Spirit Dental Insurance

Is it worth it to have dental insurance?

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.

How does dental insurance work?

We like to say we share the cost with you – When you have dental insurance, you pay a monthly premium, you pay one deductible for the entire lifetime of the plan, if applicable for the service, and then the plan helps pay for your dental services and procedures from there. Putting it simply, we help you foot the bill for your dental care.

Can I purchase dental insurance on my own?

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.