Spirit Dental Preferred PPO 3500 review

Spirit Dental Preferred PPO 3500 is a dental plan first, with hearing benefits as a bonus. Of Spirit's four PPO plans, it is the only one that includes hearing; the Preventive Plus, Core and Pinnacle plans list hearing as not covered. Spirit shows a starting price of $31.90 a month, based on individual coverage for ZIP code 33801 in Florida as of September 2026, with rates varying by ZIP code and state. The dental side is strong: a $3,500 annual maximum, implants covered, no waiting periods and a $100 lifetime deductible, and you can see any licensed dentist. Plans are issued by Ameritas Life Insurance Corp. The weakness for hearing shoppers is detail. Spirit's plan pages do not publish the hearing allowance, so ask for the plan documents and compare the amount with Cigna's $500 and $700 allowances before buying for hearing aids. Vision from EyeMed can be added for $7 a month. We compared documented features and published prices.

Who it is for

People who want strong dental cover with no waiting periods and some hearing benefits on the side.

Price

From $31.90 a month for individual coverage in ZIP 33801, Florida; rates vary by ZIP code.

Preferred PPO 3500 Starting at $31.90/mo
Quoted from the vendor pricing page on November 9, 2026.

Key features

• Hearing benefits included, the only Spirit PPO plan with them
• Annual dental maximum of $3,500
• No waiting periods, with coverage from day one
• $100 lifetime deductible on Spirit PPO plans
• Use any licensed dentist, in or out of network

Strengths and weaknesses

• Strength: Lowest published starting price of the bundled plans here
• Strength: No waiting periods on any service
• Strength: Lifetime deductible paid once instead of every year
• Weakness: Spirit's plan page does not state the hearing allowance amount
• Weakness: Starting price is for one Florida ZIP code and varies by state
• Weakness: Child orthodontics not covered on this plan

Key facts

• Starting price: $31.90 a month (ZIP 33801, Florida, September 2026)
• Annual dental maximum: $3,500
• Waiting periods: None
• Deductible: $100 lifetime
• Insurer: Ameritas Life Insurance Corp.

Where it ranks

Spirit Dental Preferred PPO 3500 is No. 10 in our Best Hearing Aid Insurance Plans verdict.