Spirit Dental Insurance: A Comprehensive Review

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Spirit Dental Insurance is a part of Spirit Dental & Vision, a dental insurance company that serves members across all 50 states. It offers individual and family dental plans. Spirit Dental Insurance plans cover preventive care like regular cleanings, exams, X-rays, and procedures like fillings, crowns, and root canals.

Large network of dentists and specialistsSome services may not be covered if not medically necessary or performed by a licensed dentist.
Flexible and affordable optionsHigher out-of-pocket expenses if you choose an out-of-network provider.
Preventive care at no costPotential charges for cancelling after the renewal date.
No waiting periods or annual maximumsNo HMO plans
Online tools and resources for managing dental health and plan
Pros and cons of Spirit Dental Insurance

Spirit Dental Insurance Plans

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Spirit Dental Insurance provides a diverse range of plans suitable for individuals and families, ensuring immediate coverage with no waiting periods and including three cleanings per year. Below is a summary of their offerings:

  • Spirit Preventive Plus PPO: Focuses on preventive care with 100% coverage for cleanings, exams, and X-rays, and the option to choose any dentist.
  • Spirit Core PPO: Offers a balance of preventive, basic, and major services, with added benefits like child orthodontics and implant coverage.
  • Spirit Flex: Allows maximum flexibility in dentist choice and covers a variety of dental services.
  • Spirit Senior Preferred PPO: Tailored for seniors, this plan covers a comprehensive range of services, including benefits for dentures and implants.
  • Spirit Pinnacle PPO: The highest tier plan with extensive coverage across all service types, including orthodontics.
  • Spirit Flex Plus: An enhanced version of the Spirit Flex plan with higher coverage levels for a wide range of services.

Cost of Spirit Dental Insurance Plans

To give you an idea of how much each type of plan costs, here is a table that shows the monthly premiums for some sample plans in Florida (prices may vary by state):

Plan NameAnnual MaxCoverageMonthly Premium (Individual)Monthly Premium (Family)Waiting Periods
Spirit Preventive Plus PPOUp to $1,000100% preventive, 50% basic, 20% major$20.35$65.12No
Spirit Core PPO$1,20025% major, Child ortho, Implant coverage$34.91$119.67No
Spirit FlexUp to $2,000Choice of dentist, 50% basic, 15% major$39.79$127.33No
Spirit Senior Preferred PPOUp to $3,00020% major, Implant, Hearing benefits$43.54$137.97No
Spirit Pinnacle PPOUp to $5,00025% major, Implant, Child ortho coverage$46.99$158.31No
Spirit Flex PlusUp to $2,500Choice of dentist, 50% basic, 20% major$55.36$177.17No

Source:Spirit Dental & Vision Insurance

Pros and Cons of Spirit Dental Insurance


Spirit dental insurance plans have several benefits that make them attractive to customers. Some of these benefits are:

  • Large network of dentists and specialists: Spirit dental insurance plans have a large network of dentists and specialists, which means you can easily find a provider near you who accepts your plan. You can also choose to see an out-of-network provider, but you may pay more out-of-pocket costs.
  • Flexible and affordable options: Spirit dental insurance plans have different levels of coverage and cost to suit your needs and budget. You can choose from Network or Choice plans, and from low-premium or high-benefit options.
  • Preventive care at no cost: Spirit dental insurance plans cover 100% of preventive care services such as exams, cleanings, x-rays, and fluoride treatments. This means you don’t have to pay anything when you visit your dentist for routine check-ups and cleanings.
  • No waiting periods or annual maximums: Spirit dental insurance plans don’t have any waiting periods for preventive or basic services, which means you can use your benefits as soon as your plan starts. They also don’t have any annual maximums for preventive or basic services, which means you can use as much of your benefits as you need without worrying about reaching a limit.
  • Online tools and resources: Spirit dental insurance plans come with access to online tools and resources that can help you manage your dental health and plan. You can use the online portal to find a dentist, view your benefits and claims, estimate your costs, and more. You can also access educational materials and tips on how to improve your oral health.


Spirit dental insurance plans also have some drawbacks that you should be aware of before signing up. Some of these drawbacks are:

  • Exclusions and limitations: Spirit dental insurance plans have some exclusions and limitations that may affect your coverage or reimbursement. For example, some services that are not medically necessary, experimental, cosmetic, or not performed by a licensed dentist may not be covered by your plan. Some services that are covered by another dental or medical plan, workers’ compensation, or government program may not be eligible for reimbursement by your plan.
  • Out-of-network costs: Spirit dental insurance plans have a large network of dentists and specialists that accept your plan. However, if you choose to see an out-of-network provider, you may have to pay more out-of-pocket costs. This is because out-of-network providers may charge higher fees than in-network providers and may not follow the negotiated rates that Spirit has with its network providers. You may also have to file a claim yourself if you see an out-of-network provider.
  • Cancellation fees: Spirit dental insurance plans require you to contact them at least 30 days before your plan’s renewal date to cancel your plan. If you fail to do so or cancel your plan after the renewal date, you may have to pay a cancellation fee or forfeit any unused benefits that you have left in your plan.
  • No HMO Plans: Spirit Dental does not offer Health Maintenance Organization (HMO) plans, which might be a preferred option for some due to their typically lower costs and focus on preventive care.

How to Enroll in Spirit Dental Insurance

Enrolling in a Spirit dental insurance plan is a straightforward process. Begin by exploring their website or giving them a call. You’ll need to provide some basic personal details and select a payment method that suits you.

Once you’re enrolled, you’ll receive a confirmation email complete with your member ID card and other vital information. When it’s time for a dental visit, simply present your member ID card or number. Remember, any applicable copays or coinsurance are due at the time of service.

If you have any concerns about Spirit dental insurance plans or services you can reach out to them via:

  • Phone: You can reach their customer service at (844) 833-8440.
  • Address: You can send them a letter at Spirit Dental & Vision, 7900 International Dr. #1040, Bloomington, MN 55425.
  • Email: You can send them an email at [email protected].

Is Spirit Dental Insurance Worth It

The answer to this question depends on your personal situation and preferences. Spirit dental insurance may be worth it if:

  • You live in the United States where Spirit dental insurance plans are available.
  • You want a large network of dentists and specialists to choose from.
  • You want flexible and affordable options for your dental coverage.
  • You want preventive care at no cost and no waiting periods or annual maximums for basic services.
  • You want online tools and resources to help you manage your dental health and plan.

Spirit dental insurance may not be worth it if:

  • You live in a state where Spirit dental insurance plans are not available.
  • You prefer to see an out-of-network dentist or specialist.
  • You want more comprehensive coverage for major services such as implants, dentures, crowns, bridges, or orthodontics.
  • You don’t care about online tools and resources to help you manage your dental health and plan.

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