Spirit Dental & Vision —
No Waiting Periods. Coverage Starts Day One.
Affordable PPO dental and vision insurance available in Florida and nationwide. Underwritten by Ameritas Life Insurance Corp. Plans start at just $16/mo with guaranteed acceptance, high annual maximums, dental implant coverage, and the freedom to see any dentist.
* Pricing based on individual coverage for ZIP 33801 (FL) as of 2025. Rates vary by ZIP and state.
Why Spirit Dental
Dental Insurance Built Around You
No Waiting Periods
Coverage starts day one — see a dentist as early as tomorrow.
Guaranteed Acceptance
No health questions. Enroll any time of year.
3 Cleanings Per Year
More cleanings than most plans — better long-term health.
High Annual Maximums
Up to $5,000 in annual benefits — far above industry average.
See Any Dentist
25–50% savings in-network via the Ameritas Dental Network.
Add Vision for $7/mo
Bundle with EyeMed vision coverage for just $7 more per month.
Available Plans
Find the Plan That Fits Your Needs
All plans are PPO — see any dentist. In-network savings of 25–50% through the Ameritas Dental Network.
Preventive Plus PPO 1500
$16.09/mo
Low-cost plan focused on preventive care.
- Annual max up to $1,500
- 50% basic coverage
- 20% major coverage
- 2 cleanings per year
- No waiting periods
Pinnacle PPO 5000
$32.75/mo
High-value plan with the highest annual max.
- Annual max up to $5,000
- 25% 1st year major coverage
- Dental implants covered
- Child orthodontia
- No waiting periods
Preferred PPO 3500
$31.90/mo
Robust coverage available to everyone.
- Annual max up to $3,500
- 20% 1st year major coverage
- Dental implant coverage
- Hearing benefits
- No waiting periods
** 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. Plan distributed by Direct Benefits, an Alera Group Company. Underwritten by Ameritas Life Insurance Corp.
Add-On Available
Bundle Dental & Vision Insurance for Just $7/mo More
Add EyeMed vision coverage to any Spirit Dental plan for approximately $7/mo. Get annual eye exams, frames, lenses, and contact lens allowances — all with the same no-waiting-period guarantee. Dental and vision insurance together in one simple enrollment.
See Dental + Vision PlansCommon Questions
Frequently Asked Questions
Does Spirit Dental include vision coverage?
Vision coverage is available as an add-on through EyeMed for approximately $7/mo. It covers annual eye exams, frames, lenses, and contact lens allowances. You can bundle dental and vision in a single enrollment.
Is Spirit Dental available in Florida?
Yes — Spirit Dental & Vision plans are available in Florida and most other states. Enter your Florida ZIP code on the quote page to see plans and pricing available in your area.
Is there an age limit for Spirit Dental?
You must be 18 to be the primary policyholder. Spouses/domestic partners and unmarried children up to age 26 are eligible. There is no upper age limit.
How quickly can I start using my coverage?
Spirit Dental offers every-day effective dates. Choose a start date that fits your needs — coverage begins on your chosen effective date with no waiting periods for most services.
When will I get my ID card?
If you chose electronic delivery, you'll receive an email with portal access shortly after enrollment. Mail delivery takes up to 10 business days.
Can I use my current dentist?
Yes — Spirit Dental is a PPO plan, so you can see any licensed dentist. You'll save 25–50% when you use an in-network Ameritas provider.
Does Spirit Dental cover implants?
Yes — the Pinnacle PPO 5000 and Preferred PPO 3500 plans include dental implant coverage with no waiting period.
Ready to Protect Your Smile?
Get an instant quote online or call me directly — I'll help you pick the right plan for your budget and needs.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all of your options.
Not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is an advertisement for insurance. William Gray and affiliated licensed agents are independent insurance agents, not government employees or representatives. Medicare has neither reviewed nor endorsed this information.
Not all plans or types of coverage may be available in your area. Plan availability, benefits, and premiums vary by county and ZIP code. Enrollment in any plan depends on contract renewal. Benefits, premiums, and cost-sharing may change on January 1 of each year.
Independent Agent & Compensation Disclosure. William Gray is an independent licensed insurance agent (FL License #W690237) and is not employed by or exclusively affiliated with any single insurance company. William is compensated by insurance carriers when you enroll in a plan. This compensation does not affect the premium you pay — your premium is the same whether you enroll through a broker or directly with the carrier. Affiliated agents are independent contractors solely responsible for their own conduct and representations.