We chose Spirit Dental & Vision as the best overall because it covers all dental care from day one and offers plenty of plan options. Plus, it has generous annual caps, up to around $ 5,000, depending on the plan you choose.
No waiting period for any category of care
Lifetime deductible of $ 100 for each member
100% preventive coverage from day 1
Teeth that are already missing are not covered
Co-pay is low for year 1 on some policies
Not all plans are available in all states
Powered by Ameritas Life Insurance Corp, Spirit Dental & Vision is a nationwide provider that has been in existence since the 1880s and has earned high marks from both AM Best and Standard & Poor’s. You can purchase a dental insurance plan with no waiting period directly or through an employer, and it includes policies for individuals, families, children, and the elderly.
Spirit Dental is the best overall for a number of reasons. With Spirit Dental, your coverage begins on the first day of your effective date, and you have a choice of multiple plans and levels of coverage. You choose your dentist.
Other great features include the lifetime deductible of $ 100 per person, 100% preventive care coverage with three cleanings per year, and guaranteed acceptance. On most policies, the basic and major care categories have increased coverage amounts for the first three years on most of Spirit’s policies, with an annual maximum ranging from about $ 1,200 to $ 5,000, depending on the policy. the level of your diet.
One thing to note is that Spirit does not cover prostheses for missing teeth unless the prosthesis also covers a lost tooth while the underwriter is insured with them. In comparison, premium rates vary depending on where you live and other variables. Online research found that for a woman under 50 in California, the range was around $ 44 to $ 108.