Dental and vision insurance are essential supplements to your health coverage. We offer Spirit Dental & Vision plans — individual and family PPO dental plans with no waiting periods, a one-time $100 lifetime deductible, and access to the Ameritas Dental Network with 25–50% in-network savings. You can see any dentist, in-network or out-of-network.
- No waiting periods — coverage starts day one for preventive, basic, and major services
- $100 lifetime deductible — pay it once, never again
- Ameritas Dental Network — 25–50% savings in-network; freedom to go out-of-network too
- Annual maximums that grow over time the longer you stay on the plan
- Available to individuals and families — enroll any time of year
- Available in all states except Washington
Spirit PPO Plans
Spirit updated their plan lineup in 2025. Annual maximums now graduate upward the longer you stay on the plan, rewarding loyalty with more coverage over time.
Preventive Plus PPO 1500
Entry Level · Preventive Focus
- Annual maximum up to $1,500
- 2 cleanings per year
- Basic & major coverage included
- No implant or orthodontia coverage
- Starting at ~$20–25/mo (varies by ZIP)
Best for: individuals wanting low-cost preventive coverage.
Core PPO 1200
Balanced Coverage · Family Friendly
- Annual maximum up to $1,200
- 3 cleanings per year
- Basic & major coverage included
- Child orthodontia & dental implants included
- Starting at ~$30–35/mo (varies by ZIP)
Best for: families with children who need orthodontic coverage.
Pinnacle PPO 5000
Most Comprehensive · Highest Annual Max
- Annual maximum: $1,200 yr 1 → $2,500 yr 2 → $5,000 yr 3+
- 3 cleanings per year
- Basic & major coverage included
- Child orthodontia & dental implants included
- Starting at ~$40–48/mo (varies by ZIP)
Best for: those wanting the highest possible annual maximum for major dental work.
Preferred PPO 3500
High Value · Includes Hearing Benefits
- Annual maximum: $1,500 yr 1 → $3,500 yr 2+
- 3 cleanings per year
- Basic & major coverage included
- Dental implants included
- Hearing exam & hearing aid benefits included
- Starting at ~$40–46/mo (varies by ZIP)
Best for: those who want implant coverage plus hearing benefits in one plan.
Vision Insurance Add-On
Spirit offers EyeMed vision insurance as an add-on to any of their dental plans. Starting at around $7/month, it provides meaningful savings on eye exams, glasses, and contact lenses through the EyeMed network.
How to Compare Plans and Enroll
Comparing plans and enrolling with Spirit is quick and easy — no open enrollment period required. You can enroll any time of year and coverage can start as soon as the next day.
- Get quotes for yourself, you + spouse, or you + family
- Compare all available PPO plans side-by-side
- Enroll directly online
- Rates vary by ZIP code and state
Get Your Dental & Vision Coverage Started Today
Call us at 1-888-972-0024 to speak with one of our agents, or use the button below to get an instant quote and compare plans online.
*Pricing shown is approximate and varies by ZIP code, state, and coverage tier. Not all plans are available in every state. Spirit Dental plans are not available in Washington State. Please review plan documents for full details.