Spirit Dental Vision

Spirit Dental Insurance

Spirit Dental insurance by Ameritas Life, includes multiple dental plan designs with No Waiting Periods for preventative, basic or major services. What will also make you smile is, you can start using your Spirit dental insurance coverage as early the the next day. $100 life time deductible, once it is satisfied, you never have a deductible again. Annual Maximums of $750 to $5,000 per person and the freedom to keep your own dentist or use a Ameritas Classic PPO Network provider for greater savings and lower monthly costs. Many plans include Implant and Orthodontics coverage. EyeMed Vision insurance is an available option at only $7 per month.

You can choose effective dates as early as tomorrow or up to three months in the future!

Spirit Dental & Vision Insurance

Underwritten by Ameritas Life Insurance Corp.

Top rated dental coverage with No waiting periods

Call Us at (800) 544-9505 with Questions or to Apply over the phone.

Payments Accepted: Mastercard, Visa, Discover, Auto Bank Draft

Apply over the phone and we will wave the $25 enrollment fee.

Call Us at (800) 544-9505 with Questions or to Apply over the phone.

Apply over the phone and we will wave the $25 enrollment fee

Payments Accepted: Mastercard, Visa, Discover, Auto Bank Draft

Spirit Dental Plan Options – Affordable options to meet your needs.

Click the plan name or button to view details

Spirit Dental Plan Options

Click the plan name or button to view details

Spirit Preventive Plus PPO - Lowest Priced Plan

The Spirit Preventive Plus PPO plan helps you cover the costs of dental care. Covered dental services include exams, cleanings, fillings and extractions, as well as crowns, bridges and dentures. Spirit Dental Insurance allows you to select your own Ameritas Dental Network provider and a dental plan that best fits the needs for you and your family. The Ameritas Dental Network is one of the nation’s largest. You save when you use a network provider as these providers have contracted fees (MAC/maximum allowable charge) through their network agreement with Ameritas. When you use a network provider, discounted fees can generally be 25-50% below the average for your area. Visit ameritas.com and select Find a Health Provider to find a provider near you. Simply enter your ZIP Code and choose the Classic (PPO) Network to start your search.

Plan includes a $100 lifetime deductible combined for Preventive, Basic and Major Services. Lifetime deductible is per person covered by the plan

  • Annual Maximum: $750 Year 1, $1000 Year 2, $1000 Year 3
  • Preventive Dental Services: 2 exams per year, 2 cleanings per year, Bitewing X-rays (1 per year)
  • Basic Dental Services: Space maintainers Sealants (under age 16) Fluoride (under age 16) (1 per year)  Basic Services are paid 50% year 1, 50% year 2, 50% year 3
  • Major Dental Services: Fillings, Simple extractions, Diagnostic X-ray (1 per year), full or panoramic in any 3 year period, Oral surgery, Endodontic treatment, Periodontic services Restoration services; inlays, onlays and crowns Prosthetic services; bridges and dentures Major Services are paid 20% year 1, 20% year 2, 20% year 3
Spirit Core PPO

The Spirit Core PPO plan helps you cover the costs of dental care. Covered dental services include exams, cleanings, fillings and extractions, as well as crowns, bridges and dentures. Spirit Dental allows you to select your own Ameritas Dental Network provider and a plan that best fits the needs for you and your family. The Ameritas Dental Network is one of the nation’s largest. You save when you use a network provider as these providers have contracted fees (MAC/maximum allowable charge) through their network agreement with Ameritas. When you use a network provider, discounted fees can generally be 25-50% below the average for your area. Visit ameritas.com and select Find a Health Provider to find a provider near you. Simply enter your ZIP Code and choose the Classic (PPO) Network to start your search.

Plan includes a $100 lifetime deductible combined for Preventive, Basic and Major Services. Lifetime deductible is per person covered by the plan.

 

  • Annual Maximum: $1200 Year 1, $1200 Year 2, $1200 Year 3
  • Preventive Dental Services: 2 exams per benefit year, 3 cleanings per benefit year paid 100%
  • Basic Dental Services: Space maintainers
  • Bitewing X-rays (1 per year) Sealants (under age 16) Fluoride (under age 16) (1 per year)  Basic Services are paid 50% year 1, 65% year 2, 80% year 3
  • Major Dental Services: Simple extractions, Dental Implants. Diagnostic X-ray (1 per year), full or panoramic in any 3 year period, Oral surgery, Endodontic treatment, Periodontic services, Restoration services; inlays, onlays and crowns, Prosthetic services; bridges and dentures, Basic fillings. Major Services are paid 25% year 1, 50% year 2, 50% year 3
  • Orthodontic care for the proper alignment of teeth is provided only to dependent children who are under 19 when treatment is received. Coverage is 10% year one, 25% year two and 50% year three with a $1,200 lifetime maximum per child.
Spirit Flex

The Spirit Flex plan helps you cover the costs of dental care. Covered dental services include exams, cleanings, fillings and extractions, as well as crowns, bridges and dentures. This Spirit plan gives you the freedom to use any dentist. The Ameritas Dental Network is one of the nation’s largest. You save when you use a network provider as the providers have contracted fees (MAC/maximum allowable charge) through their network agreement with Ameritas. When you use a network provider, discounted fees can generally be 25-50% below the average for your area. Visit ameritas.com and select Find a Health Provider to find a provider near you. Simply enter your ZIP Code and choose the Classic (PPO) Network to start your search.

Additionally, when you visit a network dental provider your out-of-pocket costs may be lower because the dentists have agreed to a contracted fee for services. You are responsible for any coinsurance and the required deductible. It is important to note that if you receive care from a non-network dentist your out-of-pocket charges will be based on Usual and Customary charges*.

Plan includes a $100 lifetime deductible combined for Preventive, Basic and Major Services. Lifetime deductible is per person covered by the plan.

Spirit Flex | This policy pays for dental expenses for network providers based on the contracted fee (MAC) agreement with Ameritas. Non-network dentists covered dental expenses will be based on Usual and Customary charges after the $100 deductible (combined for Preventive, Basic and Major Services) has been satisfied. The coinsurance percentages are: 100% for Preventive Services, 50% for Basic and 15% for Major. In year two, Basic services increase to 70% and 30% for Major Services. In year three, Basic Services increase to 80% and 40% for Major Services. Your benefit year maximum amount starts in year one at $1,000 and increases to $2,000 year two.

 

  • Annual Maximum: $1,000 Year 1, $2,000 Year 2, $2,000 Year 3
  • Preventive Dental Services: 2 exams per benefit year, 2 cleanings per benefit year paid 100%
  • Basic Dental Services: Space maintainers, Bitewing X-rays (1 per benefit year) Sealants (under age 16), Fluoride (under age 16) (1 per benefit year), Services are paid 50% year 1, 70% year 2, 80% year 3
  • Major Dental Services: Basic fillings, Simple extractions, Diagnostic X-ray (1 per year), full or panoramic in any 3 year period Oral surgery, Endodontic treatment, Periodontic services, Restoration services; inlays, onlays and crowns, Prosthetic services; bridges and dentures. Major Services are paid 15% year 1, 30% year 2, 40% year 3
Spirit Senior Preferred PPO

The Spirit Senior Preferred PPO plan helps you cover the costs of dental care. Covered dental services include exams, cleanings, fillings and extractions, as well as crowns, bridges and dentures. Spirit Dental allows you to select your own Ameritas Dental Network provider and a plan that best fits the needs for you and your family. The Ameritas Dental Network is one of the nation’s largest. You save when you use a network provider as these providers have contracted fees (MAC/maximum allowable charge) through their network agreement with Ameritas. When you use a network provider, discounted fees can generally be 25-50% below the average for your area. Visit ameritas.com and select Find a Health Provider to find a provider near you. Simply enter your ZIP Code and choose the Classic (PPO) Network to start your search.

Plan includes a $100 lifetime deductible combined for Preventive, Basic and Major Services. Lifetime deductible is per person covered by the plan.

  • Annual Maximum: $1500 Year 1, $3000 Year 2, $3000 Year 3
  • Preventive Dental Services: 2 exams per year, 3 cleanings per benefit year paid 100%
  • Basic Dental Services: Bitewing X-rays (1 per benefit year) Basic Services are paid 65% year 1, 100% year 2, 100% year 3
  • Major Dental Services: Basic filling, Simple extractions, Dental Implants. Diagnostic X-ray (1 per benefit year), full or panoramic in any 3 year period, Oral surgery, Endodontic treatment, Periodontic services, Restoration services; inlays, onlays and crowns, Prosthetic services; bridges and dentures. Major Services are paid 20% year 1, 50% year 2, 50% year 3
Spirit Pinnacle PPO

The Spirit Pinnacle PPO plan helps you cover the costs of dental care. Covered dental services include exams, cleanings, fillings and extractions, as well as crowns, bridges and dentures. Spirit Dental allows you to select your own Ameritas Dental Network provider and a plan that best fits the needs for you and your family. The Ameritas Dental Network is one of the nation’s largest. You save when you use a network provider as these providers have contracted fees (MAC/maximum allowable charge) through their network agreement with Ameritas. When you use a network provider, discounted fees can generally be 25-50% below the average for your area. Visit ameritas.com and select Find a Health Provider to find a provider near you. Simply enter your ZIP Code and choose the Classic (PPO) Network to start your search.

Plan includes a $100 lifetime deductible combined for Preventive, Basic and Major Services. Lifetime deductible is per person covered by the plan.

 

  • Annual Maximum: $1200 Year 1, $2500 Year 2, $5000 Year 3
  • Preventive Dental Services: 2 exams per benefit year, 3 cleanings per benefit year paid 100%
  • Basic Dental Services: Basic fillings, Space maintainers, Bitewing X-rays (1 per benefit year), Sealants (under age 16), Floride (under age 16) 1 per benefit year. Basic Services are paid 50% year 1, 60% year 2, 80% year 3
  • Major Dental Services: Simple extractions, Dental Implants. Diagnostic X-ray (1 per year), full or panoramic in any 3 year period, Oral surgery, Endodontic treatment, Periodontic services, Restoration services; inlays, onlays and crowns, Prosthetic services; bridges and dentures. Major Services are paid 25% year 1, 30% year 2, 60% year 3
  • Orthodontic care for the proper alignment of teeth is provided only to dependent children who are under 19 when treatment is received. Coverage is 10% year one, 25% year two and 50% year three with a $1,200 lifetime maximum per child.
Spirit Flex Plus

The Spirit Flex Plus plan helps you cover the costs of dental care. Covered dental services include exams, cleanings,
fillings and extractions, as well as crowns, bridges and dentures. This Spirit plan gives you the freedom to use any
dentist. The Ameritas Dental Network is one of the nation’s largest. You save when you use a network provider
as the providers have contracted fees (MAC/maximum allowable charge) through their network agreement with
Ameritas. When you use a network provider, discounted fees can generally be 25-50% below the average for your
area. Visit ameritas.com and select Find a Health Provider to find a provider near you. Simply enter your ZIP Code
and choose the Classic (PPO) Network to start your search.

Additionally, when you visit a network dental provider your out-of-pocket costs may be lower because the dentists
have agreed to a contracted fee for services. You are responsible for any coinsurance and the required deductible.
It is important to note that if you receive care from a non-network dentist your out-of-pocket charges will be based on Usual and Customary charges*.

Plan includes a $100 lifetime deductible combined for Preventive, Basic and Major Services. Lifetime deductible is
per person covered by the plan.

Spirit Flex Plus | This policy pays for dental expenses for network providers based on the contracted fee (MAC)
agreement with Ameritas. Non-network dentists covered dental expenses will be based on Usual and Customary
charges after the $100 deductible (combined for Preventive, Basic and Major Services) has been satisfied. The
coinsurance percentages are: 100% for Preventive Services, 50% for Basic and 20% for Major. In year two, Basic
services increase to 70% and 40% for Major Services. In year three, Basic Services increase to 80% and 50% for
Major Services. Your benefit year maximum amount starts in year one at $1,500 and increases to $2,500 year two
and thereafter.

 

  • Annual Maximum: $1,500 Year 1, $2,500 Year 2, $2,500 Year 3
  • Preventive Dental Services: 2 exams per benefit year, 3 cleanings per benefit year paid 100%
  • Basic Dental Services: Basic fillings, Space maintainers, Bitewing X-rays (1 per Benefit year), Sealants (under age 16), Fluoride (under age 16) (1 per benefit year). Services are paid 50% year 1, 70% year 2, 80% year 3
  • Major Dental Services: Simple extractions, Diagnostic X-ray (1 per benefit year), full or panoramic in any 3 year period, Oral surgery, Endodontic treatment Periodontic services, Restoration services; inlays, onlays and crowns, Prosthetic services; bridges and dentures. Major Services are paid 20% year 1, 40% year 2, 50% year 3
Spirit Preventative Plus PPO
  • Annual Maximum: $750 Year 1, $1000 Year 2, $1000 Year 3
  • Preventative Dental Services: 2 exams per year, 2 cleanings per year, Bitewing X-rays (1 per year)
  • Basic Dental Services: Space maintainers Sealants (under age 16) Fluoride (under age 16) (1 per year)  Basic Services are paid 50% year 1, 50% year 2, 50% year 3
  • Major Dental Services: Fillings, Simple extractions, Diagnostic X-ray (1 per year), full or panoramic in any 3 year period, Oral surgery, Endodontic treatment, Periodontic services Restoration services; inlays, onlays and crowns Prosthetic services; bridges and dentures Major Services are paid 20% year 1, 20% year 2, 20% year 3
Spirit Core PPO
  • Annual Maximum: $1200 Year 1, $1200 Year 2, $1200 Year 3
  • Preventative Dental Services: 2 exams per benefit year, 3 cleanings per benefit year paid 100%
  • Basic Dental Services: Space maintainers
  • Bitewing X-rays (1 per year) Sealants (under age 16) Fluoride (under age 16) (1 per year)  Basic Services are paid 50% year 1, 65% year 2, 80% year 3
  • Major Dental Services: Simple extractions, Dental Implants. Diagnostic X-ray (1 per year), full or panoramic in any 3 year period, Oral surgery, Endodontic treatment, Periodontic services, Restoration services; inlays, onlays and crowns, Prosthetic services; bridges and dentures, Basic fillings. Major Services are paid 25% year 1, 50% year 2, 50% year 3
  • Orthodontic care for the proper alignment of teeth is provided only to dependent children who are under 19 when treatment is received. Coverage is 10% year one, 25% year two and 50% year three with a $1,200 lifetime maximum per child.
Spirit Flex
  • Annual Maximum: $1,000 Year 1, $2,000Year 2, $2,000Year 3
  • Preventative Dental Services: 2 exams per benefit year, 2 cleanings per benefit year paid 100%
  • Basic Dental Services: Space maintainers, Bitewing X-rays (1 per benefit year) Sealants (under age 16), Fluoride (under age 16) (1 per benefit year), Services are paid 50% year 1, 70% year 2, 80% year 3
  • Major Dental Services: Basic fillings, Simple extractions, Diagnostic X-ray (1 per year), full or panoramic in any 3 year period Oral surgery, Endodontic treatment, Periodontic services, Restoration services; inlays, onlays and crowns, Prosthetic services; bridges and dentures. Major Services are paid 15% year 1, 30% year 2, 40% year 3
Spirit Senior Preferred PPO
  • Annual Maximum: $1500 Year 1, $3000 Year 2, $3000 Year 3
  • Preventative Dental Services: 2 exams per year, 3 cleanings per benefit year paid 100%
  • Basic Dental Services: Bitewing X-rays (1 per benefit year) Basic Services are paid 65% year 1, 100% year 2, 100% year 3
  • Major Dental Services: Basic filling, Simple extractions, Dental Implants. Diagnostic X-ray (1 per benefit year), full or panoramic in any 3 year period, Oral surgery, Endodontic treatment, Periodontic services, Restoration services; inlays, onlays and crowns, Prosthetic services; bridges and dentures. Major Services are paid 20% year 1, 50% year 2, 50% year 3
Spirit Pinnacle PPO
  • Annual Maximum: $1200 Year 1, $2500 Year 2, $5000 Year 3
  • Preventative Dental Services: 2 exams per benefit year, 3 cleanings per benefit year paid 100%
  • Basic Dental Services: Basic fillings, Space maintainers, Bitewing X-rays (1 per benefit year), Sealants (under age 16), Floride (under age 16) 1 per benefit year. Basic Services are paid 50% year 1, 60% year 2, 80% year 3
  • Major Dental Services: Simple extractions, Dental Implants. Diagnostic X-ray (1 per year), full or panoramic in any 3 year period, Oral surgery, Endodontic treatment, Periodontic services, Restoration services; inlays, onlays and crowns, Prosthetic services; bridges and dentures. Major Services are paid 25% year 1, 30% year 2, 60% year 3
  • Orthodontic care for the proper alignment of teeth is provided only to dependent children who are under 19 when treatment is received. Coverage is 10% year one, 25% year two and 50% year three with a $1,200 lifetime maximum per child.
Spirit Flex Plus
  • Annual Maximum: $1,500 Year 1, $2,500Year 2, $2,500Year 3
  • Preventative Dental Services: 2 exams per benefit year, 3 cleanings per benefit year paid 100%
  • Basic Dental Services: Basic fillings, Space maintainers, Bitewing X-rays (1 per Benefit year), Sealants (under age 16), Fluoride (under age 16) (1 per benefit year). Services are paid 50% year 1, 70% year 2, 80% year 3
  • Major Dental Services: Simple extractions, Diagnostic X-ray (1 per benefit year), full or panoramic in any 3 year period, Oral surgery, Endodontic treatment Periodontic services, Restoration services; inlays, onlays and crowns, Prosthetic services; bridges and dentures. Major Services are paid 20% year 1, 40% year 2, 50% year 3
30 Day Money Back Guarantee

All Spirit Individual Dental Insurance plans and Vision plans come with our 30-day Customer Satisfaction Guarantee. You have 30 days after your plan becomes effective to cancel your plan if you are not satisfied for any reason.

Any premium paid will be fully refunded provided no covered services have been rendered. If services have been provided, you may still cancel your policy, however, the premium paid will not be eligible for reimbursement. This refund does not include the non-refundable enrollment fee of $25 made at the time of enrollment.

We also offer the BEST One Dental insurance plan which has no waiting periods. If you are looking for a lower priced plan, consider the Dental Savings plans which provide discounts of 15% to 60% the discount plans very popular and include: Aetna Dental Access, Careington Dental Plans and the DenteMax dental plan.

Spirit Dental & Vision Features

  • No waiting periods for preventative, basic or major services
  • $100 Lifetime deductible – Once it is satisfied you no longer have  a deductible for as long as you have your plan
  • Annual maximums increase year one through three
  • Network options use the Ameritas Classic PPO Network which includes over 131,000 providers
  • Choice options gives you the freedom to use in and out of network providers
  • Most options include three cleanings per year paid 100%
  • 12 month rate guarantee. After 12 months, your monthly cost may increase or decrease after a 30 day notice
  • 30 Day satisfaction guarantee for both dental and vision
  • EyeMed Vision rider: $7 Applicant. $14 Applicant + 1, $20 Family
  • Payment options: Visa, MasterCard, Discover or automatic deduction from checking or savings account
  • View the Spirit Dental and Vision brochure

You will receive your ID cards and policy certificate in the mail within ten days. You can start using your plan on the effective date

You will receive your ID cards and policy certificate in the mail within ten days. You can start using your plan on the effective date.

Ameritas Dental Insurance

Ameritas Network Savings

The Spirit dental insurance plans helps you cover the costs of dental care. Covered dental services include exams, cleanings, fillings and extractions, as well as crowns, bridges and dentures. Spirit Dental allows you to select your own Ameritas Dental network provider and a plan that best fits the needs for you and your family. The Ameritas Dental Network is one of the nation’s largest. You save when you use a network provider as these providers have contracted fees through their network agreement with Ameritas. When you use a network provider, discounted fees can generally be 25-50% below the average for your area. Visit the Ameritas provider search page and select Find a Provider to find a provider near you. Simply enter your ZIP Code and choose the Classic (PPO) Network to start your search. Plan includes a $100 lifetime deductible combined for Preventive, Basic and Major Services. Lifetime deductible is per person covered by the plan.

Underwritten by Ameritas Life Insurance Corp. | 5900 O Street Lincoln, NE 68510

This is not a certificate of insurance or guarantee of coverage. Plan designs may not be available in all areas and are subject to individual state regulations. This piece is not for use in New Mexico.

This information is provided by Ameritas Life Insurance Corp. (Ameritas Life). Dental, vision and hearing care products (9000 Rev. 03-16 for Group and 9000 Rev. 02-19 for Individual, dates may vary by state) are issued by Ameritas Life. The Dental and Vision Networks are not available in RI. In Texas, our dental network and plans are referred to as the Ameritas Dental Network.

Ameritas, the bison design and “fulfilling life” are service marks or registered service marks of Ameritas Life, affiliate Ameritas Holding Company or Ameritas Mutual Holding Company. © 2023 Ameritas Mutual Holding Company

 

Contact us at: (800) 544-9505 with any questions on the Spirit Dental Insurance.