Individual Dental Insurance Plans

With Spirit Dental, You Can Find a Plan That Suits YOUR Needs

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Taking care of your oral health is important at any age. But if you don’t have an insurance plan that covers checkups, cleanings, and various treatments and procedures that keep your teeth and gums in tip-top shape, you might be tempted to avoid seeing your dentist until absolutely necessary. Unfortunately, waiting until you’re in pain isn’t a good idea, as it usually indicates you have an advanced—and expensive to treat—problem.

At Spirit Dental, you can find individual insurance plans that suit your budget so you won’t have to break the bank to get the coverage you need. With the right level of coverage, you won’t have to sacrifice seeing the dentist regularly, and that means you can discover and treat problems in their earliest stages, when it’s less expensive and less painful to do so.

Remember, dental health is an important part of overall wellness, and failing to address minor problems today could lead to serious problems down the road. If you’ve ever been reluctant to see the dentist simply because of the costs, you’ll be pleasantly surprised by the plans we offer.

Plan NameNetwork 750/1000/2500Choice 750/1000/2500Network 1200/2500/5000Choice 1200/2500/5000Network 3500Choice 3500Network 1200Choice 1200
Plan Recap The Network 750/1000/2500 plan has our lowest premium. This PPO plan utilizes the Ameritas Classic Network, reduces out-of-pocket costs, and has graduating benefits, so your benefits increase annually for the first 3 years on the plan. The Choice 750/1000/2500 plan offers the same benefits as the Network version of the plan but allows you to pay less out-of-pocket while going out of network. This plan has graduating benefits so your benefits increase annually for the first 3 years on the policy. The Network 1200/2500/5000 plan is a great option if you want to graduate to a high $5,000 annual max while staying at a low monthly premium. This PPO plan utilizes the Ameritas Classic Network, reduces high out-of-pocket costs, and graduates to our highest annual max after 3 years on the plan. The Choice 1200/2500/5000 plan offers the same benefits as the Network version of this plan but allows you to pay less out-of-pocket while going out of network. This plan also graduates to our highest annual max available ($5,000) after 3 years on the plan. One of our most popular plans, this plan offers the high $3,500 annual max with no waiting periods so you can get the best value for your monthly premium. This plan utilizes the Ameritas Classic Network and reduces you out-of-pocket costs. The Choice 3500 plan offers the same benefits as the Network version of this plan but allows you to pay less out-of-pocket while going out of network. This plan is a great option if your dentist does not participate in networks. This inexpensive policy offers the most network coverage if you're in need of coverage now, with no waiting periods. This plan gives your the most coverage at the lowest price, and utilizes the Ameritas Classic Network. The Choice 1200 plan offers the same great benefits as the Network 1200 plan but allows you to pay less out-of-pocket while going out of network. We recommend this plan if you need coverage now for major services, but your dentist does not participate in networks.
Network Lowest price if in-network Lowest price if out-of-network Lowest price if in-network Lowest price if out-of-network Lowest price if in-network Lowest price if out-of-network Lowest price if in-network Lowest price if out-of-network
Insurance Premium $ $$ $ $$$ $$ $$ $ $$
Annual Max Up to $2,500 Up to $5,000 $3,500 $1,200
Waiting Periods No Waiting Periods No Waiting Periods No Waiting Periods No Waiting Periods
Deductible $100 Lifetime Deductible $100 Lifetime Deductible $100 Lifetime Deductible $100 Lifetime Deductible
Ortho Coverage No Yes Yes Yes

** Please note that not all plans are available in every state**

How It Works

  1. Sign up for Spirit individual dental insurance online. It only takes a few minutes.
  2. In about 10 business days, you’ll receive your ID card in the mail.
  3. On the effective date of your policy, you can start using your insurance for cleanings, checkups, and major services. Just let your dentist know that you have coverage, and you’re all set!

Plan Details

  • Coverage is available right away. You will be able to start using your plan the first day of your effective date.
  • Coverage options differ per plan. Make sure to compare before purchase.
  • Guaranteed acceptance.
  • All plans have a monthly premium and a one-time $100 deductible.
  • Your monthly premium will be based on several factors, including your zip code, the type of coverage you select, and whether you opt for a Choice or Network plan.

Plan Benefits Include:

Interested in getting a quote? Click here.

Want more information? You might find the answer on our FAQs page.


From Preventive Care to Major Services: It’s All Covered!

From your basic checkups and professional cleanings to treatments that resolve gum disease, fill cavities, and remove extensive decay and infections, Spirit Dental has you covered. Plus, major services and dental implants are covered too!

Our individual plans are designed to give you peace of mind at an affordable price so you never have to sacrifice the health of your mouth and the beauty of your smile because costs are too high.

Additional Resources

Need some more information on the importance of receiving high-quality dental care at every stage of life? Here are some of our informative blogs →


Prepare for the Unexpected

Outstanding dental insurance does more than just cover the expected; it also covers the unexpected.

It’s one thing to schedule appointments for checkups or when you need to have your teeth examined because you’re experiencing symptoms, but you should also be prepared for those times when you might find yourself calling the dentist for an urgent need.

We know that the last thing you want to think about is a price tag when you need care right away. So, whether you chip a tooth, suffer a mouth injury while playing sports, or lose a tooth in an accident, you can head to your dentist for the treatment you need without having to worry about being able to pay for it.

Choose between our Choice and Network plans. Then start reaping the benefits of having insurance that has your back even when you weren’t expecting to need dental care.

Additional Resources

Need some more information on what to do during a dental emergency or after an injury? Here are some of our educational blogs →


Dental Health and Overall Health: There’s a Connection!

Just like you take good care of the rest of your body, it’s important to take care of your mouth. A lot of people don’t realize that there’s a connection between the health of your teeth and gums and the health of your entire system.

For example, problems in your mouth might lead to problems with your heart. On the flipside, certain medical conditions, such as diabetes, might increase the risk of developing oral health problems. And, as another example, severe infections that occur in the mouth from extensive tooth decay might travel through the bloodstream to other parts of the body.

Taking great care of your mouth is more affordable when you have the right individual dental insurance. And this is a smart step towards caring for your whole body because seeing a dentist for checkups can alert you to problems that have the potential of impacting other aspects of your health.

Additional Resources

Need more information on the connection between oral health and overall health? Here are a few of our latest blogs →


Ready to Get Dental Insurance for Yourself?

Review our plans or speak with one of our licensed agents today if you have any questions regarding individual coverage and which plan is best for you.



* The $5,000 annual maximum plan(s) may not be available in all states.

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Mark Q.
Jodi Vance was very thorough and helpful in answering my questions and explaining features of the benefits I inquired about.