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Why choose a Spirit Flex plan?
You shouldn't have to plan your dental care around a network map. With Spirit Flex plans, you're free to choose any dentist, in- or out-of-network, and still receive dependable coverage for preventive, basic and major services:
- Freedom to choose any dentist, in or out-of-network
- Save up to 50% with in-network discounts
- Out-of-network coverage based on what 8 of 10 dentists charge in your area (80% UCR)
- Lifetime deductible—pay it once, never again
- Easily bundle dental and vision coverage
Get your free dental quote today.
Questions? Call 1-844-833-8440 or contact us.
Spirit Flex dental plan options
Flex
Starting at
$28.68/mo**- Annual max Up to $2,000
- No waiting periods Immediate coverage
- Coverage
- 2 cleanings & 2 cleanings annually
- Basic care
- Major care
Flex Plus
Starting at
$40.04/mo**- Annual max Up to $2,500
- No waiting periods Immediate coverage
- Coverage
- 2 cleanings & 3 cleanings annually
- Basic care
- Major care
*Pricing shown is based on individual coverage for ZIP code 33801 in Florida as of August 2025. Rates vary by ZIP code and state. Not all plans are available in every state. Please review plan documents for full details.
What is the difference between Spirit Flex and Spirit PPO plans?
Both Spirit Flex and Spirit PPO provide the flexibility to see any dentist. The biggest difference you’ll see comes down to whether you’ll visit a provider in-network or out-of-network.
Flex PPO
plan type PPO
In-network coverage Access to the Ameritas Dental Network offering 25-50% reduced rates.
Out-of-network coverage Reimbursement based on Maximum Allowable Charge (MAC).
Best for Individuals who plan to stay in-network.
Spirit Flex
plan type PPO + UCR hybrid
In-network coverage Access to the Ameritas Dental Network offering 25-50% reduced rates.
Out-of-network coverage Reimbursement based on Usual, Customary and Reasonable (UCR) at the 80th percentile, or what 8 of 10 dentists in the area charge.
Best for Individuals who want the flexibility to go in- or out-of-network.
Freedom to choose any preferred dentist
Whether you can't find a dentist in-network, you travel extensively or you just want the freedom to choose any provider, Spirit Flex plans are built for freedom.
Coupled with a no waiting period policy and next-day effective dates, you can see your preferred dentist as early as tomorrow. Get the care you need without hassle, and feel good about your dental benefits.
Dental insurance FAQs
Review the most frequently asked questions about Spirit Dental insurance plans:
