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Call a Spirit +Connect licensed agent to go over your options and enroll by phone.
Limitations and Exclusions
Please read your plan benefit details for more information on limitations and exclusions.
Spirit +Connect
Your smile carries you into rooms of joy, laughter and celebrations. 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 plans that makes sense for you.
98% of all calls picked up within 30 seconds
Dedicated Dental Experts
Get affordable dental insurance with no waiting periods easily.
No Wait Dental Implant Insurance
GET INTO THE DENTIST ASAP
RECEIVE THE DENTAL CARE YOU NEED & SAVE
FEEL YOUR BEST SELF
ENROLL TODAY
ACCESS
FULL COVERAGE BENEFITS
SEE YOUR DENTIST TOMORROW
ENROLL TODAY
FEEL YOUR BEST SELF
SEE YOUR DENTIST TOMORROW
Spirit Dental is more than just protecting your teeth—it's also about a healthy, happy you! Dental insurance helps keep your overall health strong and your wallet in your pocket.
*Implants are covered under "Major" care services. Your annual max is the limit your plan will pay in a given year. With Spirit, you'll receive immediate benefits with coverage graduating up to year three.
4 reasons to smile with a Spirit dental plan
1
Preventive champions
Spirit plans offer 2-3 yearly preventive cleanings and exams covered 100% to keep you healthy and avoid costly dental procedures.
2
Spirit dental savings
Save 25-50% instantly with in-network savings, increasing coinsurance up to year 3 and annual maximums from $750-$5,000.
3
Convenience of a dentist close by
Choose any dentist—Spirit members enjoy access to the Ameritas Dental Network with over 132,000 dentists nationwide.
4
No waiting periods
Don't let dental care wait. With no waiting periods for preventive, basic & major services—including implants—enroll today and get full coverage tomorrow!
NO STRESS DENTAL PLANS
GUARANTEED ACCEPTANCE
NO WAITING PERIODS
CHOOSE ANY DENTIST
NEXT-DAY EFFECTIVE DATES
VARIETY OF PLANS FOR ANY BUDGET
IMMEDIATE RESTORATIVE CARE
IMPLANTS
WISDOM TEETH
EXTRACTIONS
DENTURES
CROWNS
BRIDGES
AFFORDABLE DENTAL CARE
PPO INSTANT SAVINGS OF
25-50%
LIFETIME DEDUCTIBLE—ONLY PAY IT ONCE
100% PREVENTIVE CARE COVERAGE
UP TO A $5,000 ANNUAL MAX
VISION BUNDLE AVAILABLE IN MOST STATES FOR ONLY $7
Power up your smile
Spirit makes it easy to get the dental care you and your loved ones need without the hassle
Spirit plans work great with:
Implants
Unlike some dental plans, Spirit covers all parts of the implant, (post, abutment, crown) and has no waiting period too!
Retirees on a fixed-income
Maybe your Cobra plan just ended from your employer coverage, you're not satisfied with the Medicare Advantage plans or maybe you're looking for the first time on your own, Spirit plans offer max benefits with affordable prices to keep your smile going strong.
Individuals & Families
Whether it's fillings, wisdom teeth extraction, child ortho or annual cleanings, Spirit offers comprehensive plans to meet your family's needs.
Secondary coverage
Get dual coverage with a secondary dental plan and receive more savings on dental coverage needs for complex procedures. Dual coverage also may give you access to a broader network of dentists.
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. Spirit Dental covers your preventive cleanings (2-3 annually) 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 your 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 maximums available in year three at $5,000 with the Spirit Pinnacle PPO plan.
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.
Which Spirit plan fits best with you?
High max year 2
Preferred PPO 3500
$46.69/mo
Most Popular
Highest Annual Max
Low-Cost for Implants
Core PPO 1200
$35.56/mo
Pinnacle PPO 5000
$47.42/mo
No waiting periods
Annual max: $1200/2500/5000
Covers preventive, basic, major, implants, child ortho services
Option to bundle vision coverage
Great for comprehensive coverage
Pricing shown is for individual coverage in ZIP code 68501 as of August 2025. Plan options, rates, and benefits can vary by location. For full details, see the official plan documents.
No waiting periods
Annual max: $1200
Covers preventive, basic, major, implants, child ortho services
Great low cost for families and all-around coverage
Option to bundle vision coverage
No waiting periods
Annual max: $1500/3500
Covers preventive, basic, major, implants services + hearing
Great for seniors—anyone can choose this plan!
Option to bundle vision coverage