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Dental Insurance Designed with Your Needs in Mind

Gain immediate access to dental care and see your dentist as early as tomorrow.

Select the coverage that fits your needs:

You

You + One

Family

  • 1/1/2025

Top-rated by:

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Three friends smiling, looking at a phone and enjoying beverages, with happy, confident smiles, with Spirit Dental coverage.

Your benefits shouldn’t wait.

Neither should you.

Say goodbye to waiting periods and hello to immediate access to quality care with affordable dental insurance plans that offer comprehensive coverage from day one.

Unlike most traditional dental insurance plans that only offer no waiting periods for preventive care, Spirit Dental was among the first to offer full coverage without the wait. You can schedule treatments like root canals, dental implants, fillings, and extractions as early as tomorrow, ensuring timely relief and prevention of further oral health issues.

We also supply one of the highest annual maximums across the market and lifetime deductibles, which provides more dental coverage and savings. Start your journey to better oral health today!

Our dental plans

All plans include no waiting periods, a lifetime deductible, next-day effective dates, an option to add vision coverage* and in-network savings of 25-50% through the Ameritas Dental Network.

Preventive Plus PPO

Starting at

$13.35/mo**

Protect your smile with a low-cost plan focused on preventive care.

  • Annual max up to $1000
  • 50% basic coverage
  • 20% major coverage
  • 2 cleanings per year
Most popular! Pinnacle PPO

Starting at

$31.78/mo**

A high-value plan offering comprehensive coverage with the highest annual max.

  • Annual max up to $5,000
  • 25% 1st year major coverage
  • Dental implants
  • Child orthodontia
Preferred PPO

Starting at

$30/mo**

Robust coverage from the start—available to everyone!

  • Annual max up to $3,000
  • 20% 1st year major coverage
  • Dental implant coverage
  • Hearing benefits

What people love most about our plans

No waiting periods

Get immediate full coverage for various services that begin on day one—start as early as tomorrow!

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Dental implants

Dental insurance coverage with no waiting periods for dental implants.

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Restorative care

Get immediate coverage for a variety of major care procedures, including dentures, root canals, extractions, oral surgery, and more.

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Orthodontia

Coverage for many orthodontic treatments, including traditional braces, ceramic braces, Invisalign, and more.

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Dental & Vision

You can choose from various dental plan options, and if you bundle with vision coverage, you can access the EyeMed Network for only $7.

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High annual maximums

Take your savings further with high annual maximums up to $5,000.

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PPO benefits

Freedom to choose any dentist—Spirit members gain access to the Ameritas Dental Network, offering 25-50% in-network savings.

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Guaranteed acceptance

Purchase dental insurance any time of year with guaranteed acceptance.

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Dental insurance for everyone

Your teeth and gums are linked to overall health, and Spirit Dental offers a range of affordable dental insurance plans designed to fit your unique needs and budget. We have plans for individuals, families, seniors, students, small businesses and more. Our dedicated dental insurance experts will help you find the best dental plan for your situation.

Hear from our customers
“I had an overall great experience with Spirit Dental Insurance. No waiting period, no pre-approval on major services, everything went smoothly.”

 

Amina K.

Dental insurance FAQs

Review the most frequently asked questions about Spirit Dental insurance plans:

+ Is there any age limit for dental insurance?
+ How quickly can I start my dental coverage?
+ When will I get my dental plan ID card?
+ How long will the dental plan enrollment process take?
+ When can I start using my dental insurance plan?

Featured articles

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So your dentist has uttered that terrible phrase that you never want to hear: “You need a root canal.” And if this is your first root canal ever, you probably have a ton…

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How much does it cost to fix a chipped tooth?

Chipping your tooth can be traumatic, but you can get it fixed so it looks like it never happened. Just be sure to see your dentist as soon as possible to help reduce the ris…

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What is a waiting period for dental insurance?

When shopping for a dental plan, it’s wise to read the fine print carefully so you’ll know exactly what you’re buying. When you do that, you might notice that many…

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*Vision coverage options are not available in every state. Visit Spirit Vision for more information.

**Sample monthly rates are based on an individual and represent the starting cost for most states as of Sept. 2024. Premiums vary by geographic location.