Plan Details
Spirit Preferred PPO 3500
The strongest fit when dental work needs to happen soon and you cannot wait through a traditional waiting period.
This plan is built for people who need real dental insurance benefits right away. It includes no waiting periods for preventive, basic, and major services, uses a large Ameritas PPO network, and gives immediate access to coverage for treatment that cannot be delayed.
- About $154.24/month for Spirit coverage based on the current quote shown
- $100 lifetime deductible per person
- $1,500 annual max in year one, then $3,500 in years two and three
- No waiting periods for preventive, basic, and major services
- 3 cleanings and 2 exams per year
Pricing note: Monthly premium can vary by household and area. Use the enrollment flow to confirm your exact rate.
Who This Plan Fits Best
Best For
- people who need major dental work soon
- families or individuals who cannot wait months for coverage to begin
- people who want actual dental insurance instead of only a discount program
- people who value immediate access to benefits plus network discounts
Not Ideal For
- people who only want the cheapest routine-care option
- people who are mainly planning ahead for future work and can wait
- people expecting the plan to cover the entire bill in year one
Why It Stands Out
- no waiting periods for preventive, basic, and major care
- stronger year-one access than most traditional dental plans
- annual maximum increases after year one
- includes implant coverage and hearing benefits
How Spirit Preferred PPO 3500 Works
This plan is designed for quicker access to benefits. On individual Spirit plans, coverage can start quickly (including next-day effective dates in many cases), and there are no waiting periods for preventive, basic, or major services.
You pay a $100 lifetime deductible per person. The annual maximum is $1,500 in year one, then it rises to $3,500 in years two and three. That means the plan can help right away, but it does not eliminate out-of-pocket costs—especially for major work in year one.
You can use in-network or out-of-network dentists. In-network providers typically cost less because Spirit uses the Ameritas Dental Network. Out-of-network care is allowed, but you may pay more if the dentist charges above the plan allowance.
Quick Feature Snapshot
- Ameritas PPO network
- 25% to 50% typical in-network savings
- immediate access to covered services
- hearing benefits included
- implant coverage included
- 30-day customer satisfaction guarantee
No referrals are needed to use the plan. Your costs can be lower in-network, and higher out-of-network depending on charges and allowances.
What This Plan Helps Cover
Preventive Services
- 2 exams per year
- 3 cleanings per year
- in-network preventive: 100% in years 1, 2, and 3
- out-of-network preventive: 90% in years 1, 2, and 3
Basic Services
- bitewing x-rays
- in-network basic: 65% in year 1, 100% in years 2 and 3
- out-of-network basic: 55% in year 1, 90% in years 2 and 3
Major Services
- fillings; simple extractions
- diagnostic x-ray (full or panoramic) in any 3-year period
- oral surgery; endodontic and periodontic services
- inlays, onlays, and crowns; bridges and dentures
- in-network major: 20% in year 1, 50% in years 2 and 3
- out-of-network major: 10% in year 1, 40% in years 2 and 3
Implants and Hearing
- implants: in-network 10% in year 1, 20% in years 2 and 3
- out-of-network implants: 10% in all three years
- hearing aid benefit: $200 per ear in year 1, $400 per ear in years 2 and 3
- hearing benefit is separate from the dental annual maximum
Note: Coverage percentages shown are based on the Spirit Preferred PPO 3500 Utah brochure and should be verified during enrollment.
What We Still Want You to Know Before Choosing This Plan
- this plan helps immediately, but it does not make major work free
- year-one major coverage is only partial, so you will still pay a meaningful share of the bill
- out-of-network costs can be higher
- the plan becomes stronger after year one because the annual maximum rises and some coverage percentages improve
- this plan is stronger for urgent treatment than traditional waiting-period dental insurance, but it is also more expensive than lower-cost routine-care options
Callout: If you mainly want the lowest-cost routine dental option and nothing is urgent, this is probably more plan than you need.
When This Plan Makes the Most Sense
Example scenario: “A family already knows a crown or root canal needs to happen soon. They do not want to wait 6 to 12 months for benefits to begin. In that situation, Spirit Preferred PPO 3500 can be a stronger fit than a traditional dental plan with waiting periods because coverage and network discounts are available right away.”
Reminder: Year-one major coverage is still limited, but for urgent situations this can be much more useful than starting a plan that does not pay for major work yet.
What It’s Like to Work With Spirit Dental
- plans are underwritten by Ameritas
- large nationwide Ameritas Dental Network
- you can choose in-network or out-of-network providers
- in-network care usually lowers out-of-pocket cost
- next-day effective dates are available on individual plans
- 30-day customer satisfaction guarantee
- policy confirmation is emailed after enrollment
- policy documents typically arrive within about 10 business days
- if you have an appointment in the first few days after enrollment, you may need to call Ameritas customer service for benefit verification
We keep this simple on purpose: benefits and pricing can vary by state and household, and the enrollment flow is the best place to confirm specifics for your situation.
FAQ
Is Spirit Preferred PPO 3500 good if I need a crown right away?
It can be a strong option in this funnel for urgent needs because there are no waiting periods for major services. Just keep expectations realistic: year-one major coverage is partial and the annual maximum is $1,500, so you should still plan for out-of-pocket cost.
Does this plan have waiting periods?
Spirit Preferred PPO 3500 is positioned for immediate-help scenarios because it has no waiting periods for preventive, basic, and major services.
What is the deductible on this plan?
It uses a $100 lifetime deductible per person.
What is the annual maximum in year one?
The year-one annual maximum is $1,500. It increases to $3,500 in years two and three (per the plan details shown here).
Does this plan cover implants?
Yes—this plan includes implant coverage (with stated year-by-year percentages). Confirm the exact benefits and any limitations during enrollment.
Can I keep my current dentist?
Possibly. You can use both in-network and out-of-network providers. If your dentist is in the Ameritas network, your costs are typically lower. If not, you can still go, but you may pay more depending on charges and allowances.
What happens if I go out of network?
Out-of-network care is allowed, but your share of the cost can be higher—especially if the dentist charges above the plan allowance. In-network pricing is usually more predictable and discounted.
Is this better for urgent treatment or for long-term planning?
It’s strongest when something needs to happen now or soon, because benefits can be available right away and there are no waiting periods. It can also get stronger over time (higher annual maximum and improved percentages), but it’s not the lowest-cost option if you only want routine care.
Ready to Enroll in Spirit Preferred PPO 3500?
If this matches your situation, you can move forward here. If you still are not sure, go back to the plan overview and compare the other options.
For the strongest urgent-treatment strategy in this funnel, this plan is often paired conceptually with a discount plan to reduce out-of-pocket costs further, but this page is specifically for the Spirit Preferred PPO 3500 insurance plan.