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.
Four reasons people choose Preventive Plus
1
Cheap premiums
Get coverage for what you need with an affordable dental plan that protects your smile.
2
Maintain oral health
Preventive dental cleanings are covered 100% and remove sticky plaque and hardened tartar taking your mouth back to full health.
3
25-50% reduced PPO rates
You'll save 25-50% when you stay in-network with the Ameritas Dental Network for instant savings on all covered dental services.
4
No waiting periods
Get coverage for a variety of services, including major dental work like crowns, from day one.
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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Compare the Spirit Preventive Plus dental insurance plan that keeps costs low while protecting your smile year-round.
Top Low-Cost
Dental Insurance Plan
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.
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
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.
ENROLL TODAY
ACCESS
FULL COVERAGE BENEFITS
SEE YOUR DENTIST TOMORROW
What people are saying
Did you know?
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.
26%
46%
90%
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
Preventive care covered 100%—up to 3 cleanings
25-50% in-network savings with Ameritas Dental Network
Freedom to choose any dentist
Bundle with EyeMed Vision*
Lifetime-deductible you only pay once
No waiting periods for all dental categories
Flexible plans for any budget
Up to a $5,000 annual max benefit
How Spirit works hard for you
*Available in most states
Spirit Preventive Plus PPO plan
The Spirit Preventive Plus PPO Dental plan is a budget-friendly option for for individuals who want to stay on top of their oral health without paying for coverage they don’t need.
With no waiting periods and 100% coverage for cleanings, this plan helps you prevent problems before they start—at a price that’s easy to manage.
*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.
No waiting periods for preventive, basic and major care
2 cleanings and 2 exams covered 100%
50% coverage for basic care
20% coverage for major care
Up to a $1,000 annual max
Bundle with vision for only $7*
Preventive Plus PPO
$21.54/mo
Great for keeping your oral health in check
Low-cost