Ameritas began as a Nebraska life insurance company in 1887. It has grown as a financial institution to offer other kinds of insurance products and financial services. These include vision insurance, dental insurance, hearing coverage, life insurance, annuities, investing, retirement assistance, and disability income insurance. You can also connect with a financial professional through Ameritas.
Ameritas is also a mutual company, which means that it is owned by its policyholders, not stockholders. Being a mutual company allows Ameritas to focus on making decisions that benefit its policyholders.
Ameritas offers nice plan selection to individuals and employers. It has received high financial strength ratings. A high rating shows a company's financial stability and ability to pay claims. Ameritas is a good dental insurance company to work with.
Customer Review: Scott from Harrisburg, North Carolina
"We feel like we have had great coverage for our family since we started using Ameritas several years ago. I have a lot of anxiety involving dental procedures and I like that they cover nitrous to help ease my anxiousness. They cover most things 100% or at least a fair portion."
Ameritas's dental coverage options vary based on your location. If you input your zip code and answer a few brief questions on the kind of insurance coverage you'd like, a list of available plans with coverage and cost details appears. You can compare plan coverage and costs to help you make a decision.
An insurance policy's cost-sharing structure will determine how much your out-of-pocket expenses are for different kinds of dental care. As you review the cost-sharing rules for different kinds of dental care, keep the definitions in mind.
Preventive services usually include cleanings and dental check-ups. Under most plans, preventive care is covered fully.
Basic services include dental procedures like fillings. Major services are generally things like dental implants, root canals, and crowns. Some plans may require a waiting period before you can get certain dental services.
Understanding the monthly premiums, out-of-pocket expenses, and covered services will help you by the insurance coverage you need.
Whichever plan you choose, keep in mind that rates tend to be lower if you visit a dentist in Ameritas's network. You can find an in-network provider online or via telephone.
Ameritas has many options for employers interested in providing group dental insurance as part of their employees' benefits package:
Companies can also choose to include orthodontic and cosmetic options with the plans they offer employees.
Ameritas has several flexible options for employers providing group dental plans:
Employers interested in providing dental and vision benefits to employees can also offer Ameritas's Fusion plan. This plan allows members to have more control over their benefit dollars to put them where they need them most.
For smaller groups, Ameritas also offers Edge Dental and Vision plans. These plans are designed to be simple.
With many options for providing dental benefits, employers can find an Ameritas group dental plan to meet their needs.
Ameritas's dental insurance plans are not available nationwide. The plans available in specific states also varies. Check Ameritas's website to see what dental plans are available in your area.
Ameritas is a great choice when looking at dental insurance companies. While not available in every state, Ameritas does offer dental plans in most states. The company also has many group dental plan options available for employers. Whether you are an employer or looking for individual coverage, you’ll be able to find a plan to meet your dental needs and budget from Ameritas.
As you review Ameritas dental plans, be sure to understand what coverage is offered, the monthly premiums, out-of-pocket costs, and annual maximum benefit. If you already have a dentist that you like, you may want to check Ameritas's network to see if your current dentist is an in-network provider. Analyzing these factors will help you find dental insurance that meets your needs.
Like many insurance companies, Ameritas carries multiple types of insurance products. For those interested in some of Ameritas's other products, like vision insurance, life insurance, or disability insurance, Ameritas allows you to work with one provider for all of these. You can also connect with a financial professional or use Ameritas's financial products with investing or annuities to prepare for retirement.
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