Supplemental Dental Insurance

Supplemental dental insurance acts as a valuable ally in managing the costs of dental care beyond what your primary dental plan covers. It's designed to step in where your standard policy may fall short, providing extra financial protection against unexpected dental expenses.

This type of insurance is particularly beneficial for those who require more extensive dental work, ensuring that you're out-of-pocket costs remain low for major treatments. By offering coverage for services that may not be fully covered by your primary insurance—including dental insurance for implants—supplemental dental insurance helps keep your smile bright and your dental health in top condition without breaking the bank.

Find the right dental coverage this open enrollment

Open enrollment is here—make the most of it by securing a dental plan that fits your needs! Our comprehensive Dental Insurance Open Enrollment Guide for Medicare and ACA shoppers walks you through everything you need to know about choosing the right dental coverage. 

Enjoy the benefits of our supplemental dental insurance plans

Choosing Spirit Dental's supplemental dental insurance plans means investing in your dental health without compromise. Our plans are designed with your needs in mind, ensuring you receive comprehensive dental coverage from day one. Here are some of the standout benefits:

●     Immediate coverage: Say goodbye to waiting periods for preventive, basic, major and child ortho services.

●     No coordination of benefits: Unlike most dental plans, Spirit does not coordinate benefits and will pay based on the full claim.

●     High annual maximums: Enjoy the freedom of high annual maximums up to $5,000, allowing for more significant coverage.

●     Choice of providers: Whether you prefer an in-network dentist or an out-of-network provider, you have the flexibility to choose.

●     $100-lifetime deductible: One of the lowest deductibles around, making your dental care more affordable.

●     Optional vision coverage: Easily add vision coverage to your plan for complete care in one package.

●     No hidden fees: Transparency in all our dealings ensures you know exactly what you're getting.

Affordable supplemental dental insurance from Spirit Dental

Finding affordable supplemental dental insurance is crucial because it fills the gaps left by your primary dental insurance, covering additional types of procedures or the remaining expenses that your primary plan doesn't cover. If you are worried about the high costs associated with dental care, supplemental insurance ensures you're not left with significant out-of-pocket expenses for treatments like dental implants, child orthodontics or dentures.

When you're shopping for supplemental insurance, our dental plans stand out as a top choice. All of our affordable dental insurance plans are designed to balance cost and coverage, ensuring that you get the most value for your investment in dental health.

Get a free supplemental dental insurance quote today

If you want to find out how much Spirit Dental supplemental dental insurance with no waiting period will cost you, it's fast and easy to get dental insurance quotes online. Find out how much Spirit Dental can save you and get immediate dental insurance coverage for you and your family today!

Get peace of mind with our supplemental dental insurance

With affordable supplemental dental insurance, you can rest easier knowing you'll have help paying for expensive dental procedures that are not fully covered by your primary insurance.

Frequently asked questions about supplemental dental insurance

Who qualifies for supplemental dental insurance?

Supplemental dental insurance can benefit individuals not covered by employer dental plans, those on Medicare or anyone with primary dental policies with gaps in coverage. These plans can boost your coverage, filling in the gaps where primary policies may not provide sufficient benefits, especially for major dental work or specific procedures like child orthodontics​.

What types of supplemental dental insurance plans are available?

You can purchase PPO, HMO, indemnity or a savings plans to help lower your out-of-pocket costs with your primary plan. PPO plans provide a large network with reduced negotiated rates. HMO plans, on the other hand, use a network of providers to offer reduced rates and less paperwork for the insured​. Indemnity plans offer the freedom to choose any provider but may require upfront payment and subsequent reimbursement. And savings plans work just like coupons to help you save money on specific procedures. 

How does supplemental dental insurance work with primary insurance?

One of the great advantages of choosing a Spirit plan is that we do not coordinate benefits and pay based on the full claim. We recommend filing with your primary insurance first and then filing with Spirit second to get the best benefit out of both plans. Our plans will not look to see what the primary insurance has paid on the claim.

Can supplemental dental insurance cover services not typically covered by primary insurance?

Yes, supplemental dental insurance can cover services not included in primary insurance policies, such as child orthodontic services, dental prostheses and implants. However, cosmetic procedures like veneers, teeth whitening, and gum reshaping are generally not covered​​.

Is it worth getting a dental savings plan as a form of supplemental insurance?

While dental savings plans are not insurance, they can be an effective supplement by providing discounts on dental services within a network of providers. These plans offer savings, especially for treatments not covered under a traditional dental insurance policy, without the need to deal with insurance claims​​.

Enjoy better health with Spirit Dental supplemental dental insurance

At Spirit Dental, we understand that waiting for dental coverage can be as painful as the dental issue itself. That's why we offer dental insurance with no waiting periods, ensuring you get the care you need, exactly when you need it. Our comprehensive coverage options, including supplemental dental insurance and coverage for insurance for major restorative care, are designed to keep you smiling without worrying about the cost. And with our competitive rates, we make sure that affordability is part of your dental care plan. Ready to join a dental insurance plan that puts you first? Get a quote today and experience the Spirit Dental difference.