⭐ Editor's Choice — Top Rated Pick
Spirit Dental & Vision
📍 Available in: US
★★★★★ 4.8 / 5.0
Spirit Dental (underwritten by Ameritas) is a market pioneer in eliminating dental waiting periods. Unlike traditional policies that make you wait 6 to 12 months for root canals, bridges, or dental implants, Spirit covers major services on day one. Additionally, Spirit offers an industry-high $5,000 annual maximum benefit cap and a unique $100 lifetime deductible.
Pros & Cons
✓ Pros
- ✓Complete elimination of waiting periods: implants, crowns, and root canals covered immediately
- ✓Industry-leading $5,000 annual maximum benefit protects against catastrophic dental bills
- ✓Lifetime $100 deductible saves money over recurring annual deductibles
- ✓Includes 3 cleanings per year instead of the standard 2
✕ Cons
- ✕Monthly premium is higher than basic discount plans ($35-$65/mo)
- ✕Graduated coinsurance: pays 25-50% on major services in Year 1, increasing to 50-65% in Year 3
Key Features
NO Waiting Periods on Major Services or ImplantsAnnual Maximum Increases up to $5,000$100 Lifetime Deductible (Never pay deductible again)3 Cleanings and Exams Covered per YearChoice of Any Dentist (In-Network or Out-of-Network)