Family Dental Insurance Guide

What family dental insurance covers and why it matters

Dental care costs add up fast at every age. A routine exam and x-rays can run $100 or more per person. Wisdom teeth extractions, braces and emergency visits can cost hundreds or thousands on top of that.

A family dental insurance plan keeps those costs predictable. One plan covers your whole household, from preventive visits to major procedures, so you're not paying out of pocket every time someone needs the dentist.

That protection matters more than most people expect. Regular cleanings prevent bigger problems. Early orthodontic care can avoid more expensive treatment down the road. And when something unexpected comes up, having coverage means you're not choosing between your budget and your family's health.

Spirit offers affordable dental insurance plans for families with next-day coverage and no waiting period. Get everyone covered from the first visit.

While a routine exam and X-rays might cost $100 or more, major services might cost hundreds—or even thousands—of dollars. Orthodontics may cost you thousands as well. Consider, too, that emergency dental care can put a lot of strain on your budget. So, in addition to anticipated dental care, you also need to consider the potential costs of unexpected treatments you might need from a dentist or specialist.

The solution is simple: affordable dental insurance plans for families can give you peace of mind that’s priceless.

Spirit dental plans for families and kids

Here's what you get from our family dental plans with no waiting period:

• Two exams and up to three cleanings for every member of the family
• Immediate coverage for major services including wisdom teeth extractions
• Coverage for children’s orthodontics from day one
• Up to a $5,000 annual maximum
• Choose any dentist or specialist

Get your free quote for family dental insurance today. 

Dental insurance for children and dependents

Starting dental care early makes a real difference. Regular checkups catch small problems before they become costly ones. Brushing at home is a good start, but a dentist spots issues parents can't.

Preventive checkups are the most effective way to stay ahead of dental problems. Once your family is enrolled, the same plan benefits apply to every covered member.

Spirit doesn't offer standalone dental insurance for kids, but all dependents are covered under a family plan. Every child on the plan gets the same access to care as the adults.

Age eligibility for dependent coverage

The main plan applicant must be 18 or older. Dependent children are covered up to age 26.

With Spirit family dental coverage, you get the financial support you need when taking your kids to the dentist. Whether it's an annual checkup, a cleaning or braces to straighten their smile, the right family dental plan has your family covered.

Additional resources: 

Need more information on how to keep your family’s teeth and gums healthy? Here are a few articles related to dental insurance for children:

• How to Prevent Bottle Rot
• Oral Care for Babies
• Help Your Kids Maintain Stellar Dental Health
• New Parent’s Guide to Toddler Oral Care
• Infants Thumb Sucking | The Dental Effects
• How to Choose the Right Dentist for Your Family

Orthodontic coverage for your kids

As your child's permanent teeth come in, they may not grow in correctly. Overbites, underbites and crowding are common. Left untreated, they can lead to more complex and expensive problems later.

Spirit family plans include orthodontic coverage. Braces typically cost anywhere from $3,000 to $7,000, and having that covered takes a significant expense off the table.

To learn more about orthodontic coverage for children, visit our orthodontic insurance page. 

Additional Resources

Need more time to consider orthodontics for your kids? Here are some of our informative blogs. 

• 5 Types of Braces
• Invisalign vs. Braces: Which Is Best for Your Teen?
• Overbites: Protect Your Kid’s Smile!
• What to expect with braces for your kids

Sources:

https://www.cdc.gov/oralhealth/children_adults/child.htm

*Spirit Dental is not a child-only dental plan. This plan requires the main applicant to be at least 18 years of age to be eligible for coverage. Minor children between the ages of 0 and 17 may apply for coverage, as long as a parent or legal guardian is enrolling in the dental plan. Our Denali Dental plan DOES have a Child-Only option.  To get a quote for a Child Only plan, please visit the following website: Denali Dental.