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Dental Insurance

Dental Insurance can provide coverage for preventive, basic, and major dental expenses with the dentist of your choice. Also, some plans include additional benefits like vision, hearing, orthodontia, teeth whitening, Dental Rewards®, and more.

About Dental Insurance

Protect Your Smile

Freedom of Choice: You’re free to visit any licensed dentist. These plans do have a preferred network (PPO) of dentists available nationwide; your out-of-pocket costs will decrease significantly if you visit a PPO dentist.

Large Nationwide Network (PPO): When you visit a participating Ameritas Dental PPO provider, you save money. Ameritas PPO providers have agreed to charge reduced fees to member clients. The Ameritas Dental network is comprised of more than 390,000 providers nationwide. You can use a simple online directory to easily find a provider in your area. PPO dentists must meet Ameritas credentialing and quality assurance evaluation requirements.

Claims Convenience: You will receive an ID card to present to your dentist at the time of service. The dentist can submit bills to Ameritas, which will pay the dentist directly. You’ll receive an Explanation of Benefits (EOB) statement, which will explain how benefits were covered. For your information, claims are available to view online at any time.

Maximum Covered Expense (MCE): MCE helps you know exactly what the plan pays for each covered procedure, and pay the difference between that amount and the dentist’s fee. You will receive additional out-of-pocket savings when using an Ameritas PPO provider.

Easy Online Billing: You may pay your bill online or have your premiums automatically deducted from your bank account. You can use your Member Login to set up and receive e-mail alerts to be notified of upcoming withdrawals.

Personal Service: You will have access to professional U.S. customer service support Monday through Friday from 7 a.m. – 7 p.m. CST. We want you to understand your coverage and be satisfied with the results.

What Is Covered

Dental Insurance can provide coverage for preventive, basic, and major dental expenses with the dentist of your choice. Also, some plans include additional benefits like vision, hearing, orthodontia, teeth whitening, Dental Rewards®, and more.

 

Type 1

Type 1 procedures are referred to as preventive and diagnostic. They’re covered at the highest percentage (usually 100%). This makes it easy and affordable for patients to get care that helps prevent most dental diseases. 

Type 2

Class II includes basic restorative procedures like fillings, extractions, and root canals.

Benefits

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Preventive Dental Benefits: Routine exams, bitewings, cleanings, fluoride treatments, sealants, and more. Basic Dental Benefits: Full mouth X-rays, amalgam restoration (silver fillings), simple extractions and more.

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Major Dental Benefits (on Silver, Gold, Platinum Plans): Onlays, maxillary partial denture – resin base, denture repair, surgical removal of teeth, deep sedation/general anesthesia, endodontics – root canal, periodontal scaling and root planning, crown and crown repairs, pontics – porcelain fused to noble metal, and more.

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Orthodontia Benefits (on Silver, Gold, Platinum Plans): A benefit available to dependent children of the plan.