Captain Smile

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What You Need to Know About Dental Implants

Anyone who has experienced the loss of a tooth root may qualify for a dental implant. Unlike other tooth parts, the root cannot be replaced with a filling. It is the portion of the tooth that is below the gum and connecting to the jaw. Whether the patient lost the whole tooth at once or has a crowned root that is about to be pulled, dental implants are often the ideal replacement.

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The Importance of Affordable Dental Insurance

While regular health coverage is a topic that is often discussed, dental insurance is not. Some employers are able to provide full coverage that provides employees and their dependents both, but this is not always the case. Those who do not have dental insurance offered to them need to seek services themselves.

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Choosing Your Own Dentist

Most people around the country are unable to select their own dentist . There are a number of factors that come into play and most of them are associated with the financial constraints that are applied. It is virtually impossible to obtain the services of a 'high end' dental team without having to foot a hefty bill which might not be affordable for you at the moment. If that is a situation you have been in, it is time to look at what the real value of dental insurance is with regards to choosing your own dentist.

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$3,500 Maximum Dental Insurance Coverage

Dental insurance coverage comes in many sizes, shapes and prices. Some plans have waiting periods, deductibles and co-payments. Depending upon your dental situation and that of your family, you can choose a plan that fits your situation.

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Children's Dental Coverage And What You Must Know

When it comes down to it, you need to get information on children's dental coverage right away if you have kids. The longer you wait, the more likely you are to run into dental problems that can be expensive to take care of. Learn what to look for here and you'll be able to easily get the needed information.

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Understanding A Senior Dental Insurance Plan

Anybody that wants to make sure that they are able to take advantage of their dental care will need to always have a plan that will cover them. The way to do this is finding an insurance plan that will cover you based upon the needs that you have at this particular juncture of your life. For instance, if you are a senior citizen, you will need to be aware of the fact that you have different dental needs than a person who is younger. There are a lot of things to keep in mind, so make sure that you provide yourself with this help and service by considering some of the following tips.

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Tips For Finding Affordable Dental Plans

Without dental insurance, the cost of even routine dental care is often unaffordable for many people. Finding low-cost dental care is difficult, which is why many people spend years without seeing a dentist. Unfortunately, this can result in many unpleasant and even dangerous health problems.

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The Basics Of Dental Insurance

More than 40 million people in the United States still lack dental insurance {https://www.spiritdental.com/dental-insurance/dental-insurance-options}, and this often means that they do not see a dentist for years at a time. Having insurance is positively correlated with better dental health. If you are fortunate enough to receive dental benefits through your employment, or if you are interested in purchasing an individual policy, you need to understand how this form of insurance works.

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Insurance For Dental Implants

There are several reasons that people lose their teeth which includes injury from accidents and periodontal disease. Today's technology makes it possible to implant "teeth" in place of the lost tooth.

The implant is rooted in a "root" that is usually made of titanium and is placed surgically to support not just one tooth, but it can also be used to anchor several kinds of dental prostheses which would include dentures, crowns, bridges and other devices. Implants also have the benefits of restoring a person's looks and it certainly will not decay and become diseased, as natural teeth can.

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What Are The Benefits Of Dental Health Coverage?

Have you visited the dentist in the last six months? If so, you are not alone. Every month, millions of Americans see the dentist for a cleaning and an examination. Regular dental appointments are vital if you want to have strong, healthy teeth, but unfortunately, there are still many people who do not see a dentist on a regular basis.

While some people put off these appointments because they are afraid of the dentist, or because they just do not see the need, many people do so because of financial concerns. The cost of dental care is the most commonly-cited reason for avoiding the dentist. Since more than 40 million Americans lack any kind of dental health coverage, it is not surprising that so many people neglect their teeth.

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What Are The Advantages Of Choosing Full Coverage Dental Insurance Plans?

Having a comprehensive dental insurance plan means that you do not have to worry about paying full price for any dental procedures that you need. This can help relieve any financial concerns that you might have when you are developing a treatment plan for you or a family member. However, such plans are more expensive, so is the additional expense worth it?

You might think that you just need a basic plan that only covers the minimum. Such plans usually only provide coverage for basic preventative care, such as annual cleanings and examinations. They may also provide some coverage for certain procedures such as fillings or X-rays. Any additional care that you may need will have to be paid for out of your own pocket.

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Understanding Dental Insurance Plans

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?

That's a valid question and only can know the answer. However, many people can't answer that question because they don't know all of the facts. They don't know what plans are commonly available and affordable.

If you're one of those people, then you'll find the following information useful.

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Importance Of Individual Dental Insurance

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.

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Teaching Your Kids to Love Their Teeth

“Families who have dental insurance are more than twice as likely to get preventive services like cleanings, exams and x-rays than those who don’t have dental insurance.”
        -Tom Mayer, Spirit Dental Founder

When is the last time your family had a dental checkup? Are you in need of one ASAP?

Spirit Dental provides families with 3 cleanings and 2 exams covered at 100% on our Gold plans. Getting comprehensive preventive care is the key to preventing more expensive procedures in the future.  It is important for your kids to understand the importance of dental health and know how to take care of their teeth. Some tips we have to get your kids interested in brushing their teeth are:

Let your kids choose their toothpaste and toothbrush - Kids don’t always like the adult toothpastes; they can be too strong for them. Get your kids interested by letting them pick out their own toothpaste. Cartoon characters and flavored toothpastes may seem silly to adults, but keep kids from dreading brushing their teeth.

Kids will also be more excited to brush their teeth if their toothbrush is in the shape of their favorite cartoon character or is their favorite color. Many hit kids movies will make character toothbrushes and toothpastes; nothing will encourage them to brush more than seeing their hero supporting their teeth brushing habits!

Sing the alphabet - We recommend that your kids brush their teeth for approximately two minutes. Have them sing the alphabet or another of their favorite songs as they brush their teeth, or sing it to them as they do. This shows them that there is an end in sight and gives them a fun activity to do in the meantime.

Compliment your kids - This one is extremely important. It is important that you praise your kids and encourage them, especially when they brush correctly, for the full two minutes.

Join in! - Kids are very observant. Brushing your teeth at the same time they do is a good incentive. Many children like to copy what their parents do - it makes them feel more grown-up and responsible. Not to mention it will keep the both of you on a dental health schedule.

With most things in a kid’s life, good habits developed during childhood are more likely to remain while an adult. Start your child’s good dental health habits early; not only will you enjoy fewer visits to the dentist in the long run, but you’ll be promoting healthy habits for your child’s future.

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What’s behind a smile?

For 23 percent of children ages 2 to 11, it’s untreated tooth decay. Dental caries, commonly known as tooth decay, is the most prevalent chronic disease among children and adults despite being largely preventable. The startling reality is that nearly half of all children ages 2 to 5 years old have never visited a dentist and 59 percent of adolescents ages 12 to 19 have dental decay in their permanent teeth, while 12 percent of all adults ages 20 to 64 have neglected to see a dentist within the past five years. Add to these figures the 18 percent of seniors 65 years and older who have tooth decay that is untreated and we can see just how far reaching the scope of this disease truly is.

Poor access to dental care is a nationwide issue estimated to affect nearly 85 million Americans, and despite slowly increasing within the last few years employer covered dental insurance is an unmet necessity for many, as 48 percent of employers do not offer dental insurance options to their employees. While factors such as income, race and education level play heavily into the equation, lack of employer covered dental insurance continues to be a key contributor in decreased access to dental care. Spirit Dental’s mission is to provide dental coverage at industry leading prices, offering exclusive insurance plan options not available through any other company.

Spirit Dental is here to help bridge the gaps standing in the way of healthy, happy smiles. The inspiration of Tom Mayer, founder; “Spirit Dental provides three cleanings covered at 100% on its insurance plans. Other individual dental insurance plans only cover 2 cleanings. Combined with our industry leading $3,500 annual maximum per person per year, Spirit Dental’s benefits really pack a punch!”. With no waiting periods on preventative, basic or major services and guaranteed acceptance with open enrollment, Spirit Dental is truly unparalleled in the dental insurance industry.

Spirit Dental’s Family Dental Insurance plan enables policyholders to select their own dentist, covers implants and major services and allows for an industry high of three cleanings and two exams for each family member per year. Under the Family Dental Insurance plan, policy holders can choose from $1,200, $2,500 or $3,500 maximums. Created with an emphasis on prevention and maintenance, the family dental plan is an excellent option for families currently without dental insurance or who may be searching for a more cost effective family dental plan.

Children’s Dental Coverage plans are available through Spirit Dental with the same great options for dentist selection, no waiting periods, guaranteed acceptance, and three cleanings per year with implant and major service coverage. What makes our children’s plans stand out is our emphasis on preventative programs. we believe that early checkups and educational programs are the key to maintaining your child’s dental health.

Spirit Dental’s Individual Dental Insurance plan offers individual dental care at a range of prices perfect for self employed individuals and those without dental coverage provided through an employer. For pricing and package options, please reference the link above.

Offering comprehensive, affordable Senior Dental Plans with no age limits, Spirit Dental’s Senior Dental insurance plan provides extensive coverage for major services, features high calendar year benefit maximums of $1,200, $2,500, or $3,500, includes three cleanings per year with no waiting periods and guaranteed acceptance, and the option to select your own dentist. For further information regarding the Senior Dental Insurance plan please reference the link above.

Spirit Dental would love to be a part of what makes your smile shine, and with easy to find enrollment information available online, access to affordable dental insurance plans is just a few clicks away. Please visit www.spiritdental.com for open enrollment and quote options, or give us a call at 800-620-5010, we would be happy to assist you!

*References:
http://www.nidcr.nih.gov/DataStatistics/
www.spiritdental.com

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Insurance Options for Everyone

What’s behind a smile? Unfortunately, behind many smiles today lurks untreated tooth decay. Dental caries (or tooth decay) is the most common chronic disease among children and adults- it is also the most preventable. From 2-year-olds to retired seniors, tooth decay affects a large percentage of people across all age groups.

So why is such a preventable problem affecting nearly 100 million Americans? The short answer is a lack of coverage. Despite the slowly increasing level of coverage, 48 percent of employers do not cover dental insurance for their employees. Spirit Dental’s mission is to provide dental coverage at industry leading prices, offering exclusive insurance plan options not available through any other company. Spirit Dental is here to help bridge the gaps standing in the way of healthy, happy smiles. Tom Mayer, the founder of Spirit Dental, gives an idea where the inspiration for Spirit Dental’s stand-out coverage comes from. He says:

“Spirit Dental provides three cleanings covered at 100% on its insurance plans. Other individual dental insurance plans only cover 2 cleanings. Combined with our industry leading $3,500 annual maximum per person per year, Spirit Dental’s benefits really pack a punch!”.

Added to no waiting periods on preventive, basic or major services and guaranteed acceptance with open enrollment, Spirit Dental is truly unparalleled in the dental insurance industry. Each package has distinctive advantages toward your individual needs:

Spirit Dental’s Family Dental Insurance plan enables policyholders to select their own dentist, covers implants and major services and allows for an industry high of three cleanings and two exams for each family member per year. Under the Family Dental Insurance plan, policy holders can choose from $1,200, $2,500 or $3,500 maximums. The family dental plan is an excellent option for families currently without dental insurance or who may be searching for a more cost effective family dental plan.

Children’s Dental Coverage plans are available through Spirit Dental with the same great options as adults. What makes our children’s plans stand out is our emphasis on preventative programs. We believe that early checkups and educational programs are the key to maintaining your child’s dental health.

Single and loving it? Check out our Individual Dental Insurance plans at a range of prices perfect for self-employed individuals and those without dental coverage through an employer. Singular dental insurance can be the most difficult to obtain (and most expensive), and we want to make sure you are covered without breaking the bank.

For our senior and retired citizens, we have comprehensive and affordable Senior Dental Plans without age limits. We offer the same extensive coverage for seniors that we offer for adults, with all the options and opportunities included. After all, age is just a number, and when it comes to your dental health insurance, it’s an unimportant number.

Spirit Dental would love to be a part of what makes your smile shine, and with easy to find enrollment information available online, access to affordable dental insurance plans is just a few clicks away. Please visit www.spiritdental.com for open enrollment and quote options, or give us a call at 800-620-5010, we would be happy to assist you!

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Spirit for Seniors

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.

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The Wait is Over

“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.

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The Spirit of Innovation: Superior Dental Insurance Products for the 21st Century

Whether you’re searching for dental insurance for yourself, your children, or your aging parent, you’ve probably already made at least one unfortunate discovery:  shopping for plans can be confusing, overwhelming and downright frustrating.  Worse, unless you started your search here, at Spirit Dental, you probably got the impression (from our larger competitors) that dental insurance is expensive, never provides more than $1,000 or $1,500 per year in coverage, has required waiting periods, provides extremely limited coverage, and excludes some procedures altogether.  It’s hard to justify the costs of premiums when the major procedure you need is excluded – or exceeds your annual max.

“It’s as if the large insurance companies think you don’t know how to do basic math,” says Tom Mayer, founder and CEO of Spirit Dental.  “At Spirit Dental, we know our customers can do math.  They’ve got their own calculators.  They know how the dollars add up.”

Mayer, the outspoken critic of traditional dental insurance plans, says Spirit Dental’s products were designed to meet the needs of the 21st century consumer.  The key, he says, was creating a level of flexibility between plans to allow anyone to find a plan that’s best for them.  There are key differences between the Spirit Dental plans.  Some offer a $3,500 annual maximum while others have lower premiums with lower annual maximums.  But no matter which product you choose, Mayer says, Spirit Dental promises a superior insurance product to protect your oral health, your overall physical health, and your finances.   Key features of all Spirit Plans include:

  • 3 Cleanings per year – Driven by the belief that excellent physical health is closely linked to healthy teeth and gums, all Spirit Dental plans cover 3 cleanings per year.
  • Implant coverage is available with no waiting – Many traditional dental insurance carriers refuse to cover implants by categorizing them as “cosmetic.” Still others claim to cover them – but then impose waiting periods of up to five years. Ask a licensed insurance agent about limitations and exclusions for any plans that you consider.
  • No waiting periods for anything – Your coverage begins immediately upon effective date and with 6 enrollment periods per month, you never have more than 5 days to wait before your enrollment is complete.
  • $1,200, $2,500 or $3,500 annual maximums – Choose a plan that best fits your budget based on your estimated annual dental expenses.
  • $100 Lifetime Deductible – Some insurance companies make you meet an annual deductible before they start paying for your dental expenses.  At Spirit Dental, you can pay a one time, lifetime $100 deductible. 
  • Indemnity or PPO – It’s your choice!  If you have a dentist you love, enter their name in our preferred provider search to see if they’re a member of our network.  If they are, great!  If they’re not, you can keep them and choose one of our indemnity plans.  Or, you can select a dentist from our network of preferred providers and enroll in one of our PPO (Preferred Provider Organization) plans.
  • Guaranteed Acceptance – You simply select the plan that’s right for you.  No proof of health.  No exclusions.

See for yourself how much better dental insurance can be! 

Tom Mayer invites you to compare Spirit Dental to anyone else in the industry by taking our 30 Second Challenge. “I guarantee you,” says Mayer, “you’ll see the differences.”  After reviewing the results, simply choose the next step that’s best for you.  “We believe we have a products will fit any customer’s needs and I would love to see everyone sign up with Spirit Dental.  But my goal is to see dental insurance improved for everyone in America.  So I would be just as happy if people went back to their giant insurance companies and asked them why they won’t provide $3,500 annual maximums, no waiting periods, and coverage of major procedures,” says Mayer.

To learn more about Spirit Dental and Tom Mayer, please visit us at www.spiritdental.com.  Click here to get your Spirit Dental 30 Second Quote.

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Meet Tom Mayer - The Fascinating and Slightly Unorthodox Leader of Spirit Dental

Ask Tom Mayer for his actual job title and you’re likely to hear one of several monikers.  “I prefer Rainmaker,” is one of his favorite answers.  He prefers it so much, in fact, that he’s been using it on his business cards and website.  “Saying CEO or Founder is so boring,” claims Mayer.  “What do words like that tell you about someone’s responsibilities within their company?”

Rainmaker seems a fitting description for the man at the helm of Spirit Dental and its parent company, Direct Benefits. His track record for business savvy and chutzpah dates back to his childhood. (A “kid-for-rent” lawn service, started by Mayer at age 11, proved to be the springboard for a succession of highly profitable enterprises that Mayer has successfully launched, grown and sold over the years.)  Indeed, Mayer’s story reads more like a classic tale of a self-made, American entrepreneur than a resume.   The son of an elementary school janitor and a very artistic mother, Mayer credits his father for his work ethic and his mother for the ingenuity that has driven Spirit Dental’s innovative product design.   “But it was really my dad’s experience with inadequate dental insurance – and the financial hardship that created for our family – that drove me to start Spirit Dental,” says Mayer.  As a school employee, Mayer’s father had one of the best plans in the industry.   But his diabetes caused lifelong dental issues.  Often, his yearly $1,000 maximum was gone by February.   “That’s when I was a kid,” says Mayer.  “You know the worst part of that story?  The worst part is that a $1,000 maximum was still considered the gold standard until about 2001.” 

That’s when Mayer founded Spirit Dental.

According to Mayer, the dental insurance industry has been dominated by a handful of behemoth providers for decades.  As a result, he says, the American public has come to believe that all dental insurance is expensive, difficult to acquire, and rarely sufficient to cover major procedures.   “We rejected that thinking,” says Mayer.  “And we began designing our products from the consumer’s point of view.” 

Today, Spirit Dental offers a range of products to families and individuals, including retirees, that Mayer says are superior to anything else on the market.  But, he is quick to add, creating better products was the easy part.  Changing Americans’ beliefs about dental insurance has proven to be the challenge.

“When people start looking for dental insurance, they look at the same old companies that have been doing this for decades,” says Mayer.  “And they see pricing and coverage limits that make them think they can’t afford to protect their oral health.”  As a result, says Mayer, people have begun seeing dental insurance as a luxury.  It’s a view that Mayer sees as potentially life threatening. “Studies have shown correlations between gum disease and heart disease, diabetes, and other serious illnesses,” says Mayer.  “Just a simple, routine dental check up can uncover up to 120 illnesses early enough for them to be treatable.  But every year, increasing numbers of people choose to skip their visits to the dentist because of the cost.  That’s pretty scary when you realize that 75% of American adults have some form of periodontal disease and don't even know it.”  Perhaps even scarier is the fact that more than one fifth of all American adults and 15.6% of American children (ages 6-19) have untreated cavities, placing them at risk for potentially fatal infections.

Those are the reasons that Spirit Dental exists, says Mayer. “We’ve set big goals for this company, but making a whole lot more money isn’t one of them,” he says.  “Our goal is to start a revolution within the dental insurance industry.”  With that, Mayer reiterates his open invitation to American consumers, whether they currently have dental insurance or not:  “Take 30 seconds out of your day.  Get dental insurance quotes from Spirit Dental, along with our (much larger) competitors. I guarantee you, you’ll see the differences.”  After that, says Mayer, consumers can choose their next step.  “We would love to see everyone sign up with Spirit Dental.  But we would be just as happy if they went back to their giant insurance companies and asked them why they won’t provide $3,500 annual maximums, no waiting periods, and coverage of major procedures,” says Mayer.

Mayer, a self-described “very private person,” says calling himself the Rainmaker means being willing to go to whatever lengths necessary to achieve the company’s goals.  “So, if I have to dress up like the Tooth Fairy and ride around town, on my motorcycle, inviting people to take the 30 second challenge, that’s what I’ll do.”

To learn more about Spirit Dental and Tom Mayer, please visit us at www.spiritdental.com.  Click here to get your Spirit Dental 30 Second Quote.
(To see Tom Mayer as the Tooth Fairy, click here.)

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