Compare 4 Spirit Dental Plans
Spirit MaxCare Silver Network Plan-network only dentists.
You can use any dentist in the MaxCare network. 50%/25%/25% first year benefits with no waiting periods. Plans with a $1200 annual maximum start at
$22.17 per month. $2500 and $3500 benefit options available. Next day coverage is available.
Search dentists at the link below:
https://spiritdental.com/dental-insurance/spirit-dental-advantages/find-a-dentist
Spirit MaxCare Gold Network Plan-network only dentists
You can use any dentist in the Maximum Care network. 100%/50%/25% first year benefits with no waiting periods. Plans with a $1200 annual maximum start at $32.79 per month. $2500 and $3500 benefit options available. Next day coverage is available.
Spirit Indemnity Silver Plan-choose any dentist
Choose any dentist. 50%/25%/25% first year benefits with no waiting periods. Plans with a $1200 annual maximum start at $33.57 per month. $2500 and $3500 benefit options available. Next day coverage is available.
Spirit Indemnity Gold Plan-choose any dentist
You can use any dentist in the Maximum Care network. 100%/50%/25% first year benefits with no waiting periods. Plans with a $1200 annual maximum start at $46.20 per month. $2500 and $3500 benefit options available. Next day coverage is available.
HOW TO APPLY:
Click on the purple link to review coverage and enroll:
https://spiritdental.com/index.php?option=com_scoreboard&view=scoreboard&agent=001C000001QXcpmIAD
UNDERSTANDING THE PEDIATRIC DENTAL REQUIREMENT
PROBLEM:
In the Affordable Care Act law, medical plans are required to cover all 10 'Essential Health Benefits', one of those being pediatric dental coverage---even for adults! If a medical plan doesn't have this embedded in the coverage, the carrier needs to make the consumer buy a stand-alone plan, or attest that they are buying it elsewhere. However, I have read nowhere a requirement that you KEEP the policy.
SOLUTIONS:
1. MODA offers a plan that is of no cost (or benefit) to adults at no premium for adults. If you have a child on the plan it costs $27 per month only for those under age 19. This will satisfy the requirement.
2. You could purchase one of the adult MODA plans and have adult dental coverage, which would satisfy your requirement that you purchased a plan that also covers Pediatric Dental. You could then cancel the plan later on. Click below to enroll in one of the 3 MODA options:
