Spirit Dental Insurance - By Security Life Insurance Company of America.

Spirit Dental includes two plan designs with No Waiting Periods for preventative, basic or major services. Annual Maximums up to $3,500 per person and the freedom to keep your own dentist or use a MaxCare PPO (Careington and Dentemax network) provider for greater savings and Orthodontics coverage. Many effective dates to choose from.

Spirit Dental Insurance
Security Life Insurance Company of America
Long Term Consumer Care, Inc. BBB Business Review
Discount Dental Plans
Dental Insurance
Spirit Dental Options
The Spirit Choice dental plan option allows you the freedom to visit any dentist you wish without having to participate in a PPO network. Covered dental services include exams, cleanings, fillings and extractions, as well as crowns, bridges, implants, and dentures.
The Network PPO Dental plan options allows you to obtain care through a network of dental providers who agree to serve the plan's members at reduced rates. When you use a network provider you will typically pay a certain percentage of the reduced rate.
The Optional Spirit EyeMed vision insurance coverage can be added to your dental insurance and you can save big money next time you purchase glasses, contacts, or get an eye exam. EyeMed gives you nationwide network access to thousands of conveniently located vision providers. The monthly rates are $7.00 Single, $14.00 Plus One and $20.00 Family.
Get a Quote or Apply
Major Services are paid 50% the First Year in CT, IL, MO and TX.

Please Note: The percentage paid for Preventative, Basic and Major services vary by plan option and the state you reside in. View the Plan Details when running a quote. Major Services are paid 50% the First Year in CT, IL, MO and TX.

Spirit Dental Insurance - No Waiting Period Plan Options
  Spirit Spirit
PLAN NAME Choice 3500 PPO Network 3500
  Choose Any Dentist bullet Search for Providers
  bullet View Details (PDF) bullet View Details (PDF)
OPTION Optional Vision Insurance Optional Vision Insurance
PLAN PAYS - No Waiting Periods -
Preventative Pays up to 100% Pays 100%
Basic Services Pays 50% Year 1 Pays 50% Year 1
Pays 65% Year 2
Pays 65% Year 2
Pays 80% Year 3 Pays 80% Year 3
Major Services Pays 25% Year 1 Pays 25% Year 1
Pays 50% Year 2
Pays 50% Year 2
Pays 50% Year 3 Pays 50% Year 3
- Major Services are paid 50% the First Year in CT, IL, MO and TX -
$1200 Year 1 $1200 Year 1
$2500 Year 2 $2500 Year 2
$3500 Year 3 $3500 Year 3
*Note: The 1200 Plan options remain at a $1200 Maximum
Deductible $100 Lifetime $100 Lifetime
Waiting Periods No Waiting Periods No Waiting Periods
Dentists Use Any Dentist bullet Click for PPO Providers
Plan Popularity
Insured by SECURITY LIFE Insurance Company of America



  • Two exams per calendar year
  • Three cleanings per calendar year

  • Space maintainers
  • One series of bitewing x-rays per year
  • Sealants (children to age 16)
  • One topical fluoride per year to age 16


  • Simple extractions
  • Implants (endosteal only), up to the allowance for the lowest cost covered traditional procedure
  • One diagnostic x-ray, full or panoramic in any 3 year period
  • Oral surgery
  • Endodontic treatment
  • Periodontic services
  • Restoration services; inlays, onlays and crowns
  • Prosthetic services; bridges and dentures
  • Basic fillings

ORTHODONTIA (Included in the Network plan options only)

  • Orthodontic care for the proper alignment of teeth is provided only to dependent children who
    are under 19 when treatment is received. Coverage is 10% 1st year, 25% 2nd year and 50% the 3rd year with a $1200 lifetime maximum per child
PREDETERMINATION OF BENEFITS: It is recommended that a treatment plan/course of treatment be submitted when the total cost of eligible expenses for any insured is expected to exceed the amount shown on the coverage schedule. This should be submitted to us before the work is
started. If actual services submitted do not agree with the treatment plan, or if a treatment plan is not sent in, we will base our payment on treatment consistent with reasonable and customary charges. Predetermination of benefits is not a guarantee of what we will pay. The estimated benefit
payment is based on your current eligibility and benefits in effect at the time of the completed service. Submission of other claims or changes in eligibility or this policy may alter final payment.
NOTICE: This provides a very brief description of some of the important Dental Network:
features of the insurance policy. It is not the insurance policy and does not represent it. A full explanation of benefits, exceptions and limitations is contained in Individual Dental Policy Form IP1000 (and any state specific) or One Life Group Dental Policy that may be issued to the group voluntary trust, GH-1112 (and any state specific). Premium rates may change upon renewal. This policy is renewable at the option of the insured (IP1000) or the Company (GH-1112). This product may not be
available in all states and is subject to individual state regulations.
Quote or Apply
Get a Spirit Dental Insurance Quote or Apply by Clicking Here


Need Help Choosing a Spirit Dental Plan Option? Call 1-800-544-9505
  • > Optional Vision Insurance
  • > Spirit Dental Insurance - Deductibles
  • > Plan Information

Optional Vision Insurance Plan

The optional vision plan is available through the EyeMed Vision Care Network. EyeMed is a leading vision benefits company, offering the following features:

• Savings on eye care, frames, lenses and other options
• Quality standards for care and materials
• Access to thousands of providers nationwide, including the nation’s top optical retail brands

Spirit Dental Insurance - Deductibles

The Spirit Dental Insurance plan has a one time deductible of $100.

ELIGIBLE EXPENSES: Expenses must be incurred while the Policy is in force and
the person is covered by the Policy. To become an Eligible Expense, the dental services
must be performed by: a licensed Physician performing dental services within
the scope of his license; or a licensed dental hygienist acting under the supervision
and direction of a Dentist.

EXPENSES INCURRED: An Eligible Expense is considered incurred on the following
dates: for full and partial dentures - on the date the final impression is taken; for fixed
bridges, crowns, inlays and onlays - on the date the teeth are first prepared; for root
canal therapy - on the date the pulp chamber is opened; for peridontal surgery - on the
date surgery is performed; for all other services - on the date the service is performed.

DENTAL EXPENSES NOT COVERED: No benefits will be paid for expenses incurred:
for overdentures and associated procedures; for charges in excess of those considered
reasonable and customary; for cosmetic procedures; for the replacement of dentures,
bridges, inlays, onlays or crowns that can be repaired or restored to normal function;
for replacement of lost or stolen appliances, replacement of retainers, athletic mouthguards,
precision or semi-precision attachments, denture duplication; for oral hygiene
instructions and for plaque control, completion of a claim form, acid etch, broken appointments,
prescription or take-home fluoride, or diagnostic photographs; for services
not completed by the end of the month in which coverage ends unless continuation of
coverage has been requested and accepted by Us; for procedures that are begun, but
not completed; for services and treatment provided without charge or for which there
would be no charge in the absence of insurance; for services in connection with war or
any act of war, whether declared or undeclared, or condition contracted or accident occurring
while on full-time active duty in the armed forces of any country or combination of
countries; for a condition covered under any Worker's Compensation Act or similar law;
that are applied toward satisfaction of a Deductible, if any; that are generally considered
by the dental profession as experimental or investigational; for the treatment of cleft palate
and anodontia; for services or supplies payable under any medical expense plan;
for orthodontia, unless included within Coverage Schedule; prior to the date the Insured
is covered under the Policy; for the diagnosis or treatment of Temporomandibular Joint
Dysfunction (TMJD); for hospital services; if You voluntarily end your insurance You
will not be eligible to re-enroll for a period of 2 years after the date Your coverage first
ended; charges for infection control, sterilization and waste disposal.

ALTERNATE BENEFIT: If: (1) We determine that a less expensive alternate procedure,
service or course of treatment can be performed in place of the proposed treatment
to correct a dental condition; and (2) the alternative treatment will produce a
professionally satisfactory result, then the maximum we will allow will be the charge for
the less expensive treatment.

MISSING TOOTH: When covered under your plan, benefits are provided for placement
of dentures, fixed bridgework, implants or the addition of teeth to existing dentures
only when the service includes replacement of a natural tooth extracted or lost
while covered under this plan. This limitation ends after the individual receiving care
has been covered under this plan for 36 consecutive months.

Spirit Dental Insurance 01142016