Dental coverage built for your life.
Smirk isn’t just making it easier to find and pay for dental care — we’re blowing up the outdated prepaid plan. No flimsy cards. No fine print. No confusion.
The Smirk Wallet™ moves with you — from routine cleanings to major procedures — coverage that fits your life in one zero-stress wallet. Book appointments, get smart nudges, and manage care with Ailene™, your personal AI concierge.
Designed for part-time, gig, seasonal, or retiree workers — Smirk makes benefits simple. The old way is done. This is how dental care should be.
Plans start at less than $1.60/day
From side-gigs to full-time
Coverage follows wherever you earn
Sign up in less than 5 minutes
Pick your plan. Smiles covered. Confidence guaranteed.
Everyone deserves easy to use, affordable dental care — whether you're full-time, part-time, giggin, or retired. Smirk plans keep preventive visits and advanced care within reach, with transparent pricing and a network you can count on.
Your no-stress starter. Affordable entry-level protection that covers the basics and keeps preventive care free and easy.
Perfect if you want cleanings, checkups, and a safety net for the unexpected.
The life happens plan. More coverage when you need it, plus stronger benefits as you stick with us.
Best for families and anyone who wants dependable coverage that grows with you.
All-in smile suite. For people who want no-worries protection, especially if major work might be on the horizon.
Peace of mind if you want predictable protection for specialty care or frequent visits.
Why Smirk Dental Insurance?
Start using your benefits as soon as your enrollment takes effect at the beginning of the month - get cleanings, fillings, even crowns.
Pay just $50 per person per year before your coverage kicks in, compared to the $150-$250 deductibles many other plans require.
Your coverage automatically improves in Year 2 - basic services jump from 50% to 80% coverage, and major services increase from 20% to 50%.
Tell us what you need and when you're free - our AI assistant finds available appointments and books them for you automatically.
One wallet. Total clarity. Complete portability.
The Smirk Wallet™ enables access and true portability for the workers traditional benefits have forgotten — protection that moves with you from job to job, gig to gig, and stage to stage. All your healthcare benefits. One trusted place.
Easily schedule appointments, find a provider near you, and manage care visits all in one place.
Get friendly reminders and updates that help you keep up with your care — so nothing slips through the cracks.
See estimated costs before your visit and get helpful reminders to stay on top of your personalized care.
Your coverage moves with you, across employers, platforms, and life changes.
Pay, track, and manage benefits — zero friction, no confusion.
Understanding Your Coverage
Comprehensive dental insurance built for you and how you live your life.
Preventative (100%)
Your preventive care is completely covered from day one, with no deductible required.
· Routine cleanings (every 6 months)
· Comprehensive oral exams
· Bitewing and panoramic X-rays
· Fluoride treatments
· Sealants for children
· Oral cancer screenings
Basic Services
Coverage that improves over time.
50% in Year 1, 80% in Year 2+.
· Fillings (amalgam and composite)
· Simple extractions
· Root canal therapy
· Periodontal treatment
· Emergency care
Major Services
Coverage that improves over time.
50% in Year 1, 80% in Year 2+.
· Bridges
· Crowns and caps
· Dentures (partial and complete)
· Surgical extractions
· Implant services (where covered)
Questions? We’ve got you covered.
You’ve got questions, we’ve got answers
We’ve made it simple: your plan is built around three tiers of care. No surprises, no fine print.
Preventive: cleanings, checkups, fluoride, and X-rays.
Basic: fillings, pain relief, and teledentistry.
Major: crowns, bridges, dentures, implants, root canals, gum treatment, oral surgery, and prosthetic maintenance.
Yes! Cleanings, exams, fluoride, and X-rays are covered at 100% of the contracted fee schedule when you visit an in-network provider — so you get the most savings on your care.
Two routine cleanings every 12 months are fully covered. If you need periodontal cleanings after treatment, they’re covered every 3 months — just not more than two total cleanings in a year.
Preventive care like cleanings and exams, is covered at 100%. Basic and major dental services are also covered, with generous annual benefit limits, starting at $2,000.
• $2000 annual maximum for benefits
• Preventive Services covered at 100%
• Basic Services covered at 50% in Year 1 and increases to 80% in Year 2
• Major Services covered at 20% in Year 1 and increase to 50% in Year 2
• No waiting periods to use your benefits once you’re effective
• $50 deductible per person
• $3000 annual maximum for benefits
• Preventive Services covered at 100%
• Basic Services covered at 50% in Year 1 and increases to 80% in Year 2
• Major Services covered at 20% in Year 1 and increase to 50% in Year 2
• No waiting periods to use your benefits once you’re effective
• $50 deductible per person
• $5000 annual maximum for benefits
• Preventive Services covered at 100%
• Basic Services covered at 50% in Year 1 and increases to 80% in Year 2
• Major Services covered at 20% in Year 1 and increase to 50% in Year 2
• No waiting periods to use your benefits once you’re effective
• $50 deductible per person
Yes, enrollment is open year-round.
Coverage starts when your premium is paid.
Once your coverage starts you can use your benefits immediately - there are no waiting periods.
Yes, individual and family coverage options are available.
Texas, Pennsylvania, Illinois, Minnesota, and Nebraska.
Yes.
No.
Underwritten and insured by
A system that works for today's non-traditional workforce.
Smirk helps companies cut spend and keep talent — while giving every worker clear, portable coverage. Join employers rethinking how health benefits are delivered today.