Yes. Spirit Dental insurance plans are underwritten by Ameritas Life Insurance Corp. Spirit Dental offers the plans to consumers, while Ameritas serves as the insurance carrier.

Spirit Dental plans provide access to the Ameritas Dental Network, which includes approximately 150,000 unique providers, 104,000 unique locations and 734,000 access points nationwide.

You can search the Ameritas Dental Network by dentist name, ZIP code or location to see whether your dentist participates.

You may also be able to use a licensed out-of-network dentist, depending on your plan.

Search the Ameritas Dental Network .

Participating Ameritas network dentists agree to negotiated fees for covered dental services. Using an in-network provider can help reduce the amount you pay compared with a dentist's standard charges.

After you enroll in a Spirit Dental plan, you’ll receive an email from Ameritas with your policy number and instructions for setting up your Ameritas member portal.

Through the portal, you can access your dental ID cards and important information about your coverage.

You’ll see both the Spirit Dental and Ameritas names throughout your coverage experience.

No. Spirit Dental and Ameritas have different roles. Spirit Dental offers dental insurance plans to consumers, while Ameritas Life Insurance Corp. underwrites the plans and provides access to its dental network.

Spirit Dental plans allow you to choose a licensed dentist. Using a participating Ameritas Dental Network provider can provide additional savings through negotiated network rates.

Out-of-network benefits vary by plan.

The Ameritas Dental Network includes approximately 150,000 unique providers, 104,000 unique locations and 734,000 access points nationwide.

Use the Ameritas online provider search and enter a dentist name, ZIP code or location to find participating dental providers near you.

Find an Ameritas network dentist .

Spirit Dental plans are underwritten by Ameritas and use the Ameritas Dental Network, so your dentist may be more familiar with the Ameritas name than Spirit Dental.

If your dental office says they don’t take Spirit Dental, let them know that your plan uses the Ameritas Dental Network and ask whether they participate with Ameritas.

If they participate in the Ameritas Dental Network, they can identify your coverage using the information on your Ameritas member ID card.