A Spirit Network Plan features—you guessed it—a network of participating dentists. These dentists will often set lower rates for patients with the right insurance plan, which means you will be able to enjoy lower out-of-pocket costs.
Just be aware that you won’t be able to see the dentist of your choice if he or she isn’t within our network. If you do end up seeing an out-of-network dentist, you should be prepared to face decreased benefits or higher fees. But you can rest assured that our network of dental professionals can be trusted, and you will have plenty of great options to choose from, even if your old dentist isn’t a part of the PPO network.
This plan will be right for you if:
All Spirit plans use the Ameritas Network. This is one of the largest nationwide networks with over 428,000 access points and 111,500 unique providers.
SERVICE |
COST |
Dental Retail Costs For Implants |
$5000 |
Negotiated Network Costs |
$4000 |
Insurance Covers |
$2000 (50%) |
Your Out-of-pocket (bill you receive) |
$2000 |
Yes! Oral health is integral to overall health and good oral health is an important component to your overall wellbeing.
Some people might say, “I’ll just use a savings account to cover dental expenses”, and while self-insuring may be a good plan for some, most do not follow-through with preventive care and find themselves needing insurance later on for costly major work.
On top of that, when you’re not insured, you aren’t gaining access to discounted rates that insurance companies are given for services, meaning you’ll be paying much more for dental care.
Dental insurance is worth it. While premiums may seem like an unnecessary cost, dental insurance is an important preventive tool as well as a safety net so you can protect your health, wellness, and financial wellbeing.
Yes, you can! And you should – studies show that individuals with dental insurance have been found to be more likely to go to the dentist for preventive care.
If dental insurance is not available to you through an employer and you are above the age of 18, you can purchase private dental insurance that is separate from your medical insurance plan.
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