Ameritas

• Ameritas Dental Plans for Individuals
• Customized Dental Plans for Businesses

Amertias Dental Plans for Individuals

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.

Customized Dental Plans for Businesses

Ameritas has many options for employers interested in providing group dental insurance as part of their employees' benefits package:

• Traditional Tailored Indemnity: These plans are pay-per-service. Ameritas will customize these plans to the needs of their client.
• Value Source ®: This plan offers the typical dental benefits at a low cost.
• EssentialDental ®: Like the Value Source ® plan, this plan offers coverage for the most basic and essential dental services.
• Managed Care/Provider Network: Ameritas also customizes plans in this category, but does not provide more specifics on their website.
• $ensible Choice ®: This plan focuses on the amount of money spent on dental care, not the kind of dental care received. Employers can include administrative services as part of the plan.
• Dental Rewards ®: With this plan, qualifying individuals can roll over unused money from their maximum annual benefit to be used in future years.

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:

• Core/Buy-up: Companies can offer one basic dental plan and allow employees to opt into a more expensive plan if they would like to.
• Dual Choice Option: Similar to the Core/Buy-up option, employers can purchase one plan that gives employees two plan choices.
• Voluntary: With these plans, employees must opt-in to pay for and receive dental coverage.
• ASO (Administrative Services Only): Ameritas takes care of the administrative tasks for a self-funded employer-provided dental insurance.
• Small Group Trust: These plans are focused on small business owners who want to provide benefits to their employees.

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.

• Limited Availability

Limited Availability

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.