Find Affordable Dental Insurance for Your Needs

At Spirit Dental, you’ll find several low cost dental insurance options to suit every budget. Whether you’re a senior on Medicare, an individual whose employer doesn’t provide dental benefits, or a family with kids who need braces, there’s a policy for everyone.

How can Spirit Dental help you save?

With Spirit Dental, you won’t need to put off seeing the dentist because our plans are designed to help you get the preventive care, basic services, and major services you need to keep your whole mouth healthy.  

Here are some of the ways you can save:


Spirit Dental low cost insurance plans offer a host of perks

Just because you want cheap dental insurance doesn’t mean you need to sacrifice top-quality, comprehensive coverage. At Spirit, you can get a great plan at a price you can afford. And we offer the following perks:

Guaranteed acceptance

Whether you need affordable family dental insurance or a plan that covers an individual, we guarantee that your application will be accepted. It’s that simple.

Coverage starts right away (no waiting period)

Some insurers make you wait to start reaping the benefits of your plan, but we don’t do that. Once enrolled, you can start using your plan on the 1st or 15th of the month, depending on when it was purchased. That’s right: affordable dental insurance with no waiting period!

Choose your dentist

We know that finding a good dentist can take time, so once you’ve found one, you probably won’t want to stop using them. That’s why, with some of our dental plans, you have the option of choosing any dentist, rather than being limited to a small network of providers. 

Affordable dental insurance for every budget and preference

Insurance can help you save a lot of money when it comes to preventive care and restorative treatments. Plus, you never know if you’ll end up needing emergency dental care that could be shockingly pricey.  

Bottom line: There are many reasons to enroll in dental insurance. The right coverage can help ensure you won’t need to stretch your wallet, whether it’s a routine visit or an emergency appointment. 

At Spirit, you can choose from Choice and Network plans to get the ideal amount of coverage even when you’re searching for the cheapest dental insurance in your area.   

Spirit Choice plans

Fee-for-service plans offering the most flexible coverage.

Plan features:

  • Receive reimbursement for dental services performed
  • Get 50-100% of expenses covered, for most services
  • Visit any dentist of your choice with no network limitations

Spirit Network plans

Highest cost savings with participating dentist network.

Plan features:

  • Choose from a large network of dentists for the most cost-savings
  • Enjoy lower out-of-pocket costs through negotiated network fees
All of our plans use the Ameritas Network. If you don’t already have a dentist, you can browse the network to find one.

Compare Spirit Dental to other carriers to see how much you can save


See how our coverage and costs stack up against other popular dental insurance companies:

Spirit Dental AARP Humana
Cost $36 - $70 Per Month $45 - $75 per Month $20 - $48 per Month
Deductible $100 $100 $150
Maximum Benefit $1,200 - $5,000 $1,000 - $1,500 $1,000 - $1,500
Vision Yes No Yes
Choice of Any Dentist Yes No No
Dental Implants Yes No No
Child Orthodontia Yes No No

Get affordable dental care with Spirit Dental

When you’re ready to sign up for the best affordable dental insurance, we’re here to help. Simply contact us to learn more. Our licensed agents are excited to help you find the plan that gives you the coverage you want at a price that works with your budget. 
Want to see just how affordable Spirit dental plans can be? Get a quote online. If you like your options, you can begin the application whenever you’re ready. It takes a few minutes, so the whole process is quick and easy.  

*The $5,000 annual maximum plan(s) may not be available in all states.  


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  • 6/1/2022
I had an overall great experience with Spirit Dental Insurance. No waiting period, no pre-approval on major services, everything went smoothly.

Amina K.