Does Spirit Dental really have no waiting periods for major services?

Yes. Spirit Dental plans are designed with no waiting periods, so coverage for preventive, basic and major services begins on day one of your plan's effective date. Select plans offer immediate coverage for implants and child orthodontia. Please check plan details in your state as plan coverage varies by location.

Can I get dental and vision coverage together with Spirit Dental?

Yes. You can add EyeMed vision coverage to your Spirit Dental plan, allowing you to bundle dental and vision benefits in one package. Spirit Vision is available in most states.

Affordable dental insurance plans

Q: What should I look for when shopping for the best dental insurance plan?

When comparing dental plans, look for coverage that matches your current and future dental needs including preventive, basic and major services. Review annual maximums, waiting periods, coinsurance, monthly cost, and whether the plan offers access to a strong provider network with discounted rates and out-of-network options.

Q: How do I choose between Spirit PPO and Spirit Flex dental insurance plans?

Spirit PPO plans are best if your dentist is in-network with the Ameritas Dental Network where you can save 25-50% on out-of-pocket costs. Spirit Flex plans are better if you want the freedom to see any dentist, with out-of-network claims paid using usual and customary rates.

Q: Can I buy affordable dental insurance on my own?

Yes. You can enroll in a Spirit Dental plan online in just a few minutes and you do not have to wait for an open enrollment period. Individual plans are available at affordable monthly rates that vary by location and coverage level.

for individuals and families

Compare dental plans and find the coverage that fits your needs. Flexible options, easy enrollment and immediate savings.

Select the coverage that fits your needs:

You

You + One

Family

Why People Choose Spirit

No waiting periods

Coverage starts day one

Up to $5,000

In annual maximum benefits

$100 lifetime

Deductible on Spirit PPO plans

Any licensed dentist

In-network or out-of-network

Dental insurance plans help cover the cost of preventive, basic and major dental care in exchange for a monthly premium. Spirit Dental offers affordable dental insurance plans, including PPO dental coverage through the Ameritas Dental Network and Flex plans for out-of-network flexibility, so individuals and families can compare dental plans and choose the option that fits their budget and dental needs.

What are the main types of dental insurance plans?

The main types of dental insurance plans are PPO, HMO or DHMO, indemnity plans, and discount dental plans. PPOs offer network flexibility with negotiated rates, HMOs require in-network dentists for lower premiums, indemnity plans reimburse a percentage of any dentist's fee, and discount plans offer reduced fees rather than insurance coverage.

Plan Type

How It Works

Network Flexibility

Typical Cost
Level

Best For

PPO

Uses a network with negotiated rates, with out-of-network care allowed.

High Flexibility to choose dentists

$$$

Moderate to higher

People who want flexibility to see nearly any dentist.

HMO/
DHMO

Requires an in-network dentist and often has no deductible.

Low Must use participating network dentists

$$$

Lower

People who prioritize lower costs and are comfortable staying within a dental network.

Indemnity

Reimburses covered dental services based on the plan's allowed charges or fee schedule.

Highest Broad provider choice

$$$

Higher

People who prioritize provider choice and flexibility.

Discount
Dental Plan

Not insurance; provides discounted fees at participating dentists.

Medium Participating dentists only

$$$

Lower

People looking for lower dental costs without traditional insurance.

Spirit plans offer PPO flexibility, with another option for more freedom

Spirit Dental offers PPO dental insurance designed to give you flexibility when choosing a dentist. You can visit any licensed dentist, while choosing a provider in the Ameritas network can help you save through negotiated rates.

For shoppers who want even more flexibility outside the network, Spirit Flex combines PPO network savings with UCR-based out-of-network benefits. That means you can still take advantage of negotiated network rates—or choose an out-of-network dentist with benefits based on usual, customary and reasonable charges.

Compare plans

PPO Dental Insurance

Spirit PPO

PPO + UCR Hybrid

Spirit Flex

Features that may vary
with other plans

Best for

✓ People who primarily use in-network dentists

✓ People who use or prefer out-of-network dentists

– Varies by plan and carrier

Waiting period

✓

None Coverage available from day one

✓

None Coverage available from day one

– Often 6–12 months

Annual maximum

✓ Up to $5,000

✓ Up to $2,500

– Often $1,000–$2,000

Deductible

✓ $100 lifetime

– Often paid annually

Preventive cleanings

✓ Up to 3 per year

✓ Up to 2 per year

– Often 2 per year

Orthodontia

✓

Available on select plans Coverage for children's braces

– Plan-specific

– Often limited or excluded

Dentist choice

✓

Any licensed dentist In-network or out-of-network

✓

Any licensed dentist Designed for greater out-of-network flexibility

– Varies

Start date

✓ Flexible start dates

– May be restricted

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Shop all Flex plans

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Did you know?

UCR stands for usual, customary and reasonable. Spirit Flex uses the 80th UCR percentile to determine out-of-network benefits, giving you greater flexibility when your dentist isn't in the PPO network.

Typical plan characteristics vary by carrier and plan. Benefits and plan availability vary by state and plan. Review individual plan documents for complete coverage details, terms, limitations and exclusions.

PPO vs. HMO dental insurance: which plan is best for you

A family smiling together after finding the right dental plan

Enjoy nationwide access to the Ameritas Dental Network

Spirit Dental plans use the Ameritas Dental Network—one of the largest in the country offering trusted care. With access to over 150,000 unique providers, 104,000 unique locations and more than 764,000 access points, members can save 25-50% on out-of-pocket costs when visiting in-network providers.