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.
4 reasons to smile with emergency coverage from Spirit Dental
1
No waiting periods
Get the coverage you need, when you need it with no wait dental insurance for major services.
2
Next-day effective dates
Compare affordable plans, enroll today, start coverage tomorrow!
3
Convenience & savings with Ameritas Network
Spirit members enjoy access to the Ameritas Dental Network with over 135,000 dentists nationwide offering 25-50% reduced rates.
4
Flexible plans for any budget
Choose from a variety of plans designed to meet your immediate needs and budget.
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.
Top-rated by trusted names
I'm so grateful I found out about Spirit Dental. It was the only plan I could find that had a ‘no waiting period.’ Everyone I've ever encountered at Spirit Dental has been professional, knowledgeable, and friendly. I highly recommend this company.
– Cindy R.
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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.
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Get dental insurance that covers major services on day one with no waiting periods.
No Wait Emergency Coverage Dental Plans
Limitations and Exclusions
Please read your plan benefit details for more information on limitations and exclusions.
No age banding
With a Spirit plan, you get the same price regardless of age
No waiting period
No waiting periods get you into the dentist to clean or fix your teeth to save more down the road
Lifetime deductible
This has great value as you only pay this once and never again
Dual coverage
Spirit does not coordinate benefits with your primary dental plan and pays based on the full claim giving you more savings.
*Spirit Network and Choice plans use the Ameritas Dental Network of over 130,000 dentists
High annual maximums
Get more savings with higher annual maximums like the Spirit Pinnacle plan with a $5,000 annual max in year 3.
See any dentist plus network savings
Spirit Network plans are PPO* plans that get you the most savings when you see a dentist in-network (25-50%), and you'll still receive coinsurance visiting any dentist.
Spirit Choice plans are PPO plus indemnity giving you both network savings and better coverage out-of-network.
Graduating coinsurance
Spirit plans increase coinsurance percentages savings up to year 3 with 100% preventive care beginning on day one.
NO STRESS DENTAL PLANS
GUARANTEED ACCEPTANCE
CHOOSE ANY DENTIST
NEXT-DAY START DATES
FLEXIBLE PLANS FOR ANY BUDGET
IMMEDIATE RESTORATIVE CARE
CHIPPED TOOTH
WISDOM TEETH
EXTRACTIONS
IMPLANTS
CROWNS
AFFORDABLE DENTAL CARE
NO WAITING PERIODS
LIFETIME DEDUCTIBLE
100% PREVENTIVE CARE COVERAGE
25-50% reduced rates in-network
UP TO A $5,000 ANNUAL MAX
Immediate coverage for emergencies
Spirit makes it easy to get the dental care you and your loved ones need without the hassle
Preventive care
See your dentist regularly and get 2-3x cleanings and 2 exams covered 100% annually.
GET INTO THE DENTIST ASAP
RECEIVE THE DENTAL CARE YOU NEED & SAVE
FEEL YOUR BEST SELF
Spirit +Connect
Your smile carries you into rooms of joy, laughter and celebration. And you want your smile there for you without ever thinking of it. Spirit Dental experts know dental insurance and are well-equipped to guide you to the plan that makes sense for you and your loved ones.
98% of all calls picked up within 30 seconds
4.8 out of 5 in customer satisfaction
Dedicated Dental Experts
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
Waiting Periods
No waiting periods on all dental services
Waiting periods starting at 6-12 months
Other Dental Plans
Yes
None for preventive, basic, major & ortho
132,000+
Up to 3
$750 - $5,000
$100-lifetime
Yes
$26.14/mo
Basic: Up to 6/mo
Major: Up to 12/mo
Yes
$23.39/mo
N/A
2
$1,000 - $3,000
$50 annually
No
No
155,000+
Varies by state
$50-$100 annually
$1,000 - $1,500
2
Network of Dentists
$38/mo
Basic: 6/mo
Major: 12/mo
Starting Cost*
Waiting Periods
Network of Dentists
Preventitive Cleanings
Annnual Max
Deductible
Immediate coverage for major services & ortho
Start any date
1st of the month
Company A
Company B
No waiting periods on any dental services
Other Dental Plans
Waiting periods starting at 6-12 months
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!
*The rates you see are for Spirit Network plans for 47008 Tulsa, OK. The premium cost is based on plans that offer major service coverage.
What you'll find on this page:
ENROLL TODAY
ACCESS
FULL COVERAGE BENEFITS
SEE YOUR DENTIST TOMORROW
Spirit plans work great with:
Full coverage
One common misunderstanding with full coverage is that it will pay for your entire dental care bill. In fact, full coverage means you're covered for a variety of dental services. With Spirit, you're getting immediate full coverage for preventive, basic, major & ortho services.
Retirees on a fixed-income
Maybe your Cobra plan just ended from employer coverage, or you're not satisfied with Medicare Advantage plans. Our plans offer max benefits with affordable prices to maintain optimal oral health and keep your smile strong for years to come.
Individuals & families
Whether it's fillings, wisdom teeth extraction, child ortho or annual cleanings, Spirit offers comprehensive plans to meet you and your family's needs.
Secondary coverage
When you're looking for secondary coverage, it's more than likely for an expensive major service procedure. With Spirit, we don't have waiting periods for major services, Get dental care coverage when you need it.
FAQ
Which dental insurance is best?
Not every dental plan fits with every person. Are you only looking for a couple cleanings per year? Do you need dental insurance ASAP for a procedure? Are you looking for family plans with ortho? These needs will help determine how much coverage you should account for.
How does Spirit Dental help me save?
Spirit Dental helps cut down costs in a number of ways:
What is full coverage dental insurance?
Dental insurance keeps your teeth healthy and protects your wallet. With Spirit Dental, your preventive cleanings (2-3 annually) are covered 100%. Your cleanings and checkups prevent more costly issues down the road. And if you’re in need of a dental service or procedure, Spirit covers you with network savings, graduating coinsurance and high annual maximums.
Pay out-of-pocket or get dental insurance? Is it worth it?
Spirit Dental helps cut down costs in a number of ways:
Network savings - See an in-network dentist and save an average of 32% automatically with pre-negotiated rates.
Preventive coverage - All Spirit plans come with 100% preventive coverage. You save money using your preventive coverage and seeing you dentist regularly (2-3x annually) by preventing more costly issues from occurring.
Coinsurance - A percentage of coverage depending on the service your plan will account for. Spirit's plans all have graduating coinsurance.
Annual maximum - This is the amount of money your insurance plan will pay per year. Spirit offers one of the highest annual maximums available at $5,000 in year three with the Pinnacle PPO plan.
ENROLL TODAY
FEEL YOUR BEST SELF
SEE YOUR DENTIST TOMORROW
Compare Spirit plans
Our dental plans aren't just about protecting your teeth; it's about a healthy you!
Run your free quote, and find the perfect dental plan for your needs, budget and lifestyle.
Hearing Included
Preferred PPO
$40.18/mo
Most Affordable
Preventive Plus PPO
$18.12/mo
Most Popular
Low-Cost for Implants
Core PPO
$31.40/mo
Pinnacle PPO
$43.12/mo
Annual max:
$1500/3000
3 preventive cleanings covered 100%
Basic coverage (%): 65/100
Major coverage (%): 20/50
Hearing benefit:
$200/300/400
Annual max: $750/1000/1000
2 preventive cleanings covered 100%
Basic coverage (%): 50
Major coverage (%): 20
Ortho Coverage (%)
N/A
Annual max:
$1200
3 preventive cleanings covered 100%
Basic coverage (%): 50/65/80
Major coverage (%): 25/50/50
Ortho Coverage (%)
10/25/50
Annual max: $1200/2500/5000
3 preventive cleanings covered 100%
Basic coverage (%): 50/60/80
Major coverage (%): 25/30/60
Ortho Coverage (%)
10/25/50
Great for comprehensive coverage
Great low cost for families and all-around coverage
Great for keeping your oral health in check
Great for seniors—anyone can choose this plan!
*The rates you see are for Spirit PPO 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.
As the name implies, full coverage dental plans provide benefits for a wider range of treatments, helping to cover higher-cost procedures. They help cover preventive care as well as basic and major restorative care—plus orthodontics, in some cases. Keep in mind that full coverage doesn’t necessarily mean costs are covered in full.