Ameritas Dental Plans
Ameritas is one of the larger standalone dental and vision carriers, and its individual plans are available to California residents. Dental cost sharing is not standardized the way Covered California standardizes medical plans, so what actually matters is the provider network, the annual benefit maximum and how soon benefits become available.
Who these plans tend to suit
- Retirees on Medicare, which does not cover routine dental or vision care
- People whose employer coverage has ended, or never included dental
- Anyone buying dental and vision separately from a Covered California medical plan
What to check before you buy
- Whether your current dentist is in the Ameritas network
- The annual benefit maximum, and when it resets
- Waiting periods on major work such as crowns, bridges and dentures
- Whether preventive care is covered from day one
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 55379 zip code. Rates vary by location. Benefits based on Advantage Plus II dental plan. †MAC/MAB charge. | ||||||
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.
How to choose between the Ameritas plans
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 also offer: | PrimeStar vision insurance plans also offer: |
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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 PrimeStar, you receive two cleanings per year.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. We offer plans with no waiting periods.
I haven’t heard back on the status of my application, how do I check the status?
Please call our Administrative Team at 855-847-7020 or email us at help@ihealthagents.com.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?
Contact our Administrative Team at 800.659.2223 or email us at adminserv@employeebenefitservice.com.
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 group@ameritas.com.
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 (3120 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
- Coverage for individuals 18+ (including seniors)
- No online enrollment fees
- Optional vision add-on
Ameritas Dental
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Savings Example
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