Spirit Dental  Insurance in
California

Shopping for the best dental insurance plan in California shouldn’t make your head spin. You just want coverage that works when you need it, preventive cleanings that keep your smile radiant and low-cost premiums that keep your budget intact.  

Welcome to Spirit Dental & Vision for Californians. Whether you're in Los Angeles, the Bay Area, Sand Diego or anywhere in between, our dental plans keep things simple:

• No waiting periods—immediate full coverage that starts tomorrow
• Flexible PPO plans—Ameritas provider access with 25-50% reduced rates
• Comprehensive dental benefits—high annual maximums, lifetime deductible

Get the coverage you deserve at a friendly price and enjoy the peace of mind that comes with it. Your smile is absolutely worth it.

Shop affordable dental insurance plans today. 

Dental insurance plans in California that go further

Dental work in California gets expensive. But with the right dental plan, your costs are lowered, your care is better and your confidence is restored. Not every dental plan is built the same—especially in California.

Many dental coverage options may look affordable but fall short when major care is needed. 

With Spirit Dental, we put your needs first.

Instant dental coverage with no waiting periods

Tooth pain and cavities don't wait—why would your dental plan? When you need dental services, you should have benefits that make it easy to access care. Our no waiting periods policy is a game changer. And it's nothing new.

Since 2002, Spirit Dental has been a leader in the dental insurance industry with no waiting period plans, because it simply just makes sense. Whether it’s an unexpected toothache, restoring a crown or a preventive cleaning, you don’t have to wait to be covered.

With next-day effective dates, this immediate access to care means you can start benefiting from our range of major dental service coverage without delay. Our dedication to offering convenient, hassle-free dental care for everyone sets us apart in the world of dental insurance. From routine checkups to more significant procedures, choosing our California dental insurance with no waiting period means coverage is ready when you are.

Comprehensive coverage for California families

Choose Spirit Dental for family dental insurance that covers each family member’s dental needs. From the little ones needing children's orthodontics to adults requiring complex dental work, we have a plan for you. Our family-focused plans are tailored to provide peace of mind and optimal dental health for your loved ones.

• No waiting periods for children's orthodontics
• Up to 3 preventive cleanings covered 100%
• Flexible coverage for growing kids and adult needs
• Transparent pricing—know what you're getting

For affordable dental insurance in California that covers the whole family and grows with you, choose a plan you can trust. Not looking for family coverage? We also offer dental insurance specific to: individuals, seniors, students and more.

Dental implant insurance in California

We understand the importance and impact dental implants can have on your quality of life. That's why Spirit Dental offers specialized implant coverage as part of our effort to provide insurance for a range of major restorative dental services. 

Our comprehensive  no wait dental implant coverage not only caters to your immediate dental needs but also considers your long-term oral health. By choosing Spirit Dental for your implant needs, you're opting for a solution that blends durability, functionality, and visual appeal.

Our California dental insurance plans are designed to be both affordable and robust in their coverage, making high-quality dental care accessible to everyone. 

California dental insurance plans for open enrollment

Open enrollment for many across California is here and don't forget about dental and vision coverage. If your health plan doesn't include full dental benefits, you could be missing out. Standalone dental insurance plans are perfect to pair with any ACA or Medicare plan, can be purchased anytime of year and might even provide more savings when you need care. 

Our Free Open Enrollment Dental Insurance Guide gives you simple steps to make a confident choice—including what to look for before you enroll and how to avoid costly surprises. 

If you'd like further help comparing plans for checking your dentist, our licensed Spirit Dental experts is here to support you every step of the way. No pressure. Just friendly guidance.

Frequently asked questions about California dental insurance

The process of finding the right dental plan often comes with questions. Here are answers to a few frequently asked questions that will provide some helpful guidance for choosing dental insurance in California:

How much does dental insurance cost in California?

The cost of dental insurance in California can vary based on several factors such as the type of plan, coverage options, provider network, location and individual or family enrollment.

With Spirit, basic dental insurance plans can start from $20.92 to $30.64 per month per individual, while comprehensive plans with more extensive coverage cost around $40 per month. It's important to compare different plans and consider your dental care needs when determining the cost that fits your budget.

See what's new in Spirit Dental insurance plans 2025.

What is the highest annual maximum dental insurance plan in California?

The highest annual maximum dental insurance plan available in California typically varies depending on the insurance provider and the specific plan. Annual maximums refer to the maximum amount of money an insurance plan will pay for covered dental services within a year. While maximums can vary, some comprehensive dental insurance plans in California offer annual maximums ranging from $1,000 to $3,000—Spirit Dental offers a $5,000 annual maximum in year three.

Does dental insurance start right away in California?

It depends on the dental insurance company. Many plans require 6-12 months before major services are covered. With Spirit Dental, our dental insurance in California comes with no waiting periods built in. With next-day effective dates, you can enroll today and have coverage begin as soon as tomorrow. You can also choose the date you'd like the plan to begin.

Which is better: PPO or HMO dental insurance in California?

PPO plans provide more dentist choice, including specialists, and also include out-of-network benefits. HMOs can be cheaper but are more restrictive. Spirit Dental offers low-cost PPO dental plans, as well as Spirit Flex plans with PPO + UCR coverage—giving you even more control and flexibility with in-network or out-of-network dentist choice. 

Find a dentist near you and start saving.

Get started with Spirit Dental

Life moves fast. Dental coverage should too. Spirit Dental gives you flexible PPO access, popular pricing and benefits you can count on, so you can focus on what matters most.

Get the coverage you deserve without hassle. Get your free dental quote today.