Spirit Dental: 2026 Arizona Individual Plans & Rates
No waiting periods on preventive, basic, and major services — coverage as soon as next day after enrollment. Underwritten by Ameritas Life Insurance Corp.
Waiting Periods
None on Major & Basic
Effective Date
Next Day
Deductible
$100 Lifetime
Availability
Statewide Arizona
Network
Ameritas DPPO
About Spirit Dental & Vision
Spirit Dental & Vision is an individual dental insurance brand whose plans in Arizona are underwritten by Ameritas Life Insurance Corp, one of the oldest and most financially stable dental carriers in the United States. Spirit Dental was built specifically to solve the biggest frustration with traditional dental insurance: waiting periods that delay care for months or years. With Spirit Dental, Arizona residents can enroll any day of the year — there is no open enrollment period — and receive same-day approval with coverage effective as soon as the next day. That means you can walk into a dentist’s office and use your benefits immediately, including for fillings, extractions, root canals, crowns, bridges, and dentures. The headline advantage: Spirit Dental imposes no waiting period on Type I (preventive), Type II (basic), or Type III (major) services. The only waiting period in the product is a 12-month hold on the optional orthodontia rider. This is the defining reason most Arizona residents choose Spirit Dental over a traditional carrier.
Deductible Structure
Instead of a standard annual deductible that resets every January, Spirit Dental uses a $100 lifetime deductible. You pay it once, and it never comes back. Better still, the deductible diminishes by $25 for each full year of continuous coverage, so loyal members may owe little or nothing before major benefits apply. This structure rewards staying enrolled and reduces out-of-pocket friction on large claims. Enrolled through Arizona Health Agents? Our licensed agents can compare Spirit Dental against other Arizona carriers, help you choose the right tier, and walk you through the Ameritas DPPO provider directory so you know your current dentist is in-network before you enroll. Call 855.847.7020 at no cost to you.
2026 Spirit Dental Plan Comparison — Arizona
All plans use the Ameritas DPPO network. Rates shown are estimated individual monthly premiums for a single adult in Arizona; exact rates vary by age and ZIP code. Annual maximums apply to in-network services.| Plan | Est. Monthly Premium | Annual Maximum | Implants | Ortho Rider |
|---|---|---|---|---|
| Core Plan | ~$40 – $48 / mo | $1,200 | Not Included | Available |
| Network Plus | ~$48 – $58 / mo | $1,500 | Not Included | Available |
| Preferred Plan | ~$55 – $65 / mo | $3,500 | Not Included | Available |
| Pinnacle PPO | ~$60 – $70 / mo | $5,000 | 50% — $1,500–$3,000 lifetime | Available |
All four plans share the same no-waiting-period structure on preventive, basic, and major services. The ortho rider (12-month waiting period, 50% covered up to $1,500–$2,500 lifetime max) is an optional add-on available on all tiers. Vision rider also available separately.
What Does Spirit Dental Cover?
Coverage details apply to all 2026 Spirit Dental individual plans in Arizona unless otherwise noted. In-network benefits shown.Type I
Preventive
100%
No Waiting Period
- 2 cleanings per year
- Routine exams
- Bitewing X-rays
- Full-mouth X-rays
- Fluoride treatments
- Sealants (children)
Type II
Basic Restorative
80%
No Waiting Period
- Amalgam & composite fillings
- Simple extractions
- Periodontal treatment
- Root canals
- Emergency palliative care
Type III
Major Services
50%
No Waiting Period
- Crowns & onlays
- Bridges
- Complete & partial dentures
- Surgical extractions
- Oral surgery
Optional Rider
Orthodontia
50%
12-Month Waiting Period
- $1,500–$2,500 lifetime max
- Adult & child ortho
- Only waiting period in the plan
- Added as optional rider
Pinnacle PPO Only
Dental Implants
50%
No Waiting Period
- $1,500–$3,000 lifetime max
- Implant crown included
- Pinnacle PPO plan required
- Subject to annual maximum
Optional Rider
Vision
Varies
Contact for Details
- Eye exams covered
- Frames & lenses benefit
- Contact lens allowance
- Available as add-on rider
Frequently Asked Questions
Are there really no waiting periods with Spirit Dental?
Correct — Spirit Dental eliminates waiting periods on preventive (Type I), basic (Type II), and major (Type III) services. Coverage begins as soon as your plan effective date, which can be as soon as the next day after enrollment. You can get a filling, root canal, crown, or even a bridge covered from day one.The only waiting period in any Spirit Dental plan is a 12-month hold on the optional orthodontia rider. If you do not add the ortho rider, there are zero waiting periods in your plan.
Is Spirit Dental the same company as Ameritas?
Spirit Dental & Vision is a separate consumer brand, but its individual dental insurance plans in Arizona are underwritten by Ameritas Life Insurance Corp. Ameritas is one of the most established dental underwriters in the country, founded in 1887 and rated A (Excellent) by AM Best.You will use the Ameritas DPPO network to find in-network dentists, but Spirit Dental’s plan designs, pricing, and no-waiting-period structure are specific to the Spirit Dental brand and differ from standard Ameritas group products sold through employers.
What is the Spirit Dental deductible?
Spirit Dental uses a $100 lifetime deductible — not an annual deductible. Once you have satisfied your $100 deductible, you never pay it again regardless of how many years you remain enrolled.Additionally, the deductible diminishes by $25 for each full year of continuous coverage, so a member who has been enrolled for four years effectively has a $0 deductible. This structure is one of the most member-friendly deductible designs available in the individual dental market.
Can I enroll in Spirit Dental at any time of year?
Yes. Spirit Dental individual plans have no open enrollment window. You can apply any day of the year, 365 days a year, and typically receive same-day approval. Coverage becomes effective as soon as the next day in most cases.This makes Spirit Dental a strong option if you have an upcoming dental procedure and need coverage quickly, or if you missed traditional open enrollment periods and have been going uninsured.
Does Spirit Dental cover dental implants?
Implant coverage is available on the Pinnacle PPO plan only. Under the Pinnacle PPO, implants are covered at 50% after the deductible, subject to a $1,500–$3,000 lifetime maximum. There is no separate waiting period for implants on the Pinnacle PPO — implant coverage begins on your effective date just like other major services.Implants are not included on the Core, Network Plus, or Preferred plan tiers. If implants are a priority, the Pinnacle PPO at approximately $60–$70/month is the appropriate plan level.
How do I cancel my Spirit Dental plan?
Spirit Dental individual plans are month-to-month in nature. However, some plan tiers include an initial 12-month commitment period from the enrollment date. Once any initial commitment period has passed, you can request cancellation by contacting Spirit Dental’s customer service directly.Coverage typically ends at the end of the paid month following your cancellation request. Review your specific plan documents for the exact terms of your tier, or contact our office at 855.847.7020 and we can walk you through the details before you enroll.
Ready to Get Covered — As Soon as Tomorrow?
Our licensed Arizona agents will compare Spirit Dental against every available carrier at no extra cost to you. Get the right plan at the right price in minutes.Disclaimer: Plan information, rates, and benefit details are sourced from Spirit Dental & Vision and Ameritas Life Insurance Corp materials current as of May 2026. Premium estimates are representative ranges for a single adult in Arizona and will vary based on age, ZIP code, and plan tier selected. Benefits and rates are subject to change. Arizona Health Agents is an independent licensed insurance agency and is not affiliated with Spirit Dental or Ameritas Life Insurance Corp. This page is for informational purposes only and does not constitute a binding insurance contract. Always review the official Evidence of Coverage (EOC) and Summary of Benefits before enrolling.
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