Spirit Dental – Indivdiual Dental Plans

Dental Plans

Our Rating:

If you’re looking for a dental PPO plan where you can see any dentist you choose, provides coverage for preventive care such as cleanings and X-rays, covers crowns, bridges, and fillings, and has not waiting period, the Spirit Dental Plan is for you. Plus, there are no copayments for office visits.

Spirit Dental Plan Highlights include:

  • Freedom to Choose Any Dentist
  • No Waiting Periods
  • Guaranteed Acceptance
  • Implants and Major Services Covered
  • 3 Cleanings Per Year
  • Choose From $1,200, $2,500 or $3,500 Annual Maximums

Plan Features

Plan features include:

  • No copayments for office visits
  • One Preventive Care Deductible per Lifetime: $50 for an individual, $100 for a two person plan, $150 for a family per lifetime
  • $50 combined Basic/Major Annual Deductible for an individual, $100 for a two person plan, $150 for a family
  • No waiting period for preventive, basic, or major services
  • Basic and Major Service Benefits increase in year 2 and year 3 of the policy, Preventive Care is always covered at 100%
  • 3 Cleanings Per Year
  • Choose From $1,200, $2,500 or $3,500 Annual Maximums
  • Guaranteed Acceptance
  • No exclusions for pre-existing conditions

Benefit Summary

Plan Feature Year 1 Benefit Year 2 Benefit Year 3 Benefit
Preventive Care Deductible $50 individual / $150 family per lifetime
Basic/Major Care Deductible $50 individual / $150 family per year
Annual Maximum Benefit Choice of $1200, $2,500, or $3,500 per person
Preventive Care – No waiting period

  • 2 Oral exams per calendar year
  • 3 cleanings per calendar year
 100% 100% 100%
Basic Services – no waiting period

  • X-rays – 1 series of bitewing x-rays per year
  • Sealants
  • Topical flouride treatment
  • Space Maintainers
 70% after deductible 80% after deductible 90% after deductible
Major Services – no waiting period

  • Endodontics (root canals)
  • Periodontics (gum disease)
  • Fillings
  • Crowns
  • Extractions and root removal
  • Inlays and Onlays
  • Bridgework
  • Dentures
  • Denture Relines/Rebases
  • Oral Surgery
  • Implants
 10% after deductible 50% after deductible 50% after deductible

Sprit Dental Networks

You can use your Spirit Indemnity plan at any dentist but you can save extra money by participating in one of the PPO Network dental plans below that may be available in your area.

Premier Dental Group PPO

The Premier Dental Group (PDG) was formed in 1991 to bring additional freedom of choice to preferred provider dental networks. Our dental networks help bring regular dental care to hundreds of thousands of people. We currently represent over 20 different insurance payors who bring over 350,000 patients to our member dentists. We are one of the largest dental networks in the Midwest. We are committed to providing superior service to our member dentists, patient members and insurance payors. Our phones are answered by knowledgeable staff instead of voice mail, and our website is designed to answer your questions and help patients find their local dental office.

Click here to access the DHA-Premier PPO to find participating dentists in your area.

Careington PPO

Careington is a premier marketer of dental, medical, health and lifestyle discount plans, as well as insurance plans through its affiliate Careington Benefit Solutions, that help members save money on health care and other services. The Careington Dental Network is one of the fastest growing independently owned dental networks nationwide. Designed by two dentists, the Careington Dental Network provides patients with affordable dental care – without interfering with the dentist-patient relationship. More than 65,000 general dentists and specialists offer Careington’s discount fee-for-service (POS) and PPO plans nationwide.

Click here to access the Careington PPO to find participating dentists in your area.

Effective Dates

Regardless of when an application is received, the policy will have an effective date of the 1st of the following month. Enrollments received after the 1st of the month will have a policy effective date of the 1st of the following month.

Can I terminate my coverage at any time?

There are no contracts and if you wish to cancel your plan, coverage terminates on the earliest of the following dates: the last day of the month in which You cease to be eligible for coverage; the last day of the month in which Your dependent is no longer a dependent, as defined; subject to the Grace Period, the last day of the month for which a premium has been paid by You or on your behalf; or the date the policy ends.

Payment Options

Payment options include monthly and annual bank draft or monthly and annual credit card payments (Visa and Mastercard).

After Enrollment

After enrollment, members will receive an ID card via email and a welcome packet and ID cards 7-10 days after the application is received and enrollment is processed, and should bring their ID cards with them when visiting the dentist. Members should inform their provider of their plan when scheduling their appointment to avoid any issues at the time of service.