Spirit Dental offers affordable dental insurance plans for individuals, families and seniors
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.
Spirit Dental and Vision PPT 03-2013
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.
Spirit Dental and Vision PPT 03-2013
Why dental insurance?
* 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 CraniofacialResearch, National Institutes of Health, 2000.
Created in 2003 by Direct Benefits Underwritten by Security Life Insurance
Company of America - Founded in 1956 Over $50 million yearly dental premiums Thousands of customers nationwide Committed to fast, responsive customer
service and “Best in Class” marketing and sales support.
Spirit Dental and Vision PPT 03-2013
What is Spirit Dental?
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
The Carrier: Security Life
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
Spirit Dental and Vision PPT 03-2013
Why Spirit Dental?
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 Dental Highlights
Spirit Indemnity Dental PlanSpirit Careington PPO Dental PlanOptional Spirit Vision Plan
Spirit Dental and Vision PPT 03-2013
What plans are available?
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 NJSpirit Dental and Vision PPT 03-2013
Indemnity Dental Plan
Indemnity Covered Services
Preventive ServicesTwo exams per calendar yearThree cleanings per calendar yearBasic ServicesSpace maintainersOne series of bitewing x-rays per yearSealants (children to age 16)One topical fluoride per year to age 16Major ServicesSimple extractionsImplants (endosteal only), up to the allowance for the lowest cost covered traditional procedureOne diagnostic x-ray, full or panoramic in any 3 year periodOral surgeryEndodontic treatmentPeriodontic servicesRestoration services; inlays, onlays and crownsProsthetic services; bridges and denturesBasic fillings
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
Why Choose a PPO Dental Plan?
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
Spirit Dental and Vision PPT 03-2013
Careington Maximum PPO Network
Careington PPO Covered Services
PreventiveTwo exams per yearThree cleanings per calendar yearBasicSpace maintainersOne series of bitewing x-rays per yearSealants (children to age 16)One topical fluoride per year to age 16 MajorSimple extractionsImplants (endosteal only), up to the allowance for the lowest cost covered traditional procedureOne diagnostic x-ray, full or panoramic in any 3 year periodOral surgeryEndodontic treatmentPeriodontic servicesRestoration services; inlays, onlays and crownsProsthetic services; bridges and denturesBasic fillings Spirit Dental and Vision PPT 03-2013
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.
Spirit Dental and Vision PPT 03-2013
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.
Spirit Dental and Vision PPT 03-2013
Maximums and Deductibles
Spirit Dental & Vision’s 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 and eyewear Quality standards for care and materials Access to thousands of providers nationwide,
including the nation’s top optical retail brands Vision plans not available in Maryland
Spirit Dental and Vision PPT 03-2013
Optional Spirit EyeMed Vision Care
Optional Spirit EyeMed Vision Care
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
Optional Spirit EyeMed Vision Care
Plans include a $100 retail allowance that can be applied toward the purchase of conventional or disposable contact lenses.
If the member chooses conventional contact lenses with a retail price over $100, he or she will receive 15% off the balance. Medically necessary contact lenses are paid in full after the copay.
Replacement contact lenses can be ordered online and conveniently delivered to members’ homes through www.eyemedcontacts.com.
Spirit Dental and Vision PPT 03-2013
Spirit EyeMed Network and Rates
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 Under age 65 Age 65+
Insured only $7.81 $8.98Insured & 1 person $13.17 $15.14Insured & 2 or more $18.83 $21.65
Spirit Dental and Vision PPT 03-2013
1. The ZIP code in which you live2. Your age3. Coverage type you select: Applicant,
Applicant +1, or Applicant + 2 or more4. Select Indemnity or PPO provider dental plan5. Selected calendar-year maximum - $1,200,
$2,500, or $3,500.6. Adding an optional vision insurance plan.
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Factors that determine your rate
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
Spirit Dental and Vision PPT 03-2013
How to Enroll?
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 GH-1112-37740-1 issued to the Voluntary Group Trust
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Important Notice800-620-5010
www.SpiritDental.com
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