Missouri
dental insurance
NO STRESS DENTAL PLANS
GUARANTEED ACCEPTANCE
30-DAY SATISFACTION GUARANTEE
NO WAITING PERIODS ON ALL DENTAL SERVICES
NO AGE BANDING
RESTORATIVE CARE
ROOT CANAL
IMPLANTS
DENTURES
FILLINGS
INLAYS/ONLAYS
AFFORDABLE & FULL COVERAGE
ALL PLANS COME WITH:
NO WAITING
LIFETIME DEDUCTIBLE
A TOP NETWORK OF DENTISTS TO CHOOSE FROM
100% PREVENTATIVE CARE COVERAGE
With Spirit Dental, all plans come with:
Top network of dentists | No age banding | Choose any dentist
30-day guarantee | No waiting periods | Guaranteed acceptance
No waiting period
Lifetime deductible
Top network of dentists
100% covered cleanings and exams
Implant coverage
Choose any dentist
Buy affordable, full coverage dental insurance plans with no waiting period
Go where your smile takes you
That excited smile when you meet a friend for coffee. The happy smile when making french toast. The feel-good smile when you do something for yourself.
Keep your smile doing what it does best. Protect it with a Spirit Dental plan.
Spirit Care Connect
Your smile carries you into rooms of joy, laughter and celebrations. And you want your smile there for you without ever thinking of it. Spirit Dental experts know dental insurance and are well equipped to guide you to the plans that makes sense for you.
98% of all calls picked up within 30 seconds
4.8 out of 5 in customer satisfaction
How does Spirit stack up against the rest?
Waiting Periods
No waiting periods on all dental services
Waiting periods starting at 6-12 months
Other Dental Plans
Here's the breakdown:
$100 one-time
$23.69/mo
None
130,000+
Covered 100%
$750 - $5,000
$100 lifetime
Every day effective dates
Yes
Yes - immediate
6 mo for basic 12 mo for major
Covered 100%
$50 -$150 annually
Yes
$24.00/mo
89,000+
Covered 100%
$1,000
$0, $50, $150 annually
1st of the month
No
No
1st of the month
$500 - $750
152,000+
Choice of Dentist
No
Yes
Choice of Dentist
$75 annually
$1,000 - unlimited
Covered 100%
Network of Dentists
$28.00/mo
6 mo for basic 12 mo for major
Implant Coverage
Starting Cost
Waiting Periods
Network of Dentists
Preventitive Cleanings
Annual Max
Deductible
Effective Dates
Optional Vision
Implant Coverage
Delta
Cigna
Dedicated Dental Experts
No waiting periods on any dental services
Other Dental Plans
Waiting periods starting at 6-12 months
Missouri dental insurance
Buy affordable, full coverage dental plans with no waiting period
Missouri | Power up your smile
Spirit Dental makes it easy to get the dental care you need without the hassle
Spirit Dental offers No Waiting Periods for All Dental Services including: Preventative, Basic and Major Services. Other carriers only offer Preventative No Waiting Periods and 6 to 12-month waits for All Basic and Major Services.
4 reasons your smile will brighten with Spirit Dental
1
Large network with savings
The importance of network savings is easy to overlook but something that ultimately can save you money right away. Spirit plans use the Ameritas Classic Network which offers over 130,000 providers nationwide and also provides you with 25-50% savings by seeing an in-network. dentist.
2
No waiting periods
When you purchase a dental plan, you don’t want to wait 6-12 months for coverage. If you need a dental procedure ASAP, Spirit plans have you covered for preventive, basic and major services the next day after you purchase your plan.
3
Full coverage dental plans
When you’re shopping dental plans, you’re looking for the best available. And Spirit plans meet your needs head-on with no waiting periods, PPO plans to visit any dentist, implant coverage, a large network with 25-50% savings, competitive pricing and lifetime deductibles.
4
PPO plans
All Sprit plans are PPO dental plans. This gives you the freedom to visit any dentist or specialist, and you do not need a referral. Visit an in-network dentist, and you’ll see 25-50% savings!
How do I buy Missouri dental insurance?
Start with your zip code
With Spirit or any dental plan, dental insurance is determined by location. Your zip code determines the plans available in your area and the price you'll receive.
1
Next, determine your needs
Are you someone:
2
Retired and looking for a solid fixed-income dental solution
As we get older, teeth begin to fade. Having dental insurance will keep you going for preventive checkups and cleanings, and when you need a procedure, dental insurance will help cover the cost helping your fixed-income stay within your means.
In pain and need dental insurance ASAP
All Spirit plans come with no waiting periods. This means you can get savings for a procedure you need the next day.
Spirit family plans cover fillings, orthodontics, cleanings and wisdom teeth. One plan to look at is our Pinnacle plan. Here, you'll find fillings fall into the basic category for more savings, child ortho is included and you'll enjoy a $5,000 annual max starting year 3 of your plan.
Looking for a family plan
A lot of dental plans on the higher end cover major services. If you're just looking to keep your teeth in tip-top shape and want to prevent expensive procedures, look for plans with low major service coverage, but cover your preventive cleanings and checkups annually.
Want dental insurance but on a budget
Next, compare plans
View plans offered in your area and begin choosing the plan based on your needs. Common features to look for: Premium (monthly cost), Annual Maximum (amount you receive per benefit year), Coinsurance (the percentage your plan will pay towards a dental service or procedure).
3
Choose the plan that works for you
Feel confident with your choice in a Spirit Dental plan. With Spirit, your coverage begins the following day of your effective date. Your ID card will arrive in the mail around 2 weeks after purchase.
4
Adding vision?
If you're also looking for a vision plan, with Spirit, you can add-on a vision plan for half the price! You'll see a popup window when you purchase and just check the box to add it into your package.
I'm stuck. Where do I go for help?
Our Spirit Care Team is standing by to answer your questions. Not every plan fits with every person, and we love helping people get the best plan for their situation.
*The rates you see are for ZIP Code 65109 Missouri, age 65 and plans that contain basic and major service coverage – source: Direct Benefits Marketplace, Delta Dental Missouri and Cigna Missouri
Underwritten by Ameritas Life Insurance Corp. | 5900 O Street Lincoln, NE 68510 This highlight is not a certificate of insurance or guarantee of coverage. Plan designs may not be available in all areas and are subject to individual state regulations. Rates are subject to change at any time. This information is provided by Ameritas Life Insurance Corp. (Ameritas Life). Individual dental, vision and hearing care products (Indiv. 9000 Rev. 02-19), and vision policy form (Indiv. 9000 Rev. 02-19 V, dates may vary by state) are issued by Ameritas Life. This piece is not for use in New Mexico. The Ameritas Dental Network is not available in MT or RI. In Texas, our dental network and plans are referred to as the Ameritas Dental Network. Some states require that producers be appointed with Ameritas Life before soliciting its products. Ameritas, the bison design, “fulfilling life” and product names designated with SM or ® are service marks or registered service marks of Ameritas Life Insurance Corp., affiliate Ameritas Holding Company or Ameritas Mutual Holding Company. All other brands are property of their respective owners. © 2020 Ameritas Mutual Holding Company.
ENROLL TODAY
SEE YOUR DENTIST TOMORROW
FEEL YOUR BEST SELF
No age banding
Unlike other dental carriers, the price you see is the same for any age group.
No waiting period
Seeing your dentist to fix tooth issues early on can prevent costly issues in the future.
Network savings
In-network dentists have agreed to charge you a lower fee for services—25%-50% savings.
Lifetime deductible
You pay it once and never again.
Annual maximums
Take savings further with high annual maximums of up to $5,000 available in year three.
Increasing coinsurance
Spirit offers plans that start at 25% coinsurance for major services and as high as 65% in year three.
Ways you save with Spirit
No age banding
Unlike other dental carriers, the price you see is the same price for any age group.
No waiting period
Seeing your dentist to fix tooth issues earlier can prevent more costly issues in the future.
In-network dentists have agreed to charge you a lower fee for services. The avg. in-network discount is 30%
Network savings
You pay it once and never again.
Lifetime deductible
Spirit offers plans that start at 25% coinsurance and as high as 65% in year 3.
Increasing coinsurance
Take savings further with high annual maximums of up to $5,000 available in year three.
Annual maximums
*Network plans use the Ameritas Classic Network of over 130,000 dentists
The best dental plan for you
What's the best dental insurance for implants?
Unlike some dental plans, Spirit covers all parts of the implant, (post, abutment, crown) and has no waiting period too!
What's the best dental insurance for retirees on a fixed-income?
Maybe your Cobra plan just ended from your employer coverage, you're not satisfied with the Medicare Advantage plans or maybe you're looking for the first time on your own, Spirit plans offer max benefits with affordable prices to keep your smile going strong.
What's the best dental insurance for families?
Whether it's fillings, wisdom teeth extraction, child ortho or annual cleanings, Spirit offers comprehensive plans to meet your family's needs.
What's the best dental insurance for affordable plans?
Affordable with dental insurance means getting ultimate value from the plan you get. With Spirit, you’re getting 25-50% network savings, lifetime deductible (pay it once and never again) and no waiting periods to get you into the dentist ASAP preventing costly issues down the road.
Oral health is essential to your overall health and a confident smile. Dental insurance is key to keeping your mouth healthy. When shopping dental plans, dental insurance isn't a one-size-fits-all solution. It depends a lot on your needs and your situation. Here are 4 important factors we think of when shopping dental plans.
Spirit Dental Pros & Cons
Pros
Large Network
Over 130,000 providers and save 25-50% by purchasing an in-network plan and seeing an in-network dentist
Out-of-Network Coverage
With our PPO plans, enjoy the freedom to see any dentist or specialist in or out-of-network.
High Annual Maximums
With the Senior Preferred plan, receive $3,500 annual max year one or $5,000 annual max year 3 with Spirit Pinnacle. Most other dental plans are in the $1,000-$2,000 range!
Loyalty Benefits
All Spirit plans offer increasing coinsurance – up to 65% major coverage savings year 3 with Senior Preferred!
Lifetime Deductible
$100 lifetime deductible – pay it once and never again!
Cons
Annual Max Limits
Annual maximums are the amount the dental plan will pay each year. Some dental plans have unlimited annual maximums. Even though Spirit does not offer unlimited annual maximums, two of its plans offer two of the highest annual maximums in the country.
Higher Premiums with PPO
HMO dental plans tend to be lower in cost than Spirit PPO plans, but you also lose flexibility of seeing specialists and the networks tend to be smaller.
Deductible
Some dental plans offer no deductible. Spirit is different from others by offering a lifetime option. Pay it once and never again!
**Delta's starting cost is based on the Bronze Plan. Cigna's starting cost is based on the 1000 Plan.
Top-rated by trusted names
I'm so grateful I found out about Spirit Dental. It was the only plan I could find that had a ‘no waiting period.’ Everyone I've ever encountered at Spirit Dental has been professional, knowledgeable, and friendly. I highly recommend this company.
– Cindy R.
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I had an overall great experience with Spirit Dental Insurance. No waiting period, no pre-approval on major services, everything went smoothly.
- Amina K.
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