Supplemental Dental Insurance the Easy Way

What is supplemental dental insurance and how does it work? 

Supplemental dental insurance is coverage you add to your existing health or dental plan to help pay for dental services your other insurance doesn't cover.

Shopping for the best supplement dental coverage can make your head spin with so many options available—should you buy from an exchange or buy standalone? Some health plans offer little or no dental coverage. And even primary dental plans cap benefits at low annual maximums or limit major services, like dental implants. 

That leaves a financial—and health—gap when you need dental care. Supplemental dental insurance fills that gap, so your care is covered and you pay less out-of-pocket. 

How supplemental dental insurance works with your health plan

If you only have a medical plan, supplemental dental insurance becomes your dental benefits:

• Covers preventive, basic and major dental services
• Helps protect your overall health by enabling regular dental care
• Might offer better benefits as a standalone option with better pricing, more coverage and more provider options

It turns a medical plan into complete health protection addressing both body and mouth.

How it works for dual dental coverage (having two dental plans)

If you already have dental insurance, this is your primary plan and your supplemental dental insurance is your secondary plan:

• Helps pay what your primary plan doesn't cover
• Increases total coverage available for big treatments
• Extends benefits with high annual maximum options

Spirit Dental does not coordinate benefits, which means our plans pay based on the full claim—not after what the primary plan paid. That often translates to more coverage for you.

Complete dental coverage for ultimate peace of mind

When it comes to protecting your health, dental care shouldn't be left behind. Whether you already have a dental plan and want extra protection, or you're pairing coverage with your health insurance, our supplemental dental insurance with no waiting period makes it easy to get the coverage you need, when you need it. 

Add standalone dental coverage to you health plan this open enrollment

Open enrollment is here, and we have you covered with our free dental insurance open enrollment guide. Inside you'll find a plan type comparison, a checklist of things to know before you enroll and common dental procedures cost. If you have any questions, our licensed insurance agents are here to help. No pressure. Just friendly guidance. 

How much does supplemental dental insurance cost?

Supplemental dental insurance is typically very affordable, especially when compared to the high cost of health plans and the major dental work it helps cover. Monthly premiums vary based on where you live, the level of coverage you choose and the type of dental plan.

Most can find a plan that fits comfortably with their budget while gaining strong protection for costly dental needs. Spirit's PPO supplemental dental insurance plans start from $16.09 for basic coverage and $32.75 for more comprehensive coverage.*

What you get with a Spirit Dental plan

With Spirit Dental, you can start using your supplemental coverage as soon as your plan begins. There are no waiting periods for immediate full coverage helping you save on a range of dental services—including major restorative care.

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 benefits you can expect: 

• Up to 3 preventive cleanings annually covered 100%
• Immediate basic and major dental work coverage, including child orthodontics
• High annual maximums that grow with you (up to $5,000)
• A lifetime deductible you only pay once
• A top network with Ameritas offering 25-50% in reduced rates

Whether you already have dental insurance or you’re shopping for extra coverage alongside a health plan, Spirit Dental makes it simple to stay fully protected.

Check pricing and get a fast supplemental dental 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!

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​​.

*Pricing shown is based on individual coverage for ZIP code 33801 in Florida as of August 2025. Rates vary by ZIP code and state. Not all plans are available in every state. Please review plan documents for full details.