Dental insurance plans the way you want them

Get affordable, full coverage dental plans with no waiting periods

Top-rated by trusted names

Spirit dental insurance has you covered

No waiting periods

All Spirit dental plans offer immediate dental coverage on preventive, basic, major, and orthodontic services with every day effective dates.

Dental implants

Spirit offers full-coverage* dental insurance plans with immediate benefits for dental implants, crowns, root canals, bridges, and more.

PPO dental plans

Save 25 - 50% with Spirit PPO dental plans. Spirit PPO dental plans are part of the Ameritas network of 132,000 dental providers at 592,000 points of access nationwide.

Up to $5000 max

Take your dental savings further with high annual maximums and get the dental procedures you need to keep your teeth, gums, and mouth healthy and strong.

Spirit Dental insurance supports your overall wellbeing

The health of your teeth and gums is linked to overall health, and the best dental insurance plans make taking care of your mouth easy and affordable. Spirit Dental insurance plans offer many advantages, including:

Spirit Dental plans also provide you with comprehensive implant coverage available on the first day of your plan's start date. Your pain doesn't wait, why should you?

You have options with Spirit Dental insurance

To help you keep your oral health on track, Spirit Dental offers a range of affordable dental insurance plans designed to fit your unique needs.

Your choice of dentist from an extensive network of providers
Selection of in-network or out-of-network plans
Option to bundle vision for only $7 per month

We have plans for individuals, families and seniors.

The best dental insurance on the market

Dental insurance for everyone

Spirit makes it easy to get the dental care you need with unique benefits like no waiting period dental insurance on all plans, lifetime deductibles and high annual maximums.

Watch the video below to learn more.

With our dental insurance plans:

Choose Your Own Dentist

No Waiting Periods*

Implant & Major Services Covered*

Three Cleanings Per Year

Amina K.

I had an overall great experience with Spirit Dental Insurance. No waiting period, no pre-approval on major services, everything went smoothly.

Richard K.

Your Spirit representative was a warm and intelligent agent. To have someone be able to professionally explain insurance to you and keep things light is extremely refreshing!

Cindy R.

I'm so grateful I found out about Spirit Dental. It was the only plan I could find that had a ‘no waiting period.’ Everyone I've ever encountered at Spirit Dental has been professional, knowledgeable, and friendly. I highly recommend this company.

Get the best dental insurance for you with Spirit Dental

If you're looking for a dentist, all dental insurance is not created equal. Spirit Dental insurance plans provide a wide range of affordable dental plans and benefits like student dental insurance. Our dedicated dental experts will help you find the best dental plan for your situation.

Compare Spirit Dental to other dental insurance plans, and you'll see our difference for yourself. Your smile is worth it. Get a quote to find dental plans online today!

Dental insurance FAQs

Review the most frequently answered dental questions

Is there any age limit for dental insurance?

You must be 18 years of age to be the dental plan primary policy holder. Your spouse/domestic partner and unmarried children up to age 26 are also eligible. There is no upper age limit for our dental policies.

How quickly can I start my dental coverage?

The Spirit Dental individual dental insurance plans offer every day effective dates so you can choose a start date that fits your needs. Choose the dental plan that works best for you and your family. You will receive an email confirmation immediately following your enrollment to verify your dental plan enrollment and policy. Your dental policy will arrive within 10 business days of enrollment.

IMPORTANT NOTICE: Your dental enrollment may take 2-3 business days before it becomes accessible in the carrier's system. To verify benefits, please call Ameritas customer service at (800) 487-5553.

When will I get my dental plan ID card?

Please allow 10 business days to receive your dental plan information in the mail.

How long will the dental plan enrollment process take?

Signing up for dental insurance online takes only a few minutes.

When can I start using my dental insurance plan?

You can start using your dental insurance plan on the effective date of the policy!

* There are no waiting periods on preventive, basic, or major services for Spirit Dental Insurance Plans

**If an insured has lost one or more teeth prior to this policy effective date, we will not pay for a prosthetic device that replaces such teeth unless the device also replaces one or more natural teeth lost or extracted while covered under this policy.