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Dental insurance under the Spirit Dental plan is distributed by Direct Benefits and underwritten by Security Life Insurance Company. There is no ownership affiliation between Security Life Insurance Company and Direct Benefits for Spirit Dental and Vision.
Preventive dental care builds a healthy smile an healthier life. Over 125 Illnesses including anemia, bulimia, diabetes, osteoporosis and cancer express symptoms in the mouth which can be detected during a routine dental exam.* Dental insurance provides financial assistance to you and your family to encourage regular visits to your dentist, which are essential to maintaining oral health.
* U.S. Department of Health and Human Services. Oral Health in America: A Report of the Surgeon General. Rockville, MD: U.S. Department of Health and Human Services, National Institute of Dental and Craniofacial Research, National Institutes of Health, 2000.
Offers dental, vision, life and disability products to consumers and small-to-mid size employer groups Prides itself on being flexible and nimble exceeding the expectations of its distribution partners Delivers products and service with simplicity, ease and consistent execution Strong financial stability, high quality investment portfolio
Spirit Dental and Vision PPT 03-2013
Immediate coverage no waiting periods Members select their own dentist Guaranteed acceptance cannot be turned down A variety of annual maximum benefit plans Plan coverage for crowns, bridges, implants, dentures, root canals and more Best in class service
Choose Your Own Dentist or select from a PPO Network No Waiting Periods Guaranteed Acceptance Implants and Major Services Covered 3 Cleanings Per Calendar Year Choose From $1,200, $2,500, and $3,500 Calendar Year Annual Maximums per Person Rates Guaranteed for 1 Year Optional Spirit Vision insurance
Spirit Dental and Vision PPT 03-2013
Spirit Indemnity Dental Plan Spirit Careington PPO Dental Plan Optional Spirit Vision Plan
Means that you can Choose Any Dentist in the USA No PPO Network Based upon the 90th percentile of Reasonable and Customary (R&C) R&C means the usual, customary and regular charges for the area where such expenses are incurred Not available in AK, ID and NJ
Spirit Dental and Vision PPT 03-2013
A PPO dental plan is dental coverage that is part of a network insurance system. Dentists sign up for the PPO network hoping to get more patients to treat. In acknowledgment of the referrals an insurance company provides, the dentists offer lower rates for the clients of a particular dental insurance provider. The result is lower fees and premiums for patients.
Spirit Dental and Vision PPT 03-2013
Choose from over 64,000 dentists nationwide Higher coverage Lower rates $1,200 Child Orthodontia Benefit Look up Careington PPO Providers www.careington.com/co/slica Careington is not available in: AK, ID, NJ, VT
Child Orthodontia
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% the first year, 25% the second year, and 50% the third year with a $1,200 lifetime maximum per child. Only available with Spirit Careington PPO Network Dental Plan.
Calendar Year Maximum - $1,200, $2,500 or $3,500 per insured Deductibles are to a maximum of 3 Individual deductibles per family. $50/$150 combined Basic/Major annual deductible.
Eye Exam $10 Copay (Once every 12 months.) Eye Glasses/Lenses $20 Copay (Once every 24 months) Frames $0 Copay (Once every 24 months) Contact Lenses (Once every 24 months) (Instead of lenses and frame) Contact lens wearers will pay up to $55 for standard contact lens exam, including fit and follow-up, or receive 10% off retail price for premium contact lens exam, fit and follow-up.
Spirit Dental and Vision PPT 03-2013
EyeMed Access Network Members locate a provider by going to www.eyemedvisioncare.com. They can register to use the secure member site once enrolled, or choose Access from the locator drop-down box. Monthly Premiums Insured only Insured & 1 person Insured & 2 or more
Under age 65 Age 65+
1. The ZIP code in which you live 2. Your age 3. Coverage type you select: Applicant, Applicant +1, or Applicant + 2 or more 4. Select Indemnity or PPO provider dental plan 5. Selected calendar-year maximum - $1,200, $2,500, or $3,500. 6. Adding an optional vision insurance plan.
Spirit Dental and Vision PPT 03-2013
How to Enroll?
Monthly payment options: Automatic bank draft from a checking or savings account Visa / Master Card Application fee: $40 paper application or $20 online application (www.SpiritDental.com) Plan effective date is always the first of the month 30-day customer satisfaction guarantee
Important Notice
800-620-5010 www.SpiritDental.com
This presentation provides a very brief description of some important features of your Plan. It is not the Insurance Contract, nor does it represent the Insurance Contract. A full explanation of benefits, exceptions and limitations is contained in the Certificate of Insurance under Policy Form GH1112-37740-1 issued to the Voluntary Group Trust