Spirit helps you save

No age banding

With a Spirit plan, you get the same price regardless of age

No waiting periods

Get immediate full coverage (preventive, basic, major & ortho) when you need it.

Lifetime deductible

Our $100-lifetime deductible means you pay it only once and never again for annual savings.

Secondary coverage

Spirit does not coordinate benefits with your primary dental plan and pays based on the full claim giving you more savings.  

Comprehensive coverage

Coinsurance increases each year up to year three where you’ll also find one of the highest annual maximums offered at $5,000.

25-50% in-network savings

With access to the Ameritas PPO Dental Network of over 132,000 providers nationwide, you’ll enjoy close proximity to 25-50% lower in-network rates.

Limitations and Exclusions 

Please read your plan benefit details for more information on limitations and exclusions. 

Preventive care 

See your dentist regularly and get 2-3x cleanings and 2 exams covered 100% annually. 

Enrolling with Spirit Dental

Fast 

Simple enrollment—only 4 clicks to buy!

Compare plans

Match your needs with the perfect plan!

Four plans to choose from with two types of plan options:

Spirit Network - PPO network savings

Spirit Choice - PPO plus indemnity includes network savings and better out-of-network coverage at the 90th UCR for your area.

Bundle vision

Add vision for only $7/mo with EyeMed Vision

Enroll

Choose your plan and purchase securely.

Find a dentist

Find a dentist in the Ameritas PPO Network of over 132,000 providers and get 25-50% instant in-network savings. 

If your dentist doesn't participate in-network, our Spirit Choice plans offer better coverage for out-of-network (see below).

Run a quote and find your dentist!

Use your benefits!*

Schedule your dentist visit, enjoy full coverage next-day benefits and get the dental care you deserve!

*You'll receive an instant email confirmation that includes your ID number. 

Bundle vision

Only $7 to add vision to your dental plan

Out-of-network coverage

With Spirit Choice plans, get better coverage out-of-network with 90th percentile UCR in your area.

Affordable plans

Choose from four plan options to meet your budget needs.

Compare Spirit to other dental plans

Spirit Dental plans have no waiting periods for any dental service, including ortho, while other plans have waiting periods starting at 6 to 12 months (some plans have 18/mo waiting periods for ortho). 

Here's the breakdown:

not done!

Pinnacle PPO family plan

The Spirit Pinnacle PPO Dental Plan is a top choice for families who want comprehensive dental coverage that grows with their needs. With no waiting periods and up to $5,000 in annual maximums, this plan covers everything from routine cleanings and fillings to major dental work like crowns, wisdom teeth extractions and even orthodontic care for children.

Enjoy peace of mind knowing your family has the protection they deserve.

*The rates you see are for Spirit PPO family plans for 68501 Lincoln, NE - run a quote with your zip code to see plans for you.

**Not all plans are available in all states.

What people are saying

Did you know?

of adults in the US have untreated tooth decay

of adults aged 20 and older have had at least one cavity

of adults aged 30 or older show signs of gum disease

Source: Centers for Disease Control and Prevention

Spirit promotes optimal oral health with preventive care covered 100%—up to 3 cleanings annually—paving the way to see your dentist to catch those little issues before they become bigger.

Don't wait on your oral health

26%

46%

90%

4 reasons to smile with the Pinnacle PPO plan for braces

Shopping for ortho coverage?

• Improve oral health and easier to clean teeth
  
  
• Improve bite alignment
  
  
• Boost self-confidence and feel better about appearance
  
  
• Insurance helps cover the costs

Get the positive outcome you’re looking for with braces.

Braces type | Cost

Deciding which braces are best for you and your child depends on cost, appearance and complexity of the procedure.

Invisalign or traditional braces | Which one is best for you?

Need help? Talk to an expert

We're here to make it easy. Whether you're comparing plans, have questions about coverage or just want a little guidance, our licensed dental insurance experts are ready to help.

No pressure. Just real answers to help you find your best option.

98% of all calls picked up within 30 seconds

4.8 out of 5 in customer satisfaction

FAQ

What is the best age to get braces for a child?
 
Most dental professionals agree that eligible children should get braces between the ages of 10 and 14. However, your dentist or orthodontist can give you personalized advice and guidance on when the right time is for your child’s orthodontic treatment. This will help you know when to sign up for braces insurance.


What age should a child go to an orthodontist?
 
If you aren’t sure if your child needs to see an orthodontist, you can ask your dentist. Generally, however, you can take your children to an orthodontist when they are as young as 7 years old to see if they might need this type of care.


How much do braces cost without orthodontics insurance?
 
Metal braces might cost $3,000 to $7,000, while ceramic braces might be anywhere from $4,000 to $8,000, on average. Lingual braces may be even pricier, averaging around $8,000 to $10,000, and Invisalign might cost anywhere from $4,000 to $7,400.


Does insurance cover braces?
 
To be sure you’ll get coverage for braces, sign up for dental insurance with orthodontics coverage. Different plans will provide varying levels of coverage, so you can find the one that’s affordable and gives you what you need.

Most Spirit Dental plans cover braces for dependent children and teens under the age of 19. Our Network 1200/2500/5000 plan, which includes orthodontics insurance for your child, offers tremendous savings.


What type of braces are the cheapest?
 
If you want to save the most money possible — even if you have dental insurance for orthodontics — your orthodontist might recommend metal braces.