Dental Insurance Ameritas – Everything You Need to Know

Oral health is important for a person’s overall well-being. You can avoid dental problems by maintaining a healthy diet, cleaning your teeth regularly, and visiting a dentist for regular check-ups. But, dental treatment can be costly, and without insurance, it can be difficult to afford. That is where dental insurance comes in. In this article, we will discuss dental insurance Ameritas, its benefits, coverage, and other related information.

What is dental insurance Ameritas?

Ameritas is a trusted dental insurance provider that has been in the industry for over 60 years. They offer comprehensive dental coverage for individuals, families, and groups. Ameritas provides various dental insurance plans that cover preventive care, basic procedures, major procedures, and orthodontics.

How does dental insurance Ameritas work?

When you sign up for dental insurance Ameritas, you pay a monthly premium. In return, Ameritas helps cover the cost of your dental treatment. The amount they cover will depend on the type of plan you choose. Some plans cover only preventive care, while others cover more extensive procedures.

When you visit a dentist, you will present your Ameritas insurance card. The dentist will then bill Ameritas for their portion of the cost. You will be responsible for any remaining balance after Ameritas pays their portion.

What are the benefits of dental insurance Ameritas?

Ameritas dental insurance has several benefits, including:

Benefits of Ameritas dental insurance
Comprehensive coverage for preventive care, basic procedures, major procedures, and orthodontics
PPO and DHMO plans available
No waiting period for preventive care
Lifetime deductible
A large network of dentists to choose from

What does dental insurance Ameritas cover?

Ameritas dental insurance covers a range of services, including:

Services covered by Ameritas dental insurance
Preventive care such as cleanings, exams, and X-rays
Basic procedures such as fillings, extractions, and root canals
Major procedures such as crowns, bridges, and dentures
Orthodontics for children and adults

What are the different dental insurance Ameritas plans?

Ameritas offers different dental insurance plans to meet the needs of individuals and families. Here are some of the plans:

1. PPO plans

PPO plans give you the flexibility to choose your dentist. You can select a dentist from Ameritas’ extensive network or choose an out-of-network provider. PPO plans offer different levels of coverage depending on the procedure.

2. DHMO plans

DHMO plans are more affordable than PPO plans but have a more limited network of providers. You can choose a primary care dentist from Ameritas’ network, and they will refer you to a specialist if needed. DHMO plans typically have lower co-pays and deductibles.

3. Discount plans

Discount plans are not insurance plans but provide discounts on dental services. You pay an annual fee to access the discounts, and the discounts apply to services provided by Ameritas network dentists. Discount plans can be a good option if you don’t need extensive dental work but want to save money on preventive care.

How much does dental insurance Ameritas cost?

The cost of dental insurance Ameritas varies depending on the plan you choose, your location, and your age. Here are some sample rates for Ameritas plans:

Ameritas dental insurance rates	Monthly premium
PPO plan	$47.75
DHMO plan	$16.36
Discount plan	$89 per year

How can you sign up for dental insurance Ameritas?

You can sign up for dental insurance Ameritas online or by contacting an Ameritas representative directly. You will need to provide your personal information, such as your name, address, and date of birth. You will also need to choose the plan that best fits your needs and budget.

FAQ

What is the difference between a PPO and DHMO plan?

PPO plans give you the flexibility to choose your dentist, while DHMO plans have a more limited network of providers. PPO plans are typically more expensive, but you have more options for dental care. DHMO plans are more affordable but have less flexibility in provider selection.

Is orthodontic treatment covered by Ameritas dental insurance?

Yes, Ameritas dental insurance covers orthodontics for children and adults. However, the coverage will depend on the plan you choose.

Do I need to choose a primary care dentist with a PPO plan?

No, with a PPO plan, you can choose any dentist from Ameritas’ network or an out-of-network provider. However, you may pay more for out-of-network services.

How soon can I use my Ameritas dental insurance?

There is no waiting period for preventive care services with Ameritas dental insurance. However, there may be a waiting period for other services. Check with Ameritas or your plan details for more information.

What is a lifetime deductible?

A lifetime deductible is the amount of money you have to pay out of pocket before your insurance coverage begins. With Ameritas dental insurance, once you meet your lifetime deductible, you will not have to pay it again for as long as you have the plan.

Conclusion

Dental insurance Ameritas is a reliable and trusted insurance provider for those seeking comprehensive dental coverage. With various plans to choose from, Ameritas can offer the coverage that suits your needs and budget. By covering preventive care, basic procedures, major procedures, and orthodontics, Ameritas helps to enhance and maintain your oral health.