Are you tired of waiting months or over a year for access to dental care? Say goodbye to long waiting periods and hello to immediate access to quality dental care with our no-wait dental insurance plans.
Get your free dental quote today, compare affordable options in your area and start using your full coverage dental plan benefits from day one with Spirit Dental.
When you buy a no-waiting period dental insurance plan from Spirit Dental, you gain peace of mind and comfort knowing that you will have dental coverage when needed.
When shopping for the best dental insurance with no waiting period, you likely have specific needs in mind. Here are scenarios where a no-wait dental plan works best:
Major dental care services like crowns, dentures and implants can quickly become expensive. Facing these needs can be stressful and painful. Finding a dental plan that provides immediate access to necessary procedures helps with significant savings and long-term health.
Our no-wait dental plans offer comprehensive coverage for a wide range of major dental services, including:
If you already have a dental plan or are on Original Medicare, supplemental dental insurance can help alleviate your out-of-pocket costs for expensive major care services. Spirit plans do not coordinate benefits, meaning they’ll pay from the entire amount—a huge benefit to you. Plus, your supplemental coverage begins instantly without the wait.
Emergencies such as a chipped tooth, severe toothache or a deteriorating crown may require immediate attention. Our no-wait dental plans with next-day effective dates and guaranteed acceptance ensure prompt access to dental care as early as tomorrow.
Your child’s smile helps them feel confident and focus on their academic studies. Waiting a full year for braces or Invisalign coverage to begin might not be feasible. With no waiting periods for child orthodontia, you can schedule an orthodontic appointment on day one of your plan’s start date, kickstarting their restored smile without delay.
Finding a dental insurance plan you can count on with comprehensive coverage complements your Medicare plan by filling the gaps in dental care. As aging teeth begin to fade, having coverage when you need it ensures your oral health stays protected.
In dental insurance, a waiting period is when you have to wait after signing up before certain coverage begins. Spirit Dental was one of the first companies to offer no waiting periods for all covered services.
One overlooked advantage of dental insurance is the discounted rates negotiated with PPO plans. These reduced rates help you save instantly on covered procedures. As a result, this automatically lowers your out-of-pocket cost in addition to your plan benefits.
Here’s how that works for a $1,000 dental crown procedure with a no-wait PPO plan from Spirit Dental:
(This example is for illustrative purposes only. Actual pricing and coverage may vary.)
When it comes to oral health, there’s no time to waste. Tooth decay left untreated allows cavities to worsen. As decay progresses, the cost of treatment escalates. What could have been a simple $100 filling might turn into a $1,000 crown, a $2000 implant or even an emergency room visit.
To prevent dental issues, visiting your dentist for preventive cleanings and checkups annually is crucial. When you need coverage for a procedure, dental insurance with no waiting periods provides peace of mind, ensuring you get the immediate access you need to restore your oral health.
We have various dental plans with no waiting period to help fit whatever budget and dental needs you may have, including:
Full coverage means your insurance plan covers a wide range of services—it does not mean it will cover everything 100%. Our plans offer immediate full coverage with no waiting periods for all covered services. Be sure to check individual plan details to ensure the procedure you need is covered.
Coinsurance splits the cost with your insurance plan. Once your deductible is met, you pay a percentage of the cost, and the insurance plan covers the rest—up to the annual max.
This is the maximum amount your insurance will pay for covered services in a year. Once you reach the annual max, you will be responsible for paying for any additional dental expenses out-of-pocket until the start of the next policy year. Spirit Dental offers one of the highest annual maximums up to $5,000 in year three with our Spirit Pinnacle PPO plan.
A Preferred Provider Organization (PPO) dental plan offers a network of dentists who have agreed to provide services at discounted rates to plan members. You’ll also receive the flexibility to choose any dentist, whether they’re in-network or out-of-network, without needing a referral.
Both Spirit PPO plans and Flex plans offer PPO benefits with access to the Ameritas Dental Network. As the name implies, Spirit Flex plans are also indemnity dental plans offering the best coverage for out-of-network dentists at the 80 th UCR percentile.
Yes, a deductible is the amount of money you must pay out-of-pocket for covered services before your dental insurance plan begins to pay for covered expenses. At Spirit Dental, you’ll have a lifetime deductible, meaning you’ll only have to pay this once and never again.
*Each plan’s coverage varies.
**There are no waiting periods for Preventive, Basic or Major services on the Spirit Dental plans. However, if you select a plan with Orthodontia services you may find, depending on your state of residence, a waiting period for this service.
