Dental Insurance with No Waiting Period



Calendar as someone schedules dental appointment


Dental insurance with no waiting period makes life easier

If you’re in the market for dental insurance, you want coverage now, not in six months or next year.  You expect your plan to cover your dental services when you need them – not in the future.

With Spirit Dental, all plans provide protection* as soon as the plan becomes active. Other dental insurance providers impose an initial waiting period on plan coverage. The details may be buried in the fine print, but the impact on your coverage is clear.  A waiting period may leave you without certain assurances when you need it most.  When this happens, you’re forced to pay out of pocket 100% of your dental service costs, along with the insurance premium you’ve already paid.

Spirit Dental offers support when you need it most

Clock iconWith Spirit Dental, we keep things simple, with no surprises. Once you’re enrolled in a plan, you’re covered immediately starting on the effective date, which can be as soon as the next day! No more waiting for that trip to the dentist.**



No waiting period dental plans save you money

How does it save you money? The basis of dental insurance is preventive dental care. With Spirit Dental, for example, you get 2-3 cleanings and exams annually covered 100%. And if you keep up with preventive dental care, you’re more likely to also prevent costly procedures down the road.


Are dentists really that important? Your health depends on it

You might think you can just brush and floss at home and not go to the dentist. But bacteria are microscopic, and they get into places your brush can’t reach. Not only that, but the bacteria, also called plaque, forms a sticky substance your brush can’t wash away.

A dental professional is needed to find those hard-to-reach areas and clean them out. They also have tools to wash away the sticky plaque.

Overall health is connected to oral health. The most common case is when bad bacteria get into the bloodstream and cause damage to the heart.

Preventing tooth issues is essential to your health and a dental professional is needed for complete oral care.


Dental insurance gets you into the dentist

And Spirit Dental gets you in faster with no waiting periods. You can have next-day coverage on a cleaning & exam, filling, crown, implants, or braces.

Spirit Dental also makes it easy to see your dentist. With one of the top networks (Ameritas) in the country, you'll have no problem finding a dentist close by. You'll also receive an avg of 32% in-network savings per procedure. And with our Choice plans, you can see any dentist and still receive the same great benefits Spirit Dental offers. 


Additional plan benefits:

Get started with a free instant quote.

*Each plan’s coverage varies. **There are no waiting periods for Preventive, Basic or Major services on the Spirit Dental plans. However, if you select a plan with Orthodontia services you may find, depending upon your state of residence, a waiting period on this service.



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  • 11/1/2021
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I had an overall great experience with Spirit Dental Insurance. No waiting period, no pre-approval on major services, everything went smoothly.

Amina K.