Ameritas Dental Plans
The Ameritas approach to dental insurance is simple – plan options to fit your dental needs backed by one the largest dental networks nationwide and award-winning service. It’s really that simple. Ameritas individual dental insurance is an affordable way to maintain dental health when you are not eligible for benefits through an employer.
Plan highlights include:
-
- No enrollment fees
- No waiting periods and additional savings by going in-network.
- You can visit any dentist, and will almost always pay less out-of-pocket when visiting an Ameritas Dental Network provider.
- Over 400,000 access points and 100,000 in-network dentists nationwide.
- Discounted fees, typically 30% below average charges in your community
- Two exams and cleanings per year covered at 100%
- Up to $2,500 annual maximum benefit amount per person
- The freedom to choose any dentist or utilize the Ameritas Dental network with over 428,000 access points and 111,500 unique providers
- Comprehensive coverage for all ages (18+) at a single rate
- A 30 day customer satisfaction guarantee
- Dental plans are also available to Seniors ages 65+
- Enhanced dental benefits with prior coverage
Network for greatest savings.
- Over 400,000 access points nationwide
- Over 100,000 unique providers nationwide
- Ameritas 65+ insureds have a 41% network utilization with a 31% discount average
- 94% provider persistency
Plan Designs
Ameritas offers 2 plans: Advantage Network and Advantage Plus coverage levels, with a choice of a $1,000, $2,000 or $2,500 annual benefit.
The Advantage Network is best for individuals using an Ameritas network provider. The Advantage Plus is best for individuals using a non-network provider. The Advantage Network plans provide great discounts for using in-network dentists and prevents any billing “surprises” that dentists outside of the network may charge balance billing (bill the patient for larger amounts than the insurance company pays).
Advantage Plans
- Designed for someone looking for coverage on all services
- Coverage levels increase year after year
- Plan providing coverage beginning day one
- Choice of $1,000 or $2,000 maximum per year benefit
Advantage Plus Plans
- Designed for someone looking for higher coverage levels
- Includes orthodontics and implants
- Coverage on major services starts day 1, but increases year over year
- Choice of $1,000 or $2,500 maximum per year benefit
Network vs. Non-Network
- All plans offer out-of-network benefits
- Non-network plans provide higher levels of coverage for non-network dentists
- Network plans are cheaper, and are a good way to save money if your dentist is in network
d
| Advantage 1000 Network Plan | Advantage 1000 Plan | Advantage Plus 2000 Network Plan | Advantage Plus 2000 Plan | |
|---|---|---|---|---|
| Apply | Apply | Apply | Apply | |
| Network | Designed for those who will utilize a Ameritas Dental Network provider | Freedom to use any dentist, opportunity to utilize a Ameritas Dental Network provider for additional savings | Designed for those who will utilize a Ameritas Dental Network provider | Freedom to use any dentist, opportunity to utilize a Ameritas Dental Network provider for additional savings |
| Maximum Benefit | $1,000 calendar year benefit | $1,000 calendar year benefit | $2,000 calendar year benefit | $2,000 calendar year benefit |
| Deductible (Basic & Major only)a specified amount of money that the insured must pay before an insurance company will pay a claim. | $50 | $50 | $50 | $50 |
| Waiting Periods | No | No | No | No |
| Enrollment Fees | No | No | No | No |
| Typical Price in your area per month: | $28.70 | $38.71 | $41.72 | $56.28 |
| PREVENTIVE SERVICES (type 1) | ||||
| Plan Pays | Plan Pays | Plan Pays | Plan Pays | |
| Exams (2/year) | 100% | 100% | 100% | 100% |
| Cleanings (2/year) | 100% | 100% | 100% | 100% |
| Bitewing X-rays | 100% | 100% | 100% | 100% |
| Fluoride Treatments (under age 16) | 100% | 100% | 100% | 100% |
| Sealants (under age 16) | 100% | 100% | 100% | 100% |
|
BASIC SERVICES (type 2) Year 2 benefits start immediately with prior coverage
|
||||
| waaei | Plan Pays | Plan Pays | Plan Pays | Plan Pays |
| Fillings |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 50% After Year 1: 80% |
Starting Day 1: 50% After Year 1: 80% |
| Simple Extractions |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 50% After Year 1: 80% |
Starting Day 1: 50% After Year 1: 80% |
|
MAJOR SERVICES (type 3) |
||||
| Plan Pays | Plan Pays | Plan Pays | Plan Pays | |
| Oral Surgery |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
| X-Rays (panoramic) |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
| Endodontics |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
| Periodontics |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% A fter Year 1: 50% |
| Crowns |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
| Bridges |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
| Dentures |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
Starting Day 1: 15% After Year 1: 50% |
| ORTHODONTICS | ||||
| Plan Pays | Plan Pays | Plan Pays | Plan Pays | |
| Lifetime Maximum $1,000/child (under age 19) | Not Covered | Not Covered | Starting Day 1: 15% After Year 1: 50% | Starting Day 1: 15% After Year 1: 50% |
| Primestar Choice VSP Plan | Primestar EyeMed Access Plan | |||
|---|---|---|---|---|
| Apply | Apply | |||
| Network |  |
|
||
| In-Network Copay | Out-of-Network Allowance | In-Network Copay | Out-of-Network Allowance | |
| Eye Exam | $10 | $45 | $25 | $50 |
| Contact Lens Exam & Fitting | Up to $60 | $105 | $15 | $105 |
| Frames | $0 with $150 allowance | $70 | $0 with $130 allowance | $70 |
| Contacts (in Lieu of frames) | $0 with $150 allowance | $105 | $0 with $130 allowance | $105 |
| Single/Bifocal/Trifocal Lenses | $20 | $30/$50/$65 | $25 | $50/$75/$100 |
| Lenticular Lenses | $20 | $100 | $25 | $0* |
| Monthly Cost | $16.34 | $10.67 | ||
| Standard Lens Enhancements | ||||
| In-Network Copay | Out-of-Network Allowance | In-Network Copay | Out-of-Network Allowance | |
| UV Protection Coating | $16 | Not Available | $15 | Not Available |
| Glass Tints | $34 | Not Available | $15 | Not Available |
| Factory Applied Standard Scratch Resistance Coating | $17 | Not Available | $15 | Not Available |
| Polycarbonate Lenses | $31 | Not Available | $40 | Not Available |
| Anti-Reflective Coating | $41 | Not Available | $45 | Not Available |
| Standard Progressive | $50 for Multifocal | $50 | $65 | $75 |
| Other Add-Ons | Available at a discount | Not Available | Available at a discount | Not Available |
Why do I need dental and vision insurance coverage?
If you are in the market for dental and vision insurance and find yourself asking, “Why do I need it?” consider the advantages to your overall health. Our oral and ocular health can be key indicators in detecting early stages of many health risks and diseases along with preventing many other health issues.
Ameritas understands that your needs are unique
We’re committed to finding you the dental and vision plans that meets your needs. Our PrimeStar dental and vision insurance plans offer affordable coverage with instant free online quotes, coverage for individuals 18+ (including seniors), no online enrollment fees and the Ameritas dental network.
| PrimeStar dental insurance plans Include: | PrimeStar vision insurance plans Include: |
|---|---|
|
|
Network Information
Network for greatest savings.
- Over 400,000 access points nationwide
- Over 100,000 unique providers nationwide
- Ameritas 65+ insureds have a 41% network utilization with a 31% discount average
- 94% provider persistency
Savings Example
| Procedure | 80th U&C | Network Rate† | Day One Cost | Day One Savings | Year Two Cost | Year Two Savings |
|---|---|---|---|---|---|---|
|
Cleaning |
$108 | $61 | $0 | 100% | $0 | 100% |
| Filling | $139 | $80 | $52 | 62% | $16 | 88% |
| Crown | $1,117 | $748 | $635 | 43% | $374 | 66% |
| Description of benefits shown based on 78415 zip code. Rates vary by location. Benefits based on Advantage Plus II dental plan. †MAC/MAB charge. | ||||||
Do I have to use an in-network dentist for your plans?
No, with PrimeStar dental insurance plans, you have the freedom to use any dentist you would like. You do not need to select your dentist from a list of network providers to qualify for benefits and coverage. However, if you purchase a network plan, you have the ability to lower your out-of-pocket costs and receive the greatest savings when you utilize a Ameritas Dental Network provider.
What is the frequency limit for teeth cleanings?
With all Ameritas dental plans, you receive two cleanings per year at no cost including x-rays and fluoride treatments.
How can I look for in-network dentists?
The Ameritas Dental Network features:
- Discounted fees, typically 30% below average charges in your community
- Immediate network discounts
- One of the largest nationwide networks with over 428,000 access points and 111,500 unique providers
Additionally, when you utilize a Ameritas Dental Network provider, your out-of-pocket costs may be lower because they have agreed to a negotiated fee for covered services.
How long will the enrollment process take?
Enrollment materials will be emailed or mailed to you within 7-10 business days of a completed application, depending on the selection made during the enrollment process.
What are waiting periods?
This is the time a member must wait from the effective date of coverage for certain procedures to be covered. These are different for each plan. Ameritas offers dental and vision plans with no waiting periods. If you have prior dental coverage within the past 60 days, you may receive credit for your prior coverage.
This means that any waiting periods will be waived for Basic, and Major dental services right away.
When you enroll in an Ameritas individual dental plan, simply provide the carrier’s name, policy number and termination date for your current or previous dental plan. This information will help verify that you meet the requirements for credit for prior coverage (CPC).
I haven’t heard back on the status of my application, how do I check the status?
Please call our Administrative Team at (312) 726-6565 or email us at [email protected].
What dental plan should I choose?
Some dental plans may work better for you or your family. Here are a few questions to ask yourself, while reviewing plans:
- Are there waiting periods for certain procedures?
- Does this plan require you to use a network of dentists or can you use any dentist you choose? If the plan has a network, what dentists participate in the plan’s network?
- If I used a dentist outside the plan’s network, what will the benefits be?
- Does the plan charge an enrollment or application fee?
- Is there a deductible on the plan?
- What is the annual maximum?
How do I order an ID card or order a replacement ID card?
How do I submit a dental claim?
Dental claims are submitted by dental providers electronically. Claims can be submitted to Ameritas at: Group Claims PO Box 82528 Lincoln, NE 68501 or by email via [email protected].
What happens when I reach the end of my coverage period?
At the end of your coverage term, you will receive a renewal letter. At that time you will have the option to continue your coverage or terminate your policy. Call us at (312) 726-6565 with any questions.
Apply Online Now
- Savings for using the Ameritas network
- Still have the freedom to use any dentist you would like
- Instant free online quotes
- No online enrollment fees
- Optional vision add-on