The Spirit Dental Blog | Stay In The Know

What Is Indemnity Dental Insurance And How Does It Work?

When you are in the market for dental insurance, it is easy to become overwhelmed by the different choices that are available. However, there are a few simple concepts that make this process a lot easier to understand. Keeping these in mind will help you find an affordable policy for your or your family.

There are two main types of dental insurance: managed care and fee-for-service. Indemnity dental insurance is a type of fee-for-service plan that lets you see any dentist you wish. However, your insurance company only pays for care after you submit a claim.

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What Is Spirit Dental?

With the costs of dental care skyrocketing, many are turning to groups such as Spirit Dental to cover their dental needs. Spirit offers patients the opportunity to see any dentist they wish to see without having to find a dentist in the 'coverage network'. This presents a huge freedom for all patients in dental care.

Spirit covers all the typical dental care services such as annual and bi annual exams, annual and bi annual cleanings, all fillings and extractions as well as required bridges, dentures, implants and crowns.

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Want Your Child To Smile More? Enroll In Spirit Network Dental Care

he National Institute Of Dental And Craniofacial Research (NIDCR) states that 42% of children aged 2 to 11 have cavities in their primary teeth. That is close to 1 in 2 children! Dental care is not cheap, but one way that you can make sure that your children's cavities are treated is to enrol in the Spirit Network Dental Care program.

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Understanding Dental Insurance

There are many important details to understanding dental insurance. To begin with, this insurance plan will run very similar to your medical insurance plan. You'll pay a premium each month and be required to pay a co pay at each visit.

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Tips For Finding Affordable Dental Insurance

If you want to avoid fillings, root canals, and implants, you need to take care of your teeth. Unlike sharks, people cannot just grow a new tooth when one goes bad. While brushing and flossing are key, you also need to see a good dentist regularly for cleanings and X-rays.

Unfortunately, many people avoid going to the dentist due to the cost of care. While dental insurance can help, finding affordable dental insurance is often difficult. Fortunately, there are plans out there that can help pay for the cost of any needed dental work.

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The Ramifications of Indemnity Dental Insurance

In many cases, indemnity dental insurance is called traditional dental insurance because with this manner of dental coverage you can visit any dentist that you want without having to be limited to a network or a grouping of providers who are "pre-approved" in order for you to use them.

There will usually be a deductible that the patient will have to pay up front for this type of dental insurance, but after that the the dental insurance will cover a portion of the dental costs that are deemed to be "reasonable and customary." Reasonable and customary simply means that these are the usual dental costs that apply to the particular area in which an individual lives.

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Quality Dental Insurance No Waiting Periods Allowed

Dental insurance with waiting periods are challenging and can irk patients looking to receive appropriate care as soon as possible. With dental insurances looking to squeeze the client's patience by implementing these waiting periods, it can lead to increased frustration with no solution in sight. With dental insurance no waiting periods being the norm is essential. It is the only way forward and that is what you will get with the best dental insurance plan on the market. There are many benefits of moving away from these waiting periods that can be restrictive and annoying.

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Is A $3500 Max Coverage A Good Deal For Dental Insurance?

When you are shopping for dental insurance, a frequent source of confusion is the annual maximum. This figure means something different with dental insurance as compared to traditional health insurance. You need to be aware of the difference so that you are not surprised when you get your bill.

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Quality Dental Insurance No Waiting Periods Allowed

Dental insurance with waiting periods are challenging and can irk patients looking to receive appropriate care as soon as possible. With dental insurances looking to squeeze the client's patience by implementing these waiting periods, it can lead to increased frustration with no solution in sight.

Simple Access

How are waiting periods beneficial? It all comes down to access to the treatment you require moving forward. When you don't receive the requisite treatment, it has more to do with the waiting periods put in place. Dental concerns can creep up at any point in time and being restricted by waiting periods is simply unacceptable and you should never settle for this.

Simple access is the way to go and why the best insurance agencies are imperative for your health.

Immediate

To better understand why no waiting periods are beneficial, it is important to understand how restrictive they can truly be. Waiting periods are often put in place so the client does not make a claim immediately after signing up. With no waiting periods, a client can make a claim as soon as they have gone through an assessment beforehand. This makes it easier to be relatively safe as a patient in case something happens as soon as you sign up. Wouldn't you rather be safe than have issues dealing with the insurance agency about semantics?

Proven

When going with an insurance agency, make sure to go with a proven name like Spirit Dental. This is what you get when going with an agency that does not believe in waiting periods that restrict its clients right from the get go.

Comprehensive

With dental insurance, no waiting periods being imperative, the reason for this being possible has a lot to do with the comprehensive nature of the plans in place. When the plan is not comprehensive nor as customized as it should be, it leads to significant loss for the client as a patient. If these are issues you would like to avoid, it is imperative to go with a proven agency that will go the extra mile to satisfy.

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Reasons Why Spirit Dental Is Right For You

You Recognize The Importance of Dental Care

The first reason why Spirit Dental is right for you is because you recognize the importance of dental care and Spirit Dental puts dental health above everything else. By signing up to a plan with Spirit, you have the piece of mind knowing they have your best interest in mind.

A Large Variety of Dental Plans

The second reason why Spirit Network Dental Care is right for everyone is because of the variety of plans that they have. They understand that everyone's situation isn't the same and it is obvious that different plans are needed for singles, couples, families and different incomes. With Spirit Network they work hard to offer plans that can fit any budget or situation. Dental health is too importance to be kept away from people who seriously need it and in all truthfulness, everyone needs dental care.

No Waiting Periods

When you need dental care, you need it now. Spirit recognizes this and their dental programs do not have any waiting period {https://spiritdental.com/dental-insurance/spirit-dental-advantages/no-waiting-periods}. You simply sign up and you are ready to go. Some plans have mandatory waiting periods and some even only allow people to sign up at specific times which they call and enrollment period. With Spirit they try to remove as much red tape as possible and quickly enroll people so that they can quickly begin to receive the benefits of their new dental plan.

Preventative Insurance

Sprint offers plans that gives access to preventative care, meaning annual cleanings and examinations. Unlike most insurance companies that only cover two cleanings per year, Spirit plans cover up to three cleanings per year {https://spiritdental.com/3-cleanings-per-year}. An ounce of prevention is worth a pound of gold. When it comes to health, any form of health, prevention is the key. Many issues are able to be treated and solved when they are diagnosed earlier enough and that is where preventative insurance comes into play because it allows for checkups and cleanings.

As you can see, there are many reasons why a person should consider Spirit for their dental coverage carrier. Hopefully you will sign up as soon as possible and take advantage of the benefits that this program has to offer.

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Preventative Dental Care for the Whole Family

Whether you are single or the head of household for a large family, preventative dental care is essential to good health. By finding a good dental health professional team, you can keep your mouth looking and feeling great.

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Making The Case For Dental Implants: A Win-Win Situation

If you've been considering dental implants or had them recommended to you by a professional, you no doubt have questions. Here are the most important details, to assist you in making your decision.

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Dental Insurance No Waiting Periods Advice For Those In Need

It's tough to get help with dental insurance no waiting periods information if you haven't worked with this kind of issue before. Generally there are companies that make you wait for approval, but if you're in need now you need another option. Dental issues can happen at any time, or you may have lost coverage and need help now.

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An Amazing $3500 Max Coverage For Dental

What About My Teeth?

If you have been paying attention the various wars that have gone on in politics about health care, you probably have noticed that there is little talk about dental care. It is such as shame that more people, even our elected leaders, do not care more about dental care. We often wonder why there is so much ignorance on this topic because dental health is just as important as any other form of health care and it is rarely covered by most plans. This article is about a dental plan that provides one of the largest amount in coverage, $3500 Max Coverage.

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Affordable Dental Insurance Plans And What You Need To Get Them

There are many affordable dental insurance plans that you can use to help lower your out of pocket costs. The main thing to remember is that there are many different plans and that's why you have to do your research. To deal with the confusing options it will benefit you to read these pieces of advice.

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Dental Implants

Dental implants are more common these days and most people are choosing to get dental implants. They are especially helpful to people who have lost their teeth as a result of an injury or an illness and have got artificial replacement teeth. Dental implants are roots that are placed in the jaw to hold a replacement tooth in place.

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Dental Insurance

For anyone who has ever had a tooth problem, it can end up being very painful and expensive. There some people who might view dental insurance as an extra expense for something that you don’t need, but good dental health essential for both your death and overall health.

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Understanding Dental Insurance With Its Benefits

Are you experiencing problems with your teeth every now and then? If yes, then you must have created a budget for your dental problems. We understand how significant it is for your teeth to remain strong and experience fewer problems. But instead of spending huge chunks of money on dental problems, why not take up a dental insurance? But first, understand the dental insurance playing field.

What Is Dental Insurance?


Dental problems range from tooth breakage in the course of accidents or you tripping or falling and cracks. Dental insurance covers teeth problems. Apart from the major tooth problems, your dental insurance will cover cleaning and crown filling teeth costs. With dental insurance, you are guaranteed of getting your teeth cared off without out-of-pocket payment.

Who Can Take A Dental Insurance?

Dental insurance is an insurance policy that is recommended if you often visit your dentists. It will help to cut down the costs. With dental insurance you can attend your checkups at anytime. This helps you work on your general teeth hygiene while preventing future problems.

Dental Insurance Plans

Before buying an insurance plan, you must understand what you are going for, and what is in for you. Dental insurance is one among the many policies offered by insurance companies and depending on the company you approach, dental coverage might be separate or combined with health insurance. In most cases, dental insurance plans are offered separately. Once registered, you are obliged to pay annual or monthly premiums to qualify for cover.

Since dental problems are not predictable, plans depend on the premiums one pays. There are two types: major and basic premiums. When you go for a minor premium package, your dental costs are covered up to 70 %. All you need to do is foot 30% of your bills. For the major premium package, you will cater for 50% of the total dental costs you incur.

When registered for dental insurance cover, there are lots of benefits in for you. First off, many of your costs are managed accordingly.Spirit Dental insurance benefit can cover up to $3500 annually. You are free to use up your benefits during the year. Your yearly maximums will be paid for by your insurer. However, if your dental costs are more than your yearly benefit, you will have to pay the extra amount.

3 Types Of Dental Coverage


ï Preventive Dental Care which entails cleaning of the teeth, whitening among other dental cares.
ï Restorative dental care which is mainly focused on crown filling
ï Major dental care  focuses on serious teeth problems such as root canals, crowns, and bridges.

With the 3 guarantees stipulated above, you are sure that your budget is well managed and planned for. Dental insurance benefits are also extended by certain employers. If this is your case, then you have a good bet. You do not need to directly pay deductibles for you to begin enjoying low-cost dental care.

If you are looking for a dental policy cover ensures you go for the best. Consider factors such as maximum benefits, deductibles and discount plans.

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The Availability of Children's Dental Coverage

The importance of children's dental health cannot be underestimated. It is important that children have regular dental checkups at scheduled intervals to be sure that the child's teeth are growing in properly and that they are well taken care of and cleaned.

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Viable Options For Affordable Dental Insurance

According to a study that was carried out by the Pew Center in the USA, Americans have been spending at least $106 billion annually on dental health since 2010. With the rate at which dental problems and thus need for dentists rises, the CDC report shows that out of the 173 million private insured Americans who are under age 65, 73 percent have some kind of health insurance, leaving more than 45 million within this group without dental coverage. In total, more than 108 million children and adults live without dental health insurance.

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