Affordable dental insurance plans

When comparing dental plans, make sure coverage for preventive, basic and major dental work matches with both your current and future dental needs. Review annual maximums, waiting periods, coinsurance, how much the plan costs and whether the plan offers access to a strong provider network with discounted rates and options for out-of-network care if needed.

Yes. Spirit Dental plans are designed with no waiting periods, so coverage for preventive, basic and major services begins on day one of your plan’s effective date. This means you do not have to delay essential care. Select plans offer immediate coverage for implants and child orthodontia. Please check plan details in your state as plan coverage varies by location.

Spirit PPO plans are usually best if your dentist is in-network with the Ameritas Dental Network where you can save 25-50% on out-of-pocket costs. Spirit Flex plans are better if you want the freedom to see any dentist with out-of-network claims paid using usual and customary rates (UCR) based on what 8 out of 10 dentists in the area charge.

Yes. You can add EyeMed vision coverage to your Spirit Dental plan, allowing you to bundle dental and vision benefits in one package. This makes it easier to protect both your smile and your eyesight in one package. Spirit Vision is available in most states. Please visit our Spirit Vision page for details.

Yes. You can enroll in a Spirit Dental plan online in just a few minutes and you do not have to wait for an open enrollment period to sign up. While costs vary by location, the specific plan you choose and who you are covering, many individual plans fall around $30-$50 per month. Spirit Dental plans include a lifetime deductible you only pay once, high annual maximums and in-network discounts that help keep overall dental care costs more affordable.