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.

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Why dental insurance?

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.

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What is Spirit Dental?

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.
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The Carrier: Security Life

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
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Why Spirit Dental?

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

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Spirit Dental Highlights

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
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What plans are available?

Spirit Indemnity Dental Plan Spirit Careington PPO Dental Plan Optional Spirit Vision Plan

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Indemnity Dental 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
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Indemnity Covered Services

Preventive Services Two exams per calendar year Three cleanings per calendar year Basic Services Space maintainers One series of bitewing x-rays per year Sealants (children to age 16) One topical fluoride per year to age 16 Major Services Simple extractions Implants (endosteal only), up to the allowance for the lowest cost covered traditional procedure One diagnostic x-ray, full or panoramic in any 3 year period Oral surgery Endodontic treatment Periodontic services Restoration services; inlays, onlays and crowns Prosthetic services; bridges and dentures Basic fillings

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Why Choose a PPO Dental Plan?

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.
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Careington Maximum PPO Network

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

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Careington PPO Covered Services

Preventive Two exams per year Three cleanings per calendar year Basic Space maintainers One series of bitewing x-rays per year Sealants (children to age 16) One topical fluoride per year to age 16 Major Simple extractions Implants (endosteal only), up to the allowance for the lowest cost covered traditional procedure One diagnostic x-ray, full or panoramic in any 3 year period Oral surgery Endodontic treatment Periodontic services Restoration services; inlays, onlays and crowns Prosthetic services; bridges and dentures Basic fillings
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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.

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Maximums and Deductibles

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.

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Optional Spirit EyeMed Vision Care

Spirit Dental & Visions 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 nations top optical retail brands Vision plans not available in Maryland
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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.
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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.
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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 Insured only Insured & 1 person Insured & 2 or more
Under age 65 Age 65+

$7.81 $13.17 $18.83

$8.98 $15.14 $21.65

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Factors that determine your rate

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.
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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

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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

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