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

If you’ve hesitated to get this type of insurance in the past, consider that you can find surprisingly affordable yet comprehensive family dental 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 dental insurance for your family can give you peace of mind that’s priceless. With a family dental plan that covers preventive, basic, and major services like our college student dental insurance plan, you can save a substantial amount of money.

Spirit dental insurance plans for families and kids

What you can expect from our plans:

  • 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

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 insurance plan. Once enrolled, all major plan details will be the same for everyone on that plan.  

Age-specific information*

With Spirit dental insurance for kids, 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.

Children and infant dental care covered 

Dental decay is considered a common condition among kids in the United States. Left untreated, it can lead to toothaches and, worse yet, infections. Over time, your child might even have trouble eating and speaking. That's why you need children's dental insurance.

According to the Centers for Disease Control and Prevention (CDC), roughly 20% of kids between the ages of 5 and 11 and 13% of kids between 12 and 19 have at least one tooth exhibiting untreated decay.

Did you know your child could develop cavities even in their baby teeth? Referred to as early childhood caries (ECC) and also known as baby bottle tooth decay, this condition can wreak havoc on your little one’s teeth, so it’s important to seek the help of a dentist who can provide appropriate treatments. Your dentist can even give you tips on how to prevent further decay. Once the permanent teeth grow in, it’s still important to see the dentist, as those are the pearly whites your child will have for the rest of their life.

Treating problems like gum disease and cavities can help ensure your child’s chompers remain healthy as they grow. The right dental insurance for children could help cover the costs of expensive treatments, so you don’t have to break the bank to keep your kids’ teeth shiny and strong.

Additional Resources

Need more information on how to keep your family’s teeth and gums healthy? Here are a few of our latest blogs.

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. 

When wisdom teeth aren’t perfect, Spirit Dental can help

Ah, wisdom teeth. Sometimes, they aren’t so “wise,” particularly when they don’t grow in perfectly straight. These are the last chompers to erupt, but many teens have impacted wisdom teeth that may damage nearby teeth, as well as pain, infection and other oral health issues.

Even when the wisdom teeth do erupt correctly, they’re difficult to clean because they’re all the way in the back of the mouth. This makes them vulnerable to gum disease and cavities.  

A dentist can keep track of your kid’s wisdom teeth from a young age, particularly with the help of x-rays. If they’re showing signs of being impacted or causing other problems, the necessary steps, such as extractions, could provide relief, and your Spirit dental plan for kids will be there to help cover the cost.

Additional resources

Need more information on wisdom teeth? Check out these helpful blogs →

Frequently asked questions

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.

Can I get dental insurance for just my child?

We are not able to offer dental insurance for a child-only. For children to be eligible for coverage under a Spirit Dental & Vision plan, the primary applicant must be 18 years of age or older. Child-only plans are hard to come by, as many add their child to their private insurance plan. If you are looking for child-only dental plans, they are available with Denali Dental & Vision. 


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. 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 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 a family 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.


    *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.

Get your free quote!

  • 7/1/2024
Questions about our plans? Call us: (844) 833-8440

Dental insurance that starts immediately

Find the best dental plan for you, enroll today and activate next-day benefits with no waiting periods

Need additional help? We’re here for you!

Give us a call, and we'll make it easy choosing a plan that works for you: (844) 833-8440

  • 7/1/2024

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