When it comes to insurance, there are countless options out there. With so many policies, benefits, and companies to choose from, it can be overwhelming to navigate the landscape and select the right plan for your needs. However, Ameritas Insurance is a reputable and reliable option that provides comprehensive coverage across various areas. Whether you need dental, vision, disability, or life insurance, Ameritas Insurance has you covered. In this article, we’ll take a closer look at what sets Ameritas Insurance apart and why it may be the right choice for you.
History of Ameritas Insurance
Ameritas Insurance is a well-established insurance company with a rich history that dates back to 1887. The company was founded in Lincoln, Nebraska, and focused on providing life insurance policies to farmers and ranchers in the state. Over time, Ameritas Insurance expanded its offerings to include a variety of policies and benefits, such as dental and vision insurance. Today, Ameritas Insurance is a subsidiary of Ameritas Mutual Holding Company, a Fortune 1000 company that provides financial services such as retirement plans and asset management.
One of the key factors that set Ameritas Insurance apart is its commitment to its customers. The company aims to provide flexible and affordable insurance options that meet the unique needs of each individual. Whether you’re looking for basic coverage or more comprehensive benefits, Ameritas Insurance has a policy that can fit your budget and preferences. Moreover, the company is dedicated to providing excellent customer service and support, making it easy for customers to manage their policies and claims.
Types of Insurance Offered by Ameritas
Ameritas Insurance offers a range of coverage options across different areas. Here’s a breakdown of the types of insurance offered:
Type of Insurance |
Description |
|---|---|
Life Insurance |
Ameritas provides term, whole, and universal life insurance policies that offer peace of mind and financial security for your loved ones. |
Dental Insurance |
Ameritas offers dental plans that cover preventive, restorative, and major dental services, as well as orthodontic treatments. |
Vision Insurance |
Ameritas provides vision plans that cover eye exams, glasses, and contact lenses, making it easier and more affordable to manage your eye health. |
Disability Insurance |
Ameritas offers disability insurance policies that protect your income in case of an accident or illness that prevents you from working. |
Ameritas Dental Insurance
Dental insurance is one of the most popular types of insurance offered by Ameritas. With a focus on preventive care, Ameritas dental plans aim to help you maintain good oral hygiene and prevent costly dental procedures down the line. Here are some of the features and benefits of Ameritas dental insurance:
Network of Providers
Ameritas dental plans come with a broad network of providers that includes over 400,000 access points across the country. Whether you need a routine cleaning, a filling, or a more complex procedure, you can easily find a provider within your area.
No Waiting Periods
Unlike some other dental insurance plans, Ameritas dental plans have no waiting periods for preventive or basic services. This means you can start using your benefits right away and get the care you need when you need it.
Orthodontic Coverage
If you or your dependents need braces or other orthodontic treatments, Ameritas dental plans offer coverage for those services. Depending on your plan, you may be able to get up to 50% coverage for orthodontic treatments, which can be a significant cost savings.
Cost Transparency
Ameritas dental plans come with a clear and transparent pricing structure that makes it easy to understand your out-of-pocket costs. With no deductibles to worry about and predictable copayments for each service, you can plan your dental expenses and avoid surprises.
Ameritas Vision Insurance
Vision insurance is another popular type of insurance offered by Ameritas. With comprehensive coverage for eye exams, glasses, and contact lenses, Ameritas vision plans can help you maintain good eye health and improve your vision. Here are some of the features and benefits of Ameritas vision insurance:
Choice of Providers
Ameritas vision plans come with a broad network of providers that includes national chains and local optometrists. This gives you the freedom to choose a provider that suits your preferences and needs.
Coverage for Frames and Lenses
Ameritas vision plans offer coverage for frames and lenses, including single vision, bifocal, and progressive lenses. Depending on your plan, you may be able to get coverage for designer frames, which can be a stylish and affordable option.
Contact Lens Benefits
If you wear contact lenses, Ameritas vision plans offer additional benefits such as discounts on contacts and coverage for the fitting and evaluation of contact lenses. This can be a significant cost savings, especially if you wear contacts regularly.
No Waiting Periods
Like Ameritas dental plans, Ameritas vision plans have no waiting periods for preventive or basic services. This means you can start using your benefits right away and get the care you need when you need it.
Frequently Asked Questions
What makes Ameritas Insurance different from other insurance companies?
Ameritas Insurance stands out for its commitment to its customers and its comprehensive coverage options. The company offers a range of policies and benefits that can fit different budgets and preferences, and it is dedicated to providing excellent customer service and support.
What types of insurance are offered by Ameritas Insurance?
Ameritas Insurance offers life insurance, dental insurance, vision insurance, and disability insurance. Each type of insurance has different coverage options and benefits that can meet your individual needs.
What are the benefits of Ameritas Dental Insurance?
Ameritas dental insurance offers a broad network of providers, no waiting periods for preventive or basic services, orthodontic coverage, and cost transparency. These benefits can help you maintain good oral health and avoid costly dental procedures down the line.
What are the benefits of Ameritas Vision Insurance?
Ameritas vision insurance offers a broad network of providers, coverage for frames and lenses, contact lens benefits, and no waiting periods for preventive or basic services. These benefits can help you maintain good eye health and improve your vision.
What is the history of Ameritas Insurance?
Ameritas Insurance was founded in 1887 in Lincoln, Nebraska, and focused on providing life insurance policies to farmers and ranchers in the state. Over time, the company expanded its offerings to include a variety of policies and benefits, and it is now a subsidiary of Ameritas Mutual Holding Company.
Conclusion
If you’re looking for reliable and comprehensive insurance coverage, Ameritas Insurance may be the right choice for you. With a long history of providing quality policies and benefits, Ameritas Insurance is committed to meeting the unique needs of its customers and providing excellent customer service and support. Whether you need dental, vision, life, or disability insurance, Ameritas Insurance has you covered.