Dental Plans
Our Rating: 
If you’re looking for a dental PPO plan where you can see any dentist you choose, provides coverage for preventive care such as cleanings and X-rays, covers crowns, bridges, and fillings, and has not waiting period, the Spirit Dental Plan is for you. Plus, there are no copayments for office visits.
Spirit Dental Plan Highlights include:
- Freedom to Choose Any Dentist
- No Waiting Periods
- Guaranteed Acceptance
- Implants and Major Services Covered
- 3 Cleanings Per Year
- Choose From $1,200, $2,500 or $3,500 Annual Maximums
Plan Features
Plan features include:
- No copayments for office visits
- One Preventive Care Deductible per Lifetime: $50 for an individual, $100 for a two person plan, $150 for a family per lifetime
- $50 combined Basic/Major Annual Deductible for an individual, $100 for a two person plan, $150 for a family
- No waiting period for preventive, basic, or major services
- Basic and Major Service Benefits increase in year 2 and year 3 of the policy, Preventive Care is always covered at 100%
- 3 Cleanings Per Year
- Choose From $1,200, $2,500 or $3,500 Annual Maximums
- Guaranteed Acceptance
- No exclusions for pre-existing conditions
Benefit Summary
| Plan Feature | Year 1 Benefit | Year 2 Benefit | Year 3 Benefit |
|---|---|---|---|
| Preventive Care Deductible | $50 individual / $150 family per lifetime | ||
| Basic/Major Care Deductible | $50 individual / $150 family per year | ||
| Annual Maximum Benefit | Choice of $1200, $2,500, or $3,500 per person | ||
Preventive Care – No waiting period
| 100% | 100% | 100% |
Basic Services – no waiting period
| 70% after deductible | 80% after deductible | 90% after deductible |
Major Services – no waiting period
| 10% after deductible | 50% after deductible | 50% after deductible |
Spirit Dental Networks
You can use your Spirit Indemnity plan at any dentist but you can save extra money by participating in one of the PPO Network dental plans below that may be available in your area.
Premier Dental Group PPO
The Premier Dental Group (PDG) was formed in 1991 to bring additional freedom of choice to preferred provider dental networks. Our dental networks help bring regular dental care to hundreds of thousands of people. We currently represent over 20 different insurance payors who bring over 350,000 patients to our member dentists. We are one of the largest dental networks in the Midwest. We are committed to providing superior service to our member dentists, patient members and insurance payors. Our phones are answered by knowledgeable staff instead of voice mail, and our website is designed to answer your questions and help patients find their local dental office.
Click here to access the DHA-Premier PPO to find participating dentists in your area.
Careington PPO
Careington is a premier marketer of dental, medical, health and lifestyle discount plans, as well as insurance plans through its affiliate Careington Benefit Solutions, that help members save money on health care and other services. The Careington Dental Network is one of the fastest growing independently owned dental networks nationwide. Designed by two dentists, the Careington Dental Network provides patients with affordable dental care – without interfering with the dentist-patient relationship. More than 65,000 general dentists and specialists offer Careington’s discount fee-for-service (POS) and PPO plans nationwide.
Click here to access the Careington PPO to find participating dentists in your area.
Effective Dates
Regardless of when an application is received, the policy will have an effective date of the 1st of the following month. Enrollments received after the 1st of the month will have a policy effective date of the 1st of the following month.
Can I terminate my coverage at any time?
There are no contracts and if you wish to cancel your plan, coverage terminates on the earliest of the following dates: the last day of the month in which You cease to be eligible for coverage; the last day of the month in which Your dependent is no longer a dependent, as defined; subject to the Grace Period, the last day of the month for which a premium has been paid by You or on your behalf; or the date the policy ends.
Payment Options
Payment options include monthly and annual bank draft or monthly and annual credit card payments (Visa and Mastercard).
After Enrollment
After enrollment, members will receive an ID card via email and a welcome packet and ID cards 7-10 days after the application is received and enrollment is processed, and should bring their ID cards with them when visiting the dentist. Members should inform their provider of their plan when scheduling their appointment to avoid any issues at the time of service.
Vision Plan
Our Rating:
This individual vision insurance plan can help you save money on eye exams, eyeglass lenses and frames, and contacts. Here are more of the plan’s features:
- $10 eye exam copayment
- Eyeglass lenses are covered 100% after materials copayment
- $65 wholesale allowance for frames
- Medically necessary contact lenses are covered 100% after materials copayment
- $100 allowance for elective contact lenses
- One eye exam per year
The Spirit Vision Plan is available only as a rider to the Spirit Dental plan (not stand-alone). The vision rider is optional to purchase, but cannot be terminated separately from dental.
It only takes a minute to sign up online. Once you’re enrolled, you only pay $10 copayment for your annual examination and can visit any eye doctor in the EyeMed Vision Network.
How it Works
- First, sign up for coverage.
- Find a participating vision provide located near your home or office by visiting Spirit’s Vision Finder.
- When you see a Spirit participating provider, you’ll receive immediate benefits including:
- $10 eye exam copayment – 1 per year
- Eyeglass lenses are covered 100 percent after materials copayment
- $65 wholesale allowance for frames
- $40 wholesale allowance for single lenses
- Medically necessary contact lenses are covered 100% after materials copayment
- $100 allowance for elective contact lenses
- You pay only the fees listed on the schedule of benefits
.
Cost Scenario
How much will you save with a Spirit vision plan? Take a look at what some common procedures can cost without insurance:
- Eye Exam: $90
- Frames: $90
- Sigle vision lenses: $70
- Total Cost: $280
Your cost with a Spirit vision plan, here are your costs for the same services:
- Eye Exam: $10 co-payment
- Frames: $25
- Sigle vision lenses: $30 co-payment
- Total Cost: $65
You can save up to $215 with the Spirit Vision Care Plan
Summary of Benefits
| Vison Services | Benefit |
|---|---|
| Vision Exam | $10 copayment |
| Lenses | $25 copayment |
| Frames | $40 wholesale allowance |
| Second pair of eyeglasses | You get 20% off |
| Exam Frequency | Once every 12 months |
| Frame Frequency | Once every 24 months |
| Contact Lens Allowance | $100 retail allowance |
| Lenses or Contact Lens Frequency | Once every 12 months |
Vision Plan Rates
| Under age 65 – Monthly Premium | Price |
|---|---|
| 1 person | $7.80 |
| 2 persons | $14.90 |
| 3 or more persons | $19.97 |
| Over age 65 – Monthly Premium | Price |
| 1 person | $9.36 |
| 2 persons | $17.88 |
| 3 or more persons | $23.96 |
How does Wholesale Frame Allowance Work?
Benefits include a wholesale frame allowance. If the wholesale cost exceeds the frame allowance, members pay twice the wholesale difference. They never pay full retail.
| Retail Price | Wholesale Price | Wholesale Allowance | Member Pays | Savings |
|---|---|---|---|---|
| $80-$120 | $40 | $40 | $0 | $80-$120 |
| $140-$210 | $70 | $40 | $60 ($70-$40=$30 x 2=$60) | $80-$150 |
Effective Dates
Vision effective dates are calculated as follows:
- If application is received between the 1st and 15th of the month, the policy effective date will be the 1st of the following month. 1. Example: Application received on May 10th will have an effective date of June 1st.
- If application is received between the 16th and end of the month, the policy effective date will be the 1st of the 2nd following month (the month after the following month). 1. Example: Application received May 18th for processing will have a policy effective date of July 1st.
Payment Options
Payment options include monthly and annual bank draft and monthly and annual credit card payments (Visa and MasterCard).