Spirit Dental & Vision in Florida
Spirit Dental & Vision offers stand-alone dental and vision plans in Florida with no waiting periods, immediate coverage, and affordable monthly premiums.
Who is Spirit?
Spirit Dental & Vision is an Ameritas Life Insurance company offering stand-alone dental and vision insurance plans. They're known for immediate coverage with no waiting periods on most services.
For Floridians looking for dental and vision coverage outside of a health plan, Spirit offers PPO plans with a broad provider network, low deductibles, and coverage that starts right away.
Immediate
No waiting periods: use your benefits from day one.
Comprehensive
Preventive, basic, and major services all covered.
Value
Low premiums with meaningful coverage.
Flexibility
See any dentist, higher benefits in-network.
Why Choose Spirit Dental & Vision in Florida?
Highlights of what this carrier offers Florida residents.
No Waiting Periods
Coverage starts immediately: no 6-12 month waits.
Vision Included
Combined dental + vision plans for maximum savings.
PPO Network
Large provider network with freedom to see any dentist.
Affordable
Plans starting under $30/month for comprehensive coverage.
Spirit Dental & Vision Plans Available in Florida
Dental and vision only. Spirit does not sell medical coverage, and that focus is the point.
Individual Dental
Spirit's core product, and the reason people seek it out: no waiting period on anything, including major work.
- ✓No wait on preventive, basic or major
- ✓Crowns, root canals, dentures, implants
- ✓$100 lifetime deductible, not annual
- ✓Annual maximums up to $5,000
- ✓Coverage can start the next day
Dental with Orthodontia
Adds an orthodontia rider for families with braces on the horizon.
- ✓50% orthodontia coverage
- ✓Lifetime ortho maximum $1,500 to $2,500
- ✓12-month wait applies to ortho only
- ✓No wait on the rest of the plan
- ✓Adult and child options
Dental + Vision Bundle
Bundles a vision benefit onto the dental plan so exams and eyewear come off the same policy.
- ✓Routine eye exam covered
- ✓Frames and lens allowance
- ✓Bundled with dental billing
- ✓No medical plan required
- ✓Rates vary by ZIP code
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