30-second quote.
Are there any waiting periods?
Many dental insurance policies impose a waiting period on certain procedures. With Spirit Dental, there are no waiting periods. Period.
How Can I Save Money on My Kid’s Braces?
Many parents run into serious issues when their kid’s permanent teeth come in. According to Betterhealth, your central incisors or your “two front teeth” begin to arrive at just 6 to 7 years old and your last “adult” teeth or molars come in on average at 13. Most parents are hopeful that their children will never need braces. Some may think, “Since I didn’t need them my children won’t either”. Yet most orthodontists would disagree and estimate that “roughly 45 percent of children need braces to fix functional problems such as a misaligned bite, but up to 75 percent of kids could benefit from them to straighten their teeth” (Health.com). Without dental insurance, the overall cost of braces can be expensive. The cost of hardware and orthodontist treatments will range from $4,000 to $8,000 dollars. In the likely scenario that your child needs braces, what is the best way to save money?
The answer is dental insurance for children. Most insurance companies do not cover orthodontia, so it is important to find one that does. The main issue with orthodontic coverage is that it is not typically provided immediately upon enrollment. By getting your family insured earlier rather than later, you can save big.
An example of a plan that is great for orthodontic savings is the Spirit PPO plan. PPO means that you have a network of dentists who agree to lower their prices for services, making it cheaper for you and your family. Under this plan, aside from getting dental exams and cleanings for free, you will also get Basic, Major, and Ortho Services at least partially covered. Without coverage you might end up having to pay 100 percent out of pocket. Whether your child has to get braces for physical reasons or you want him or her to grow up with a wonderful confident smile, reconsider investing in a family dental PPO insurance plan.
The world of insurance is complicated, sometimes needlessly so. One topic we discuss with clients on a daily basis is networks, or more simply “who accepts this plan?” It’s confusing, so let’s start by explaining what a network, HMO, PPO, and Indemnity plan is.
Network is the easiest of these to understand because it is a word used outside of the insurance industry. In insurance a network is a group of doctors that sign an agreement with that network. Doctors (providers) are then bound to the network, which typically requires them to charge members of that network a reduced rate for their services. In return for lowering their prices, network providers (doctors) can expect to receive more customers. Some dental insurance companies keep premiums down by only offering plans that use a network.
Larger networks typically have smaller discounts, while small networks can offer deeper discounts. This is the primary difference between a PPO (Preferred Provider Organization) and a HMO (Health Maintenance Organization). HMO’s generally have less options because less providers are part of the HMO, but the discounts are deeper. PPO’s generally have more providers in more areas, because more doctors agree to the network’s terms and discounts.
HMO’s tend to have less providers but it can also be the most affordable. This is because HMO’s control all aspects of the healthcare. The downside of HMO’s is choice, as you are strongly encouraged to go to a HMO provider.
For clients who want more choice, an Indemnity plan allows them to see any dentist. The Spirit Indemnity plan will pay any dentist a set amount for each procedure. The payments are based on 90% of Reasonable and Customary in each area, meaning that 9 of 10 dentists charge that amount or less. So the Indemnity plan provides coverage with no networks to worry about. The Spirit Indemnity plan is perfect for people who want the freedom to see any dentist.