Spirit Dental and Vision is available to Oklahoma residents and is underwritten by Ameritas Life Insurance Corp., running on the same Ameritas dental network. What makes Spirit worth a separate look is not the network - it is the plan design. Spirit uses a one-time lifetime deductible rather than an annual one, and has no waiting periods on its plans.
What Actually Sets Spirit Apart
- A lifetime deductible, not an annual one. You satisfy the deductible once and never again for the life of the policy. Over three or four years that is a real difference from a plan that resets every January.
- No waiting periods. Basic and major services are available immediately rather than after the usual six or twelve months. If you already know you need work done, this is the single most important feature on this page.
- Three cleanings per year instead of the standard two.
- Benefit maximums increase over the first three years on the higher plans.
- No upper age limit for the policyholder, which matters for Medicare-age buyers since Original Medicare covers no routine dental.
- Vision rider available in Oklahoma through the EyeMed network.
Spirit Plans Available in Oklahoma
Oklahoma buyers see six plans: Preventive Plus PPO 1500, Core PPO 1200, Flex 2000, Flex Plus 2500, Preferred PPO 3500, and Pinnacle PPO 5000. They differ in annual maximum, how quickly major services reach full coinsurance, and whether the maximum escalates over three years.
The thing to understand before you compare. Spirit and Ameritas are the same insurance company on the same network. Comparing them is not comparing two networks - it is comparing two plan designs from one carrier. Spirit generally wins on waiting periods and the lifetime deductible; Ameritas has a broader tier lineup and its own vision products. We quote both and tell you which structure fits what you actually need done.
Who It Fits
Spirit is the strongest option on this site for someone who needs dental work soon. Most individual dental plans make you wait six months for a filling and a year for a crown. If you have been putting off treatment and are buying coverage because of it, the no-waiting-period design is worth more than a slightly lower premium elsewhere.
Get Your Spirit Dental Quote
Compare Spirit Dental Dental Plans
Dental premiums depend on your ZIP code, age, and how many people you are covering, and waiting periods differ by plan. Tell us who needs coverage and we will send your Spirit Dental options the same day, at no cost to you.
Or call (855) 847-7020 and we will walk through it with you.
Common Questions
Who underwrites Spirit Dental?
Ameritas Life Insurance Corp. Spirit is marketed separately but the insurer and the dental network are Ameritas.
Is the deductible really one time?
Yes. Spirit uses a lifetime deductible rather than an annual one, so once it is met it does not reset each plan year.
Are there waiting periods?
No. Spirit plans have no waiting periods, which is unusual in individual dental and is the main reason to consider it.
Is vision available in Oklahoma?
Yes. A vision rider is available through the EyeMed network.