Spirit Dental Insurance

No waiting period dental insurance by Ameritas Life includes multiple plan designs. There are no waiting periods for preventative, basic or major services. Annual Maximums of $750 to $5000 per person and the freedom to keep your own dentist or use a Ameritas Classic PPO Network provider for greater savings, lower monthly costs. Orthodontics and implant coverage is available under most plan options. Coverage can start as early as the next day.

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

Get a Quote or Apply

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 Offered by dentalinsuranceone.com in: AK, CA, CT, DE, DC, MD, MA, NM, NJ, NY, VT, WA
Vision Insurance for an additional $7 per Month
Call 1-800-544-9505 with Questions
Ameritas Spirit Dental Insurance Plan Features
  • Underwritten by Ameritas Life Insurance Company
  • No Waiting Periods - Preventative, Basic or Major
  • Everyone is Accepted - You can't be turned down - No Age Limits
  • Becomes Active as early as the next day
  • Cleanings and 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
30 Day Money Back 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 and implant coverage. The Network options use the Ameritas Classic PPO network. When you use a network provider, discounted fees can generally be 25-50% below the average for your area. Click Here to search for providers. The Choice options do not use a network and you can use any dentist.

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


Full plan details are available when getting a quote. Plans offered vary by state.



-- Two exams per calendar year
-- Two or Three cleanings per calendar year depending on plan chosen

BASIC Procedures

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

-- Basic fillings are considered a Basic service for all 1200/2500/5000 and 750/1000/1250 plans.

MAJOR Procedures

-- Simple extractions
-- Implants included with 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.

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 long 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.


About Us

DentalInsuranceOne.com is one of the many sites operated by Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed online insurance shoppers, we own and operate several insurance related properties. DentalinsuranceOne.com provides quotes on dental insurance and dental discount plans, combined with useful information and decision-making tools. We provide instant quotes from top rated insurance companies for multiple product lines and allows a user to purchase insurance directly from the company of their choice - always at the lowest price.

Long Term Consumer Care, Inc. is a insurance agency / producer licensed in most states and is not an employee of IHC or any of the other companies listed on this web site.

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