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      August 17, 2019

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Dental Insurance vs Spirit Dental

Best Dental Insurance Plans

To help you find the Best Dental Insurance Plans, TopConsumerReviews.com provides you with an in-depth comparison of Dental Insurance and Spirit Dental.

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Where can you get the best dental insurance? If you're one of the 74 million Americans who aren't covered by an employer or government plan, chances are you've asked yourself that question recently. One big reason people avoid dental insurance is because those plans can be expensive.

The price for dental insurance can vary depending on where you live, but it's not uncommon for a basic cleaning to cost $100 - and that doesn't include the x-rays, the exam, or the cost of any repair work or fillings the dentist discovers during your visit. Fortunately, you can purchase your own coverage.

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Best Reviews

2019

Dental Insurance Reviews

5 stars
Dental Insurance

DENTAL INSURANCE Visit Site

Cost:

Plans start at $6.95/month

Benefits:

Plans from at least 9 different providers

Vision plans also available

Plans:

Dental Insurance

Discount Dental Plans

TopConsumerReviews.com Best-In-Class Blue Ribbon Award Dental Insurance is the internet's best resource for both kinds of dental coverage: traditional insurance and discount plans. When using the Dental Insurance site to shop for coverage, you'll have access to a variety of providers.

In our testing, we found plans offered by the following providers:

  • AmeriPlan
  • Ameritas
  • Argus
  • Delta Dental
  • Guardian
  • HumanaOne
  • Nationwide
  • Renaissance
  • Solstice

You start by entering your zip code to find plans in your area. Then, if you know you want a particular provider, you can select from the filters on the left side of the page. These filters also let you sort your options by Plan Type (such as Dental HMO, Dental Prepaid, Discount Card, Indemnity, or PPO) or Monthly Cost.

Naturally, your monthly or annual costs will vary depending on the dental coverage you select, but at the time of our review the lowest-priced plan in our region was the discount card offered by Argus. For $6.95/month for an individual or $14.95 for households of 2+ members, your coverage would include $50 cleanings, $80 fillings, $640 for a crown, and unlimited use of discounts.

The lowest-priced dental insurance plan in our area was also offered by Argus as an HMO. Monthly premiums ranged from $7.95 for an individual to $21.55 for a family of 3 or more, and sample pricing for services included free cleanings, $80 fillings, and no plan maximum or waiting period.

We like how this site spells out very clearly the basic information about each plan, with further details and a dentist provider search just a click away - although we would love to see Dental Insurance add a feature that allows you to search for a dentist and then see which plans are accepted by his or her office. Be sure to pay attention to the first box below each provider name: that's where you can see right away if it's a traditional dental insurance plan or a discount card.

We really appreciate the section that tells you any deadlines for getting coverage. For example, the Argus plan mentioned above required us to apply by the 25th of the month to get coverage on the first day of the following month, while AmeriPlan usually becomes effective within 48 hours of submitting the application.

You can select up to three plans to see a detailed comparison, if you're having trouble narrowing down your choices. We strongly encourage you to verify that there are dentists in your area that accept the plan you choose before making your purchase. For instance, the Argus dental insurance mentioned above was listed as available in our area, but the provider search turned up no participating dentists in our area.

Dental Insurance is operated by Kelsey National Corporation, which has been in business for over 50 years. The company has a stellar "A+" rating with the BBB and zero registered complaints as an accredited business there. This service also has licensed insurance agents available via toll-free number, Monday through Friday from 6am to 6pm Pacific Time, if you need help getting a quote, finding the right plan, or enrolling in the plan you've selected.

There's just no easier way to shop for traditional dental insurance and discount dental plans than the Dental Insurance site. No matter what type of coverage you want, this service will help you get the right plan for you, your significant other, or your whole family. Dental Insurance earns our highest ranking and is our recommended choice when shopping for dental insurance coverage.

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3.5 stars
Spirit Dental

SPIRIT DENTAL Visit Site

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.

Visit Site

Continued from above

When it comes to Dental Insurance, you have two main options: traditional dental insurance or discount dental plans. With dental insurance, it works as you'd imagine you pay a monthly premium, and you may or may not have an annual deductible.

On the other hand, discount dental plans give you access to savings on dental services and are often valid for use from the day you pay for coverage. Many of these dental savings plans have options for further discounts on vision, hearing, prescriptions, and even telemedicine services.

So, what's the advantage of using one over the other? It really depends on what you're looking for. Many people like the security of a traditional dental insurance policy, because they're already familiar with how they work. However, a growing number of consumers are opting for discount dental plans: even though you have to pay at the time of service, the amount you save compared with paying 100% out of pocket can be significant.

No matter which type of dental coverage you need, what should you consider as you choose the right provider and plan for you or your family? Here are several criteria to keep in mind:

  • Type of Plans Available. If you already know you want a discount dental plan or traditional dental insurance, does the site offer it? How many providers are included? Can you choose from a wide range of plans, premium levels, and options?
  • Pricing. What will you pay for your coverage? Do you have the option to pay monthly or annually as you prefer? Will the dental insurance or discount plan save you enough money to justify the premiums and any enrollment fees?
  • Reputation. What do others have to say about their experience using the service and/or the plans provided? Is the company rated by the Better Business Bureau?
  • Support. Many dental insurance websites have licensed agents available to help you with your decision, assist you in completing the enrollment, and so on. How easy is it to get help if you need it?

TopConsumerReviews.com has reviewed and ranked the best Dental Insurance and discount dental plans available today. We hope this information helps you find the best coverage for a healthy smile at the right price!

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