Individual Dental Insurance Plans

Oral health is essential at every age, and seeing a dentist regularly is a must, in addition to brushing and flossing daily.

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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



Unfortunately, even routine dental care can be shockingly expensive, especially if you don’t have insurance to help cover the cost. Individual dental insurance plans are designed to help you save money, whether you have to go to the dentist for a checkup and cleaning, you have a cavity that needs to be filled, or you need to have a tooth extracted and replaced with an implant. 


Spirit Dental has an individual dental plan for you

Spirit Dental Flex and PPO plans offer coverage to fit your needs, from budget-friendly to flexible provider options. Our dental plans for individuals can make a difference in your oral health.


Can dental plans for individuals help reduce dental costs?

Absolutely! But not all dental plans for individuals are created equal, so shop with care. Selecting a plan simply because it has a low monthly premium might leave you wanting more when it comes to actual coverage for expensive procedures.

Also, scheduling appointments for routine dental exams and treatments is one thing, but it’s vital to consider that problems sometimes develop quickly and unexpectedly. You might end up with a severe toothache requiring a root canal or accidentally chip or crack a tooth. In those moments, you'll be really glad you have insurance!

With the right coverage, such as one of the dental insurance plans for individuals offered by Spirit, you can enjoy greater peace of mind because you won't have to sacrifice receiving the highest quality care whenever you need it, even in the event of an emergency.


Which dental insurance is good for individuals?

If you're an individual in search of a policy that will cover your needs without breaking the bank, Spirit has several great dental plans for individuals to consider. Once you're all signed up, you won’t need to delay getting treatment if you're experiencing symptoms, and you'll be able to see the dentist regularly to catch problems in their earliest stages. Perfect!

Some of the perks that come with our affordable dental individual insurance plans include:


 

Check out our Flex and PPO plans to compare their costs and benefits when you're ready to start looking for dental insurance only for yourself. Here's a brief breakdown of what these types of plans have to offer:


Spirit Flex dental insurance plans

Do you want to be able to select any dentist without needing to stick with providers in a network? Then a Spirit Flex Dental Plan might be precisely what you're looking for.

This is known as a fee-for-service plan, so you'll be reimbursed for your dental services. The reimbursements will vary, but this individual dental insurance policy may cover 50-100% of the cost, which can help you save quite a bit.

Something to consider: You may need to cover the difference if you see a dentist who charges more than our fee schedule allows.


Spirit PPO dental insurance plans

If you don't mind selecting a dentist from a network, the Spirit PPO Dental Plan is here to help you save money.

This plan can help you reduce out-of-pocket costs by seeing in-network dentists. If you receive care from an out-of-network dentist, the plan might not cover as much, and your out-of-pocket costs may be higher.


FAQs about individual dental insurance

We know you may have questions about individual dental insurance. We have answered some common questions below to help you better understand.


What is the best individual dental insurance?

The best individual dental insurance will depend on your specific dental needs and budget. It's important to compare plans and providers to find one that offers the coverage you need at a price you can afford. Look for a plan that offers coverage for preventive care, basic procedures, major procedures, and orthodontic care, if needed. Consider factors such as deductibles, co-payments, and annual maximums. It may also be helpful to read reviews or ask for recommendations from friends or family.


How much does individual dental insurance cost?

The cost of individual dental insurance varies depending on factors such as your location, age, and the type of plan you choose. Spirit Dental offers a variety of coverage options to fit any budget. When you choose one of our dental plans for individuals, your monthly premium might be anywhere from $36 to $70. This rate will be based on various factors, such as where you’re located and the plan you select. In addition to a monthly premium, all Spirit Dental plans have a one-time deductible of just $100. Our dental insurance plans also provide high annual maximums ranging from $1,200 to $5,000. Reach out to us today if you have any questions about our annual maximum dental insurance.


Do you have tips on how to choose individual dental insurance?

Here are some things to consider when you choose individual dental insurance:


  • Assess your dental needs: Determine what kind of dental care you need and what procedures you are likely to require in the future.
  • Check coverage: Look for an individual dental insurance plan that covers the procedures you need, including preventive care, basic procedures, major procedures, and orthodontic care if necessary.
  • Compare plans: Compare plans from different providers to find one that offers the coverage you need at a price you can afford. Look at factors such as deductibles, co-payments, and annual maximums.
  • Check provider networks: If you have a preferred dentist or dental specialist, check that they are included in the provider network of the plan you are considering.
  • Read reviews: Check online reviews or ask friends or family for recommendations to get an idea of the quality of service provided by the insurance provider.

Can you get individual dental insurance anytime?

Yes! Unlike medical insurance, which you can usually only purchase during open enrollment, private individual dental insurance offered by companies like Spirit can be purchased anytime throughout the year. You can start the enrollment process whenever you're ready to sign up for a stand-alone dental plan. It’s that simple. 


How long does it take for individual dental insurance to work?

One thing to remember is that some dental insurance companies offer plans with waiting periods that could last anywhere from a few months to over a year. Basically, after you sign up, your coverage won't immediately kick in. This can be super frustrating.

Dental insurers will cover preventive care, basic services and major services. Some individual dental insurance plans might impose a waiting period on all categories of care, while others might only require a waiting period for certain types of care.

To avoid the headache, confusion and hassle of having to wait to see the dentist after becoming insured, just search for no waiting period dental insurance, like the plans offered by Spirit Dental. On the first day that your insurance becomes active, you'll be able to see the dentist.


Spirit Dental has the individual dental insurance plan that’s just right for you!

Ready to start shopping for full-coverage dental insurance that will give you exactly what you need at a price you can afford? You can sign up for a Spirit Dental individual dental insurance plan online, which only takes a few minutes. It's fast and easy to get dental insurance quotes online.

Once you’ve signed up, you’ll receive your ID card in the mail in about 10 business days. Then, on the effective date of your policy, you can make seeing the dentist more affordable.

Have questions? We're here to help! Contact us anytime for support and guidance. 

 

 

Sources:

https://www.cigna.com/individuals-families/plans-services/dental-insurance-plans/

https://www.uhc.com/dental-vision-supplemental-plans/dental-insurance 

https://www.deltadental.com/us/en/product/individual-dental-insurance.html

https://spiritdental.com/dental-insurance/affordable-dental-insurance


 


Get your free quote!

  • 5/1/2024
Questions about our plans? Call us: (844) 833-8440

Get a dental quote fast

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

  • 5/1/2024

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