Choosing a Dental Insurance Plan

Spirit Dental Insurance is there for you when you need it!

Choosing a dental insurance plan can be overwhelming. That’s where this page comes in handy. Whether you are very familiar with dental insurance plans or need a refresher, we’ve created a guide to help walk you through all of Spirit’s options along with links that provide more information. Still have questions when you’re done, that’s ok, chat with a licensed specialist or find your plan here.

Choice vs. Network Plans*

The difference really comes down to coverage. Network plans act as PPO plans, providing you with the option to visit a certain selection of in-network dentists. For this plan, monthly premiums and out of pocket costs are lower. Choice plans are exclusive to Spirit and don’t follow the normal PPO/HMO guidelines. These plans provide coverage but don’t limit you to a network or selection of dentists. The monthly premiums and out-of-pocket costs are slightly higher, but the trade-off is the flexibility the plan provides.

Plans for Families, Individuals, and Seniors

Every Spirit dental plan allows for three dental cleanings annually, as well as two exams per year. Plus, there is coverage for major dental services, along with a dental insurance annual maximum of up to $5,000. And with our no waiting period dental insurance, you won't have to worry when you need immediate care! And with our no waiting period dental insurance, you won't have to worry when you need immediate care!

The right Spirit plan can cover your entire family, ensuring that every member of your household is able to receive the preventative care that will keep their smile bright and beautiful.

Concerned your child might need braces? We’ve made sure that coverage is available in our Network plans:

Even if you are searching for an individual dental care plan, Spirit has you covered. Like all of our other plans, you can expect to get the care and cleanings you need annually, and you will only have a one-time $100 deductible. Hello, savings!

Seniors shouldn’t ignore their dental health either, but their limited budgets can often prevent them from getting the coverage that they need. With Spirit, though, you won’t run into any age limits, and you can enjoy guaranteed acceptance. So you can get your checkups, cleanings, and other major services, including implants, to help your teeth remain youthful and strong.  


Each plan includes a one-time, $100 deductible along with a monthly premium. The deductible will be incurred during your first visit. One thing that sets Spirit apart is that this $100 deductible only has to be paid once, no matter how long you have your plan. Most insurance companies make this an annual occurrence, which can add up over the years.

*Each plan has a different monthly premium. Find a plan to see what that monthly cost looks like in your state.

Effective Start Date

"The Spirit Dental Individual Plans offer Every Day Effective Dates so you can choose a start date that fits your needs. Do not cancel any other insurance or assume you are insured under this plan until you receive written confirmation. Please note your enrollment may take 4 business days to be processed and accessible through any network providers.

What Plan Is Right For You?

All plans cover preventive and basic dental care along with implants and major services. When considering a plan, you need to weigh the options. Do you know you might need bridgework or a major service in the upcoming year? Does your kid play a contact sport which could result in losing a tooth? You can’t plan for all situations, but you can be prepared for them. When selecting a plan, you might want to compare different options in the quote process to review coverage details and monthly premiums.

Regardless of which option you choose, all plans were created to be affordable, so even our most expensive option is still very budget-friendly. 

No matter what plan you choose, you’ll have peace of mind when it comes to getting the professional care that’s necessary to keep your entire mouth clean and healthy!