Spirit Dental Review

Sunday, February 28th

2021 Dental Insurance Plan Reviews

Spirit Dental

• Cost: Plans start at $31.63/month
• Benefits: Guaranteed acceptance
• 3 cleanings and 2 exams per year included with every plan
• $100 lifetime deductible
• No waiting period on major services
• Plans: Dental Insurance

Spirit Dental is a fully-featured dental insurance plan, not a discount plan. All coverage options through Spirit include the following benefits:

• No waiting on preventative, basic, or major services
• 100% coverage on 3 cleanings and 2 exams per year
• Guaranteed acceptance
• $100 lifetime deductible
• Coverage for crowns, bridges, implants, dentures, root canals and more
• Child orthodontics included in every play

Spirit Dental Insurance is a product of Ameritas. You'll find Ameritas plans quoted on other sites in our review, so be sure to comparison shop and see if it makes more sense to purchase your coverage through a third-party site with other providers or directly from Ameritas through Spirit Dental.

When you get your list of providers, you can filter the results by other preferences like distance, specialty (orthodontist, pediatric dentist, and so on), weekend hours, and so on. Then, click on any dentist's name to get a cost estimator for the practice; we liked that "cost effective" ones are highlighted in green. Unfortunately, until you have a member ID number, you won't be able to access the cost estimator unless you create a user account. Be aware of the disclaimer: "It is unlawful to misrepresent yourself as the insured member in order to gain access to this system for any purpose." So, if you really want access to that cost estimator, don't enter false information!

There were plenty of dentists in our area, including several that we know to have a fantastic reputation for affordable, skillful dental care.

Dental insurance through Spirit isn't cheap. In our area, we could expect to pay a minimum of $31.63 per month for an individual plan, with a coverage limit of $750 in the first year, $1,000 in the second year, and $1250 in the third and subsequent years. That same plan costs $63.26/month for two people, and $101.22/month for a family of 3 or more. Those premiums all apply to Spirit's Network plans. If you want to use the dentist of your choice and s/he is not in the Ameritas network, you'll pay more ($161.63 for coverage of $1200 every year for a family plan, as an example).

Spirit Dental offers a 30-day money-back guarantee, but if you've received any services under your plan you will not be eligible for a premium refund. You can still cancel your plan within those 30 days with no penalty.

Direct Benefits is the distributor of Spirit Dental's plans, and that company enjoys an "A+" rating at the BBB. There were also very positive customer comments registered there, particularly praising the company's helpfulness in sorting out any issues with getting coverage, confirming benefits with dentists, and so on. For all of these reasons, including the many benefits that come with every Spirit Dental Plan, we give this provider a solid 3.5-star rating, especially for those who want traditional dental insurance and not a discount dental plan.