Spirit Dental Review

BySarah BadaniMar. 28, 2019

In a Nutshell

Spirit Dental is a comprehensive dental insurance policy provider that has plans catering to individuals, seniors, and families alike. With an A+ BBB accreditation, 100,000+ enrollees, and extensive coverage that includes everything from preventative care to major dental treatments, such as root canals, bridges, and dentures, Spirit Dental offers excellent service that is straightforward, exhaustive, and flexible all at the same time.

pros

  • Guaranteed acceptance without a waiting period
  • In and out of network plans

cons

  • Can be expensive if you just need regular dental care
  • Plans are somewhat complicated for the newly initiated seeker

Spirit Dental Spirit Dental Visit Site

Best for?

Individuals, seniors, and families looking for comprehensive and simple dental insurance coverage

Top Features

Regardless of the plan you choose, Spirit Dental offers several benefits that everyone can enjoy. 

For one thing, you can choose between plans that are in or out of network. This means that if you have a dentist that you love that doesn’t accept Spirit Dental, you can use them anyway and your dental insurance plan will cover your treatments. This is a huge benefit for anyone who is already settled in with a specific dentist or dental clinic.

One of the biggest benefits of Spirit Dental dental plans is the no-wait policy. Unlike with most dental insurance providers, you won’t have to wait 6 months to a year for treatment. There is no waiting for the basic treatments, preventative visits, and major dental procedures. Your coverage starts as soon as the plan becomes active. What’s more, the limits on Spirit Dental dental plans are generally higher than you’ll find with most of the competitors. For example, most dental insurance providers cap their yearly coverage at between $1,000-$3,000. Spirit Dental, on the other hand, offers you up to $5,000 in coverage every single year. That’s a lot of dental treatment covered.

Here are some of the top benefits of going with Spirit Dental:

  • No waiting period on most dental treatments
  • Implants and other major services covered
  • Guaranteed acceptance
  • Choose your own dentist
  • Three cleanings per year
  • Online dental provider locator tool
  • In network and out of network plan options

Who is Eligible?

In terms of eligibility, this is another fabulous advantage to Spirit Dental dental plans. Most dental insurance providers have a long list of eligibility requirements. Spirit Dental has no such complications. In fact, the service guarantees eligibility for its policies no matter how old you are and what your dental or medical history is like.

One thing to take note of is that you must be 18 years or older to be the primary policyholder. However, anyone can be put under your policy from there. Additionally, there is no upper age limit for any of these policies.

What it Covers

What dental treatments are covered will vary depending on which plan you choose, but Spirit Dental plans cover the following treatments:

  • Basic treatments
  • Preventative treatments
  • Root canals
  • Dentures
  • Bridges
  • Implants
  • Child orthodontics
  • Basic fillings
  • Prosthetic services
  • Restoration services including inlays, onlays, and crowns
  • Periodontic services
  • Endodontic treatment
  • Oral surgery
  • X-rays including panoramic, full, or bitewing
  • Extractions 
  • Space maintainers
  • Sealants 
  • Topical fluoride treatments

What’s even more interesting is the layout of the plans being offered. Spirit Dental provides graduating benefits with each year you have a policy. Here’s a 3-year policy example to show you how this looks:


Preventive
Basic
Major
Ortho
Year 1
100%
50%
50%
0%
Year 2
100%
80%
50%
50%
Year 3
100%
80%
50%
50%

So, you can see that as the years progress, you get more and more coverage, making it more cost-efficient to opt for a longer plan.

Why it’s Good for Families

Spirit Dental is an excellent choice for most families because, frankly, kids are expensive to maintain. Spirit Dental plans make it affordable to care for your children’s teeth. Depending on the plan, you can get deep savings on things like children’s orthodontics, topical fluoride treatment, and space maintainers.

Why it’s Good for Students and Seniors

Spirit definitely brands itself as the senior and student option for dental (and vision) coverage. Just looking at the website makes this abundantly clear. Beyond the image though, Spirit Dental has several policies that make it clear who they want to please.

For one thing, major services are covered upon enrollment. That means no waiting time to get the coverage you need for something as complex as an implant. For seniors, this is a really important feature because any type of medical treatment needs to be dealt with immediately as you age or you risk letting it develop into something more severe.

Spirit Dental also covers dentures, bridges, root canals, making it the best solution for the elderly’s aging mouths. Finally, seniors will appreciate that there is no upper age limitation for Spirit Dental policies. So, whether you’re 65 or 105, you can get coverage.

Meanwhile, students will appreciate that they can be covered under their parents’ dental plan until they are 26 years old. At that point, you’d better get your own plan.

Which Areas is it Available in?

Spirit Dental is available in all states except Washington. That’s a tremendous advantage over other dental insurance providers that are limited to a handful of locations.

Policy Types and Prices

Spirit Dental has a lot to offer individuals, families, and even seniors looking for dental coverage. The plans range in coverage, monthly premium, and additional benefits, and your best bet would be to sit with a representative to find the most suitable option for your situation. The price of your monthly premium will vary depending on a few factors including:

  • Where you live
  • Which type of coverage you opt for
  • What type of plan you choose
  • Whether or not you include vision care in your insurance plan

Here is a basic breakdown of the benefits and parameters:

Price
Varies based on plan
Deductible
$100 lifetime
Maximum Coverage
Up to $5,000 annually
Special Perks
3 cleanings and 2 exams covered 100% each year

Additionally, Spirit Dental offers a 30-day satisfaction guarantee. This means that you have 30 days to cancel your plan (once it’s been activated) if you are unhappy with the service for any reason. All premiums paid will be refunded, minus any claims that were already covered.

Application Process

Signup is a quick and easy process with Spirit Dental. You fill out the relevant details with an online application form. Once you've chosen a policy, Spirit Dental offers you 4 options for activation dates. You can choose the activation date option that works best for you and your situation. Your official policy will arrive within 10 business days after signing up. Understand though that you do not have to wait for your policy to arrive to start using it. Whichever activation date you've chosen is the date your coverage begins.

Spirit Dental Spirit Dental Visit Site

Customer Service

Spirit Dental has customer service via their hotline at 1-888-TEETH-40. You can also shoot them an email online if that’s more your style. What’s even more encouraging is that Spirit Dental has live chat available. A friendly support agent is just a chat box away.

Bottom Line

Spirit Dental has a huge range of dental insurance plans meant to fit every situation and budget. It also includes several benefits that many other insurance providers don’t. In fact, the high limitations, no waiting period, and ability to have multiple cleanings throughout the year make it one of the more flexible dental programs out there.

Spirit Dental has a $5,000 annual cap, that is higher than most competitors, live chat availability, and the choice to see dentists both within or outside of the network. All of these factors combine to create a winning dental insurance plan provider.

Spirit Dental