Spirit Dental Insurance

Spirit Dental by Ameritas Life, includes multiple plan designs with No Waiting Periods for preventative, basic or major services. 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.

NO Waiting Periods for Preventative, Basic or Major Services.
PPO Dental Network Options and the freedom to use your own dentist

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Call us at: 1-800-544-9505 with any questions.
Apply Over the Phone and we will Waive the $25 Application Fee.
Major Services are paid 50% the First Year in IL
Spirit Dental Insurance is Not available in WA
Vision Insurance for an additional $7 per Month
Call 1-800-544-9505 with Questions
Spirit Dental Insurance Plan Features
  • No Waiting Periods - Preventative, Basic or Major
  • Everyone is Accepted - You can't be turned down - No Age Limits
  • Every Day Effective dates
  • Most Plans Include Three Cleanings and Two Exams per year Paid 100%
  • Network Options include over 220,000 dentists
  • Choice Options allow you to use Any dentist
  • Includes a $100 One Time (Lifetime) Deductible
  • 12 Month Rate Guarantee - Cancel at any time
12 Month Rate Guarantee

Spirit Dental & Vision Plan Options

Spirit Dental Insurance Plan Options

Each plan option pays a percentage of your cost for Preventative, Basic and Major services. Most plan options also includes Orthodontic coverage. The Network options use the Ameritas Classic PPO network Click Here to search for providers. The Choice option does not use a network and you can use any dentist. All plans have a 12 month rate guarantee and all plans are based on a benefit year for both annual maximum and percentage paid. A benefit year is 12 months from the date your plan becomes effective. The percentage paid increases years two and three.

Please Note: Major Procedures are paid 50% Day One in Illinois


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 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.


-- Two exams per calendar year
-- Three cleanings per calendar year with most plan options

BASIC Procedures

-- Space maintainers
-- One series of bitewing x-rays per year
-- Sealants under age 16 included in most plans
-- One topical fluoride per year under age 16 included in most plans

-- Basic fillings are considered a Basic procedure under select plans

MAJOR Procedures

-- Simple extractions
-- Implants (included in most plans)
-- One diagnostic x-ray, full or panoramic in any 3 year period
-- Oral surgery
-- Endodontic treatment
-- Periodontic services
-- Restoration services; inlays, onlays and crowns
-- Prosthetic services; implants, bridges and dentures
-- Basic fillings

Spirit EyeMed Vision Insurance
EyeMed Vision Plan

In-Network Benefits
$10 copay (once every 12 months)
Eye examinations include dilation as determined by the doctor.
Contact lens wearers will pay up to $55 for standard contact lens exam, including fit and follow-up, or receive 10% off retail price for premium contact lens exam, fit and follow-up.
$20 copay (once every 24 months)
Plan covers standard plastic single vision, bifocal or trifocal lenses of any size or power. Lens options are available at additional cost.
$0 copay (once every 24 months)
Plan covers a $130 retail allowance that can be applied toward the
purchase of any frame available at the provider location. The member will also receive a 20% discount off the balance if selecting a frame that costs more than $130.
CONTACT LENSES (instead of lenses and frame)
$20 copay (once every 24 months)

Plan covers a $130 retail allowance that can be applied toward the
purchase of conventional or disposable contact lenses. If the member chooses conventional contact lenses with a retail price over $130, member will receive 15% off the balance. Medically necessary contact lenses are paid in full after the copay. Replacement contact lenses can be ordered online and conveniently delivered to members’ homes through www.eyemedcontacts.com.
Spirit Vision members will also receive unlimited additional discounts on purchases made at participating provider locations, including:
• 40% off additional complete pairs of eyeglasses
• 15% off additional purchases of conventional contact lenses
• 20% off non-covered items like cleaning cloths or nonprescription

Out-of-Network Benefits
Members receive the richest benefits when using a participating
EyeMed provider. However, the plan includes an out-of-network benefit for services and materials obtained through non-network providers.
Eye Examination - Up to $25 Frames - Up to $40
Single Vision Lenses - Up to $20 Bifocal Lenses - Up to $30
Trifocal Lenses - Up to $40 Contact Lenses - Up to $60
Members must file claims for out-of-network benefits. Members can obtain an out-of-network claim form from EyeMed’s Web site, www.eyemedvisioncare.com, or by calling 866-723-0513. Members will pay for all services and materials in full, then submit the completed claim form with receipts for reimbursement.

ELIGIBILITY | The insurance coverage is available in states where it’s approved to anyone age 18 and older who does not have coverage through another Ameritas dental plan. You can request coverage for your dependents; dependent eligibility varies based on state law. DEDUCTIBLE AMOUNT | The deductible is shown in the coverage schedule. The deductible is an amount of covered dental charges incurred by an insured person for which no benefits will be paid. PREDETERMINATION OF BENEFITS | It is recommended that a treatment plan/course of treatment be submitted when the total cost of eligible expenses for any insured is expected to exceed the amount shown on the coverage schedule. This should be submitted to us before the work is started. If actual services submitted do not agree with the treatment plan, or if a treatment plan is not sent in, we will base our payment on treatment consistent with reasonable and customary charges. Predetermination of benefits is not a guarantee of what we will pay. The estimated benefit payment is based on your current eligibility and benefits in effect at the time of the completed service. Submission of other claims or changes in eligibility or this policy may alter final payment. TERMINATION OF COVERAGE | Coverage terminates on the earliest of the following dates: the last day of the month in which you cease to be eligible for coverage; the last day of the month in which your dependent is no longer a dependent, as defined; subject to the Grace Period, the last day of the month for which a premium has been paid by You or on your behalf; or the date the policy ends. EFFECTIVE DATE | When you enroll online your coverage can start as soon as the next day. Do not cancel any other insurance or assume you are insured under this plan until you receive written confirmation. Please note your enrollment may take 4 business days to be processed and accessible through any network providers. ELIGIBLE EXPENSES | Expenses must be incurred while the policy is in force and the person is covered by the policy. To become an eligible expense, the dental services must be performed by: a licensed provider performing dental services within the scope of their license; or a licensed dental hygienist acting under the supervision and direction of a dentist. MISSING TOOTH | If an insured has lost one or more teeth prior to this policy effective date, we will not pay for a prosthetic device that replaces such teeth unless the device also replaces one or more natural teeth lost or extracted while covered under this policy. We will pay for fixed bridges or dentures to replace such missing teeth if teeth were extracted within 6 months of this policy effective date if this policy immediately replaces a prior plan. Replacement of congenitally missing teeth is not covered under your plan unless you are replacing a current fixed bridge or denture. This replacement is subject to contract replacement limits.

All Spirit Individual Dental 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.


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

This highlight 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. Premium rates may change upon renewal. This policy is renewable at the option of the insured.

This information is provided by Ameritas Life Insurance Corp. (Ameritas Life). Individual dental, vision and hearing care products (Indiv. 9000 Rev. 02-19), and vision policy form (Indiv. 9000 Rev. 02-19 V, dates may vary by state) are issued by Ameritas Life. This piece is not for use in New Mexico. The Ameritas Dental Network is not available in MT or RI. In Texas, our dental network and plans are referred to as the Ameritas Dental Network. Some states require that producers be appointed with Ameritas Life before soliciting its products.


NOTICE: This provides a very brief description of some of the important Dental Network: features of the insurance policy. It is not the insurance policy and does not represent it. A full explanation of benefits, exceptions and limitations is contained in Individual Dental Policy.


Spirit Dental Insurance No Waiting Periods


Ameritas Insurance

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> Click Here to Find a Dentist in the Ameritas Classic PPO Network

EyeMed Vision Plan

The EyeMed Vision Insurance plan can be added to your Spirit Dental Insurance for an additional amount.


  • Applicant: $7
  • Applicant +1: $14
  • Family: $20

Yes, you have the freedom to keep your dentist. The Network option is a PPO network. A PPO network allows you to use a network or non network dentist.


With the Network option, if you use a out of network dentist, you might have additional expenses out of pocket. Click Here to search for network providers.


The Choice option does not use a network and you can use any dentist with this option.

PPO stands for Preferred Provider Organization. The


The dentists that are in the network are contracted with the network and charge according to a discount fee schedule. This will provide you with a lower cost plan and lower amounts out of pocket.


If you use a dentist that is not in the PPO network, the insurance company will pay just like you are using a network dentist. If the dentist charges more, you may have more out of pocket.

Yes, you can have more than one dental plan as only one is through Ameritas. The insurance companies will coordinate benefits to make sure that the two plans combined are not paying the dentist more than the procedure charge.


You can also use a second plan to pick up when the other plan reaches it's annual maximum


If you have a discount dental plan, you can use it with the Choice Network option. If using the Network option, the discount plan can only be used if your dentist is outside of the PPO network.


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