Why Spirit Dental

Spirit Dental insurance plans were built to do one thing: make dental insurance work for you, not against you. Because here’s the truth: dental care gets expensive fast. Even routine visits can add up, and major work can cost thousands.

Spirit Dental helps you save instantly, with no waiting periods, high annual maximums and 25-50% savings when you visit an in-network dentist.

We know how frustrating it can be to pay for coverage you can’t use right away. That’s why our plans are designed with your needs in mind. Coverage that starts immediately, benefits that grow and a deductible you only pay once.

When you choose Spirit, you’re not just buying a plan. You’re gaining peace of mind and investing in your health and confidence.

Get a quote today and find the plan that’s right for you. No waiting. No stress. 

What makes Spirit Dental different

At Spirit Dental, we believe peace of mind should start the moment you enroll.

That’s why we built dental insurance plans that skip the waiting period, cuts the confusion and delivers coverage you can count on. Because caring for your smile shouldn’t be complicated. Just clear and built around your needs.

Here’s what you can expect with our affordable dental plans:

• No waiting periods—full coverage begins day one
• Next-day effective dates—start your plan tomorrow
• High annual maximums—up to $5,000 after two years
• Three cleanings per year—more prevention pays off
• Nationwide PPO network—25-50% savings & convenience
• Lifetime deductible—pay it once, never again

This is dental insurance you can count on, whenever life happens. 

Smart coverage, real value, no hassle

Spirit Dental exists to make dental care more accessible, affordable and stress-free. Coverage that starts right away. Benefits that grow with you. And confidence that lasts a lifetime.

Smart coverage isn’t about cutting corners. It’s about investing in care that pays off. Now and later.

With Spirit, getting dental insurance is simple. Enroll in minutes, use your benefits immediately and spend more.   

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Frequently asked questions about

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.