Is Spirit Dental Insurance Legit ?: A Legitimate Company with Solid Backing
To begin, let’s acknowledge the obvious: Spirit Dental is indeed a legitimate insurance company.
Having been established in 1995 and being based in Texas, it holds over two decades of experience in the dental insurance field.
Moreover, Ameritas Life Insurance Corporation underwrites Spirit Dental’s policies, and it is a reputable carrier with an A+ rating from the Better Business Bureau.
Additionally, it boasts strong financial stability ratings from both Standard & Poor’s and A.M. Best.
This financial support provides reassurance, ensuring that your claims are in capable hands.
Is Spirit Dental Insurance Legit; Coverage: What’s In, What’s Out?
Cost Considerations:
Customer Reviews of Spirit Dental
Positive Feedback:
Extensive Dentist Network: Many customers applaud the wide network of dentists, valuing the freedom to choose any dentist.
No Waiting Periods: Immediate access to coverage for preventive care is highly appreciated by many.
Robust Coverage for Major Procedures: Plans offering substantial coverage for crowns and bridges provide peace of mind to customers.
Concerns Raised by Customers:
High Deductibles: Some plans come with high deductibles, requiring a significant out-of-pocket payment before the insurance takes effect.
Limited Coverage for Certain Procedures: Certain plans lack coverage for orthodontics or provide limited coverage for implants.
Customer Service Issues: Some customers express concerns about challenges in claim processing and communication with customer service representatives.