Can I have 2 dental insurance plans?

Yes! Oral health is integral to overall health and good oral health is an important component to your overall wellbeing. Some people might say, “I’ll just use a savings account to cover dental expenses”, and while self-insuring may be a good plan for some, most do not follow-through with preventive care and find themselves needing insurance later on for costly major work. On top of that, when you’re not insured, you aren’t gaining access to discounted rates that insurance companies are given for services, meaning you’ll be paying much more for dental care. If you would like to, you can purchase 2 dental insurance plans. This is called “dual coverage”. Spirit Dental does not coordinate benefits, meaning that we determine coverage based off the entire procedure and do not check if another insurance company has covered a portion of the procedure.

What is the best dental insurance for individuals?

The best dental insurance plan for you will depend on the services you need. Spirit Dental & Vision plans are tailored to individuals: we offer no waiting periods for any services, every day effective dates, and high annual maximums that cannot be found with typical private dental insurance coverage.

What is the cheapest dental insurance?

The price of dental insurance will vary by brand and by plan within brands. Spirit Dental & Vision offers affordable dental insurance policies.

Family Dental Insurance Plans

With the right family dental insurance, you can save money whenever anyone in your family needs routine care, basic or major services or orthodontics.

A mother with two young kids smiling about family dental insurance

No Waiting Periods

Large Network of Providers

$100 Lifetime Deductible

Choice of In-Network or Out-of-Network Providers

$5,000 Max Coverage Year 3

Choice of In-Network or Out-of-Network Providers

$5,000 Max Coverage Year 3

Dental insurance for your family

If you’ve hesitated to get family dental coverage in the past, consider that you can find comprehensive and affordable family dental insurance plans at Spirit Dental.

Why family dental insurance is a good investment

Maintaining oral health is important at every age. Unfortunately, dental care can get pricey — especially if every family member sees their dentist more than once a year for checkups and cleanings. And if cavities need to be filled, wisdom teeth need to be extracted, or braces are required to fix malocclusion, your wallet can certainly take a hit if you aren’t insured.

While a routine exam and X-rays might cost $100 or more, major services might cost hundreds — or even thousands — of dollars. Orthodontics may cost you thousands as well. Consider, too, that emergency dental care can put a lot of strain on your budget. So, in addition to anticipated dental care, you also need to consider the potential costs of unexpected treatments you might need from a dentist or specialist.

The solution is simple: affordable family dental insurance can give you peace of mind that’s priceless.

Spirit dental insurance plans for families and kids

Here's what you can expect from our family dental plans with no waiting period:

Two exams and three cleanings are covered each year for every member of the family
Immediate coverage for major services like wisdom teeth extractions
Coverage for children’s orthodontics from day one
Up to a $5,000 annual maximum
Choose any dentist or specialist

Get your free quote for family dental insurance today.

Spirit dental insurance for children

At Spirit, we believe that starting early is the key to long-lasting oral health. Sure, you can brush your kid’s teeth and gums daily, but that’s only one step that you can take to ensure those teeth will remain healthy. Nothing beats the expertise of a dentist who knows how to thoroughly examine a youngster’s mouth for early signs of problems.

Periodic checkups and oral health education are the ideal strategies for preventing dental issues before they start. Plus, getting your child used to trips to the dentist can help them establish habits they’ll take into adulthood.

While we don’t have specific dental plans for kids, all children are covered when you opt for a family dental insurance plan. Once enrolled, all major plan details will be the same for everyone on that plan.

Age-specific information*

With Spirit family dental coverage, you can rest assured that you’ll get the financial support you need when taking your kids to the dentist. Whether they need to go in for an annual checkup, they need a professional cleaning, or they’re ready to get braces to achieve a straight and beautiful smile, the right kids' dental insurance plan will have you covered.

But there is some age-specific information to keep in mind with dental insurance for kids:

For children to be eligible for coverage, the main plan applicant must be 18 years of age or older.
Children are eligible for coverage under the Individual+1 and Family plans. Applicants must be at least 18 years of age to enroll, and dependent children are eligible up to the age of 26.

Additional Resources

Need more information on how to keep your family’s teeth and gums healthy? Here are a few articles related to dental insurance for children:

Orthodontics for kids are also covered

As your kid’s permanent teeth come in to replace the baby teeth, you might notice that they aren’t growing properly. For example, the teeth might be crowded or crooked, or there might be too much space between them. Beyond that, the bite might not be in proper alignment if there’s an overbite or an underbite. In all of these cases, failing to fix the problem might lead to complications in the future, and your child won’t have the lovely smile they deserve.

With a Spirit Dental plan for kids, you can rest assured that you'll be covered if your child needs braces. And that’s important because, on average, braces could cost anywhere from $3,000 to $7,000!

If you’re interested in learning more about dental insurance for children’s orthodontics, visit our orthodontic insurance page.

Additional Resources

Need more time to consider orthodontics for your kids? Here are some of our informative blogs.

Frequently asked questions about family dental insurance

We know you have questions about family dental insurance and dental insurance for kids. We have answered some of the most common questions we receive about family dental plans below.

What are the 4 main categories of dental coverage?

The four main categories of dental coverage are:

Preventive Care: This includes routine check-ups, cleanings, X-rays, and other basic procedures to help prevent dental problems from developing.
Basic Procedures: This covers common dental procedures such as fillings, extractions, and root canals.
Major Procedures: This covers more complex dental procedures such as bridges, dentures, and crowns.
Orthodontic Care: This covers orthodontic treatment such as braces or clear aligners.

How do I choose a family dentist?

There are many things to consider when searching for the right dentist. It’s wise to see a professional with a positive reputation, years of experience, and the ability to provide top-quality care with the latest tools and technology. Also, remember that some dentists work with children and adults, while pediatric dentists focus on kids. You can look through your insurance provider’s network to find a dentist to help you save.

At what age should you get dental insurance for a child?

Dental insurance for kids is essential, whether your child is an infant or a teenager. The American Academy of Pediatric Dentistry recommends that children visit the dentist by their first birthday or within six months of getting their first tooth.

It is important to bring children in to see the dentist twice (or more) annually for regular exams and cleanings to ensure everything is growing into place properly and to avoid tooth decay and other future problems. Family dental insurance can help cover the costs of this preventive care and provide peace of mind for your little one’s smile.

Where can I get dental insurance for my kids?

Spirit Dental & Vision plans are great for children, and our family dental plans provide coverage for all your dependents, whether you have one or 5+ children!

Can I have two dental insurance plans?

Dual coverage, which involves having two dental plans, may be possible if you’d like to take that route. However, you can’t buy two separate Spirit Dental plans. Also, we don’t coordinate benefits or check if another insurance provider has covered a portion of a procedure. Instead, we determine coverage based on the entire procedure.

What is the cheapest family dental insurance plan?

With a wide variety of policies to choose from, you can turn to Spirit Dental when you want an affordable family dental plan that will be affordable and give you the right amount of coverage. Contact us if you need help selecting the ideal plan for you and your budget.

Sources:

https://www.cdc.gov/oralhealth/children_adults/child.htm

*Spirit Dental is not a child-only dental plan. This plan requires the main applicant to be at least 18 years of age to be eligible for coverage. Minor children between the ages of 0 and 17 may apply for coverage, as long as a parent or legal guardian is enrolling in the dental plan. Our Denali Dental plan DOES have a Child-Only option. To get a quote for a Child Only plan, please visit the following website: Denali Dental.

Frequently asked questions