Spirit PPO Dental Plans

Shop affordable PPO dental insurance plans without waiting periods and see your dentist as early as tomorrow with comprehensive benefits.

Select the coverage that fits your needs:
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You

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You + One

Select coverage for you and your family – Icon of a family

Family

  • 10/1/2025

Why choose a Spirit PPO plan?


YSpirit PPO plans are designed to give you the flexibility, access and savings you deserve—all while keeping your dental health at the forefront:

  • No waiting periods—start using your benefits from day one, from cleanings to implants
  • Save up to 50% with PPO in-network discounts
  • High annual maximums up to $5,000
  • Lifetime deductible—pay it only once and never again
  • Easily bundle dental and vision coverage

Questions? Call (844) 833-8440.

A woman smiling with affordable dental coverage
A woman smiling with affordable dental coverage

Spirit PPO dental plan options

Preventive Plus PPO

Starting at

$13.35/mo*
  • Annual maxupto $1000
  • No waiting periodsImmediate full coverage
  • Coverage
  • 2 exams & 2 cleanings annually
  • Basic care
  • Major care
  • Child Ortho not covered
  • Implants not covered
  • Hearingnot covered
Core PPO

Starting at

$23.15/mo*
  • Annual max$1,200
  • No waiting periodsImmediate full coverage
  • Coverage
  • 2 exams & 3 cleanings annually
  • Basic care
  • Major care
  • Child Ortho
  • Implants
  • Hearingnot covered
Pinnacle PPO

Starting at

$31.78/mo*
  • Annual max$5,000
  • No waiting periodsImmediate full coverage
  • Coverage
  • 2 exams & 3 cleanings annually
  • Basic care
  • Major care
  • Child Ortho
  • Implants
  • Hearingnot covered
Preferred PPO

Starting at

$30.00/mo*
  • Annual max$3,000
  • No waiting periodsImmediate full coverage
  • Coverage
  • 2 exams & 3 cleanings annually
  • Basic care
  • Major care
  • Child Orthonot covered
  • Implants
  • Hearing

Sample monthly rates are based on an individual and represent the starting cost for most states as of Sept 2024. Pricing and plan options vary by geographic region.

Spirit Vision Spirit Vision

Spirit Vision

Combine dental and vision insurance for complete coverage.

Spirit Vision →

Spirit Flex

Dental plans with high reimbursements out-of-network.

Spirit Flex →

How to find a dentist in the Ameritas Dental Network

Our PPO plans connect you to the Ameritas Dental Network, one of the largest dental provider networks in the country. This network offers thousands of in-network dentists, ensuring you’ll have plenty of options wherever you are.

How to find an in-network dentist:

  1. Explore participating dentists using the Ameritas Dental Network provider search tool
  2. Enter your ZIP code to browse local dentists who accept Spirit Dental PPO plans
    1. Click “additional filters” to search for a dentist’s name
    2. Dentists displayed in green will be the most cost-effective compared to other providers in the area
  3. Choose the dentist that works best for you and enjoy the savings that come with in-network rates!
Find a dentist
How to find a dentist in the Ameritas Dental NetworkHow to find a dentist in the Ameritas Dental Network

Maximize your benefits with a Spirit PPO plan

Making dental care accessible and affordable makes Spirit one of the top dental plans available on the individual market. With all plans offering no waiting periods, Spirit focuses on getting the dental care you need when you need it a top priority.

How do these plans benefit you?

  • No waiting periods—instant access to care Get covered from day one for everything from preventive checkups to major procedures like crowns and implants.
  • High annual maximums—up to $5,000 Comprehensive annual benefits that help keep you covered for even the most extensive treatments.
  • Lifetime deductibles—pay it once, never again Enjoy the savings you’ll have yearly after paying your deductible only once.
  • 3x cleanings—at no additional cost An extra cleaning a year means fewer worries and a healthier smile.
  • Secondary coverage—dual savings Spirit does not coordinate benefits with other dental plans, giving you more savings for supplemental coverage.
  • Extensive network—convenience & savings Connect easily with leading in-network dentists nationwide and save up to 50%.
The best PPO dental insurance plan The best PPO dental insurance plan

The best PPO dental insurance plan is best served with no waiting periods

Shopping for dental insurance can be overwhelming, given the variety of plans today. Spirit knows it should be easy to get the dental care you need when you need it.

Whether shopping for your individual needs, family needs, or just retiring, shop Spirit PPO dental insurance plans today and go where your smile takes you!

Get a quote

PPO dental insurance FAQs

+ What is a PPO dental insurance plan?
+ What is the difference between in-network and out-of-network dentists?
+ How do I find an in-network dentist with Spirit Dental?
+ When can I start using my dental insurance plan benefits?

How to find a dentist in the Ameritas Dental Network

Our PPO plans connect you to the Ameritas Dental Network, one of the largest dental provider networks in the country. This network offers thousands of in-network dentists, ensuring you’ll have plenty of options wherever you are.

How to find an in-network dentist:

  1. Explore participating dentists using the Ameritas Dental Network provider search tool
  2. Enter your ZIP code to browse local dentists who accept Spirit Dental PPO plans
    1. Click “additional filters” to search for a dentist’s name
    2. Dentists displayed in green will be the most cost-effective compared to other providers in the area
  3. Choose the dentist that works best for you and enjoy the savings that come with in-network rates!
Find a dentist
How to find a dentist in the Ameritas Dental NetworkHow to find a dentist in the Ameritas Dental Network

Maximize your benefits with a Spirit PPO plan

Making dental care accessible and affordable makes Spirit one of the top dental plans available on the individual market. With all plans offering no waiting periods, Spirit focuses on getting the dental care you need when you need it a top priority.

How do these plans benefit you?

  • No waiting periods—instant access to care Get covered from day one for everything from preventive checkups to major procedures like crowns and implants.
  • High annual maximums—up to $5,000 Comprehensive annual benefits that help keep you covered for even the most extensive treatments.
  • Lifetime deductibles—pay it once, never again Enjoy the savings you’ll have yearly after paying your deductible only once.
  • 3x cleanings—at no additional cost An extra cleaning a year means fewer worries and a healthier smile.
  • Secondary coverage—dual savings Spirit does not coordinate benefits with other dental plans, giving you more savings for supplemental coverage.
  • Extensive network—convenience & savings Connect easily with leading in-network dentists nationwide and save up to 50%.