Is there any age limit?

You must be 18 years of age to be the primary policy holder. Your spouse/domestic partner and unmarried children up to age 26 are also eligible. There is no upper age limit for our policies.

When will I get my ID card?

It takes 3 to 5 days to process an electronic application. If you elected to have your ID card emailed to you, it will be sent as soon as it is processed. If you elected to have your ID cards mailed, please allow an additional 4 or 5 business days.

How long will the enrollment process take?

Signing up online takes only a few minutes.

When can I start using my plan?

You can start using your plan on your plan on the effective date of your policy.

How much does this dental insurance plan cost per month?

The monthly premium of your dental policy is based on the following factors:

How do I pay for my dental insurance?

You may choose to have your premium deducted from your checking or savings account (ACH) or with credit card. (Visa, MasterCard, or Discover)

Payment Information:
1. Initial premium will be withdrawn within 3 business days of your policies effective date, subsequent premiums are due on the day of the month in which the policy was effective.
2. Plan includes a one-time non-refundable enrollment fee of $25. This charge will be made at the time of purchase and may appear as a separate transaction from your insurance.

How often will my premium change?

Initial rates are guaranteed for 12 months and can change with 30 days notice after that.

What will I receive after enrollment?

An ID card and Policy Certificate of Coverage.

I have more dependents than the form allows me to enter?

Please contact our office by calling 1-800-620-5010 or e-mail carrissa@directbenefits.com for instructions.

What does no waiting periods mean?

This means you have coverage beginning on first day your policy takes effect. The amount of coverage (usually a percentage) is typically lower in the first year however increases after you’ve had the coverage for a year.

What does calendar year maximum mean?

The annual maximum benefit amount is the dollar amount the insurance company will pay in a calendar year per person.

What are the deductible and copays of these plans?

The Spirit individual dental plans do not have co-pays.

The Deductible is shown in the Coverage Schedule. The Deductible is the amount you must pay before any benefits will be paid by the insurance company for covered services you incur.

If I elect to add the Spirit Vision Plan how do I find a participating vision provider?

Click here to look up participating Spirit EyeMed vision care providers in the Access Vision Network. 
Some areas (states) do not participate in the EyeMed plan. In these areas Spirit offers an Indemnity Vision plan that allows you to choose any vision provider you wish.

Does my dentist take this plan?

Careington (Maximum Care) network includes the Careington networks AND the Dentemax network (DTMX).  You can find a list of PPO/Network dentists in your area by visiting the Careington (link http://www.careington.com/co/slica/).  The Choose-any-dentist plan is a policy that allows you to visit any dentist you choose and you are reimbursed for covered expenses.

What does Network mean?

PPO means Preferred Provider Organization. It can also be referred to as a Network, a Cost-Savings Plan or a Panel Plan. 
Regardless of what it may be referred to as, a Network plan means that your dentist has elected to participate within the company’s network of dentists.  It also means that he/she has agreed to accept reimbursement per a schedule set by the company as well as provide you with discounts on certain services.

Why would I choose a Network dental plan?

Choosing a network plan and dentist means you will likely have a lower monthly premium to pay as well as save on dental services. 

Click here to view an in depth cost comparison between services rendered at network and not network dentists.

What does choose any dentist mean?

It means that if you choose the Spirit indemnity dental insurance plan you can keep your own dentist or choose any dentist you wish. If you choose a Spirit network dental insurance plan you will be able to choose any dentist that you wish that participates in the network.

What is an Indemnity Dental Insurance plan?

An indemnity dental insurance plan is often called a traditional dental plan. With this type of plan you may choose to visit any dentist. You do not need to select your dentist from a list of network providers to qualify for benefits and coverage.

What does reasonable and customary mean?

It means the usual, customary and regular charges for the area where such expenses are incurred.

For Example 90% of Usual and Customary means that 90% of dentists in your area will charge the same or less, only 10% of dentists will charge more

What is the 30-day customer satisfaction guarantee?

All Spirit Individual Dental and Vision plans come with our 30-day Customer Satisfaction Guarantee. You have 30 days after your plan becomes effective to cancel if you are not satisfied for any reason. Any premium paid will be fully refunded provided no covered services have been rendered. If services have been provided, you may still cancel your policy, however the premium refund will be minus any claim dollars paid.

When can I cancel my dental insurance policy? Are there any long term contracts?

You can cancel at any time. Your coverage will terminate on the last day of the month.

ALREADY A MEMBER?  For benefit verification, billing claims, new cards, changes etc.
If you policy starts with a 9  For plans sold after 4.1.14,

Change requests, billing, claim payments  are administered by:

Security Life Insurance Company of America
PO Box 10095
Lancaster, PA 17605
Phone: 866-619-6095
Fax: 717-481-7175 (Changes, Terms and Adds)
Email: spiritadmin@securitylife.com


If your policy starts with a letter, for plan sold before 4.1.14

Change requests, billing, claim payments are administered by:

Meritain Health
PO Box 27810
Minneapolis, MN 55427-0810
Phone Number – (952)541-0444; (800)765-4224
Fax No (763)852-5011 (Changes, Terms and Adds)



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