Medical insurance has a reputation for being overly complicated. Depending on the type of services, you might have to pay out-of-pocket until your deductible has been met. And, since we're all trying to avoid a catastrophic injury, that would meet said deductible, we rarely see providers paying out.
With Spirit Dental Insurance or with other insurances, you will still have a deductible that will vary by provider, but the real catch is knowing in advance what your calendar year annual maximum coverage amount will be. Most insurance providers put a cap on the calendar year at $1,000 to $1,500, which might not be enough to fully protect you and your loved ones.
How It Works:
Spirit Dental plans offer a $5,000 calendar year maximum. With this higher maximum coverage, you can rest easy getting the procedures you need without worrying too much.
Once the cost of your dental care exceeds the yearly maximum, you either pay out-of-pocket again or postpone some services until the next annual calendar year. We’re sure you now see the benefit that Spirit provides. Whether you’re an individual, couple, or family, you don’t need to settle for minimum coverage. Feel secure knowing you’re covered when you need it most.
Additional Spirit Benefits:
Contact us for more information and get the insurance you need today to maximize tomorrow's smile.
*The $5,000 annual maximum plan(s) may not be available in all states.
**Coverage varies by plan.
***The National Association of Dental Plans (napd.org) indicates most Dental Network and Indemnity plans have a maximum annual benefit of $1,000 to $1500.