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 for families to smile with a Spirit plan
1
Preventive champions
Spirit plans offer 2-3 yearly preventive cleanings and exams covered 100% to keep you and your kids healthy and prevent costly issues.
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 PPO Dental Network with over 132,000 dentists nationwide.
4
Immediate full coverage
Don't let dental care wait. With no waiting periods for preventive, basic, major and ortho services, enroll today and have coverage for your and your kids the next day!
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 immediate full coverage with no waiting periods and access to PPO savings.
No Wait Dental Insurance for Families
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
EVERY DAY START DATES
VARIETY OF PLANS FOR ANY BUDGET
IMMEDIATE RESTORATIVE CARE
ORTHODONTIA
WISDOM TEETH
EXTRACTIONS
IMPLANTS
CROWNS
AFFORDABLE DENTAL CARE
NO WAITING PERIODS
LIFETIME DEDUCTIBLE
100% PREVENTIVE CARE COVERAGE
UP TO A $5,000 ANNUAL MAX
Power up your smile
Spirit makes it easy to get the dental care you and your family 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
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:
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 annual maximums available at $5,000 in year three with the Pinnacle PPO plan.
Pay out-of-pocket or get dental insurance? Is it worth it?
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.
What does no waiting period mean in dental insurance?
When it comes to dental insurance, no waiting period means you are covered from the moment you are approved. So when you have a dental emergency or need immediate treatment, you won't be paying it all out of pocket or waiting for your insurance coverage to begin.
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.
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 make sense for you.
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 family 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
$83.65/mo
Basic: Up to 6/mo
Major: Up to 12/mo
Yes
$116.56/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
$130/mo
Basic: 6/mo
Major: 12/mo
Starting Cost*
Waiting Periods
Network of Dentists
Preventitive Cleanings
Annnual Max
Deductible
Immediate coverage for 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:
Boost self-confidence and feel better about appearance
Improves oral health with easier to clean areas
Insurance helps cover the costs
Improves bite alignment
- Improve oral health and easier to clean teeth
- Improve bite alignment
- Boost self-confidence and feel better about appearance
- Insurance helps cover the costs
Braces type | Cost
Deciding which braces are best for you and your child depends on cost, appearance and complexity of the procedure.
Average cost
Braces Type
Metal
Ceramic or clear
Invisalign
Notes
$3,000-$7,000
$4,000-$8,000
$4,000-$7,400
Metal brackets; most cost-effective, most noticeable
Ceramic brackets; more fragile but less obvious than metal
Clear aligner tray; can be pricey, not suitable for complex issues
$800-$3,000
Porcelain
No metal used; natural looking for front teeth
Dental crown types
Durable, typically for back teeth
Metal or gold
$600-$2,500
More durable with metal; less costly than all porcelain
Porecelain fused to metal
$500-$1,500
Invisalign
Less noticeable
Easier maintenance
Removable
Comfortable
Traditional
Best Results
Typically Cheaper
Can be quicker to straighten
Versatile for complex issues
not done!
*The rates you see are for Spirit Network family plans for 47008 Tulsa, OK. The premium cost is based on plans that offer major service coverage.
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