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No Wait
Supplemental
Dental Insurance
Get immediate full coverage with no waiting periods and access to PPO savings.
Limitations and Exclusions
Please read your plan benefit details for more information on limitations and exclusions.
4 reasons to smile with a full coverage Spirit 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 and ortho services, enroll today and get full coverage the next day!
It's important to note that full coverage does not cover your out-of-pocket costs 100%. Rather, it provides coverage for a variety of dental care services. With a Spirit full coverage dental plan, you can access benefits for preventive, basic, major & ortho services without having to wait!
NO STRESS DENTAL PLANS
GUARANTEED ACCEPTANCE
CHOOSE ANY DENTIST
EVERY DAY START DATES
VARIETY OF PLANS FOR ANY BUDGET
IMMEDIATE RESTORATIVE CARE
IMPLANTS
WISDOM TEETH
EXTRACTIONS
CROWNS
ORTHODONTIA
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 need without the hassle
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.
Supplemental coverage
When you're looking for supplemental 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:
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.
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. With Spirit Dental, you can get $3,500 in year one, or $5,000 in year 3.
Call a Spirit +Connect licensed agent to go over your options and enroll by phone.
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
Dedicated dental experts
What is full coverage dental insurance?
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.
High max year 2
Preferred PPO 3500
$46.69/mo
Most Affordable
Preventive Plus PPO 1500
$24.20/mo
Most Popular
Low-Cost for Implants
Core PPO 1200
$35.56/mo
Pinnacle PPO 5000
$47.42/mo
Annual max:
Covers preventive, basic, major, implants services + hearing
Option to bundle vision coverage
$1500/3500
No waiting periods
No waiting periods
Annual max: $1000/1500
Covers preventive, basic, major services
Option to bundle vision coverage
Annual max:
Covers preventive, basic, major, implants, child ortho services
Option to bundle vision coverage
$1200
No waiting periods
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
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!
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.