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      January 27, 2020

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Dental Plans 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 Plans and Spirit Dental.

To see ALL of our reviews for the Best Dental Insurance Plans, please Click Here

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

2020

Dental Insurance Reviews

4.5 stars
Dental Plans

DENTAL PLANS

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Cost:

Plans start at $79.95/year

Benefits:

100,000 dentists nationwide

30-day money-back guarantee

Promo code discounts may be available

Up to 30 different provider plans

Add-on coverage for prescriptions, vision, hearing, chiropractic, and telemedicine available

Plans:

Discount Dental Plans

As an online marketplace for dental discount coverage, Dental Plans offers an extensive range of options for saving money on preventative services, fillings and extractions, and much more. The company has been connecting members with providers since 1999.

Dental Plans gives you access to coverage from up to 30 different providers, depending on your area. In our major metro area, we got these results:

  • IDental
  • Aetna Dental
  • Cigna Dental
  • Solstice
  • Humana Dental
  • Careington
  • Patriot
  • Unicare
  • Renaissance Dental
  • Alliance HealthCard
  • CVS iSave
  • DP CompleteCare
  • Delta Dental

You may see plans from those providers on other dental insurance sites in our review, but Dental Plans wants to earn your business with a price match guarantee.

We were extremely impressed with the number of dentists in our area when we searched by zip code. The site makes it very easy to find the dentist and then determine which plans are accepted. This was the only dental care discount plan we found that offered our preferred dentist as an in-network provider.

Once you've selected the dentist you want to use, click on their name to see a comparison chart of sample discounts for plan members to help guide your choice. For example, the cost for an adult teeth cleaning ranged from $44 to $58 for premiums of $124.95 to $179.95 per year for an individual.

One thing that we noticed about Dental Plans that was different from other services in our review: all of their quotes are annual prices, not monthly. In their FAQ, it says that you would have to contact their customer service team to "discuss alternative payment options" like a monthly plan. When we chatted with a representative online, he told us that their monthly plans are typically priced 30% higher than annual plans - and the price match guarantee would not apply in that situation. So, unless you're looking at a competitor who also offers annually-priced plans, Dental Plans' price match won't be much use.

On the other hand, Dental Plans does a world-class job of creating happy members. Over more than 6,000 customer reviews, this company has almost all 4- and 5-star ratings. People who have used this service for years say that it helps them save money every time they visit the dentist, and with no extra forms to fill out, claims to submit, etc.

Also, at the time of our review, there was a promotion at the top of the site offering a 10% discount and 2 months free with a coupon code. Be sure to check for any featured discounts when you visit Dental Plans.

Another novel feature of Dental Plans is the ability to change your coverage any time your needs change. Did you get married, adopt a child, or suddenly need orthodontic coverage? Just get in touch with the: DP AtYourService Team and one of their experts will help match you to the perfect plan for your new circumstances.

Dental Plans is the best one-stop shop for the widest range of dental discount plans, including several of the providers we also evaluated in our reviews. If you want to save money and get excellent customer service, you can't beat what Dental Plans has to offer.

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3.5 stars
Spirit Dental

SPIRIT DENTAL

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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.

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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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