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Ameritas Dental Insurance Review for 2024
Navigating the world of dental insurance can be as tricky as a root canal procedure. You’re looking for coverage that won’t leave your wallet in pain, and that’s where Ameritas Dental Insurance comes into the spotlight. In this comprehensive review, we’ll sink our teeth into Ameritas dental insurance plans, gauge the ease of how to cancel Ameritas dental insurance, and floss through the Ameritas dental insurance reviews to give you a clear picture of what to expect in 2024.
| Pros | Cons |
|---|---|
| Variety of Plans | Limited Coverage |
| No Waiting Period | Out-of-Network Costs |
| Broad Network | Premium Costs |
| Preventive Services | Limited Cosmetic Procedures |
| Loyalty Perks |
Understanding Ameritas Dental Insurance Plans
Ameritas is known for offering a variety of dental plans that cater to different needs. Whether you’re an individual looking for basic preventive care or a family in need of major dental work, Ameritas seems to have a plan that could fit your criteria. The plans are designed with the consumer in mind, offering features like no waiting periods for preventive services and a broad network of dentists.
How do these plans stand out? Well, it’s the flexibility and the coverage options. You can choose from a buffet of services, ranging from simple cleanings to more complex procedures like implants and orthodontics.
Ameritas Dental Insurance Plans
Ameritas offers a variety of dental insurance plans to cater to the diverse needs of its customers. Here’s a brief overview of some of their popular plans:
- Preventive Dental Plan: This plan focuses on preventive care, covering services like regular cleanings, exams, and X-rays. It’s an excellent choice for individuals who maintain good oral health and need coverage for routine check-ups.
- Basic Dental Plan: In addition to preventive care, this plan provides coverage for basic restorative services like fillings and simple extractions. It’s suitable for individuals who might need minor dental work.
- Major Dental Plan: This plan covers major restorative services like crowns, bridges, and dentures, in addition to preventive and basic services. It’s ideal for individuals or families who might need extensive dental work.
- Orthodontic Dental Plan: It is designed to cover orthodontic services like braces, this plan is a great option for families with children or adults considering orthodontic treatment.
The PrimeStar Series
The PrimeStar series is a special line of dental insurance plans offered by Ameritas. These plans are designed to provide comprehensive dental coverage with a variety of options to cater to different needs.
- PrimeStar Lite: This plan offers basic coverage with a focus on preventive care such as exams and cleanings. It’s a great option for those who maintain good oral health and primarily need coverage for routine check-ups.
- PrimeStar Boost: This plan provides more extensive coverage, including benefits for teeth whitening and child orthodontia. It’s ideal for families who want robust coverage.
- PrimeStar Complete: This is the most comprehensive plan offered under the PrimeStar series. In addition to dental coverage, it provides benefits for hearing exams and hearing aids.
These PrimeStar plans fit into the broader range of Ameritas Dental Insurance plans by offering more specific options for individuals and families. They are designed to provide a balance of affordability and coverage, making dental care more accessible for a wider range of people.
Cost of Ameritas Dental Insurance Plans
To give you an idea of how much each type of plan costs, here is a table that shows the monthly premiums for some sample plans in Florida (prices may vary by state):
Cost for Individual
| Plan Name | Monthly Premium (Individual) | Monthly Premium (Family of 3) | Annual Maximum Benefit | Deductible | Preventive (Type 1) | Basic (Type 2) | Major (Type 3) | Additional Benefits |
|---|---|---|---|---|---|---|---|---|
| PrimeStar Lite | $19.93 | $63.78 | Up to $1,500 | $50* | 100% | Up to 80% | Up to 20% | – |
| PrimeStar Boost | $36.97 | $124.71 | Up to $2,000 | $50* | 100% | Up to 80% | Up to 50% | Child Orthodontia |
| PrimeStar Complete | $42.40 | $134.31 | Up to $3,000 | $50* | 100% | Up to 90% | Up to 50% | Hearing Benefit |
Source: https://myplan.ameritas.com/
The asterisks (*) indicate that the deductible is per benefit year. The coverage for Basic and Major procedures increases after the first year on the plan. All plans offer additional savings with an Ameritas Classic (PPO) network provider, increasing annual maximum benefit, no waiting periods, and no enrollment fees. The policy provides dental and/or vision benefits only.
Pros and Cons of Ameritas Dental Insurance
Like any insurance provider, Ameritas has its strengths and weaknesses. Let’s chew on the pros and cons.
Pros
- Variety of Plans: Ameritas offers a wide range of dental plans, catering to different needs and budgets. This flexibility allows you to choose a plan that best fits your dental health needs.
- No Waiting Period: For preventive services, there’s no waiting period. You can start using your insurance benefits as soon as your policy is active.
- Broad Network: Ameritas boasts a broad network of dentists, increasing the chances that your preferred dentist is within their network.
- Preventive Services: Ameritas Dental Insurance emphasizes preventive care, covering services like regular cleanings and check-ups which can help avoid bigger dental issues down the line.
- Loyalty Perks: Ameritas rewards long-term customers with perks like increasing annual maximums, making it beneficial for those who stick with their plans.
Cons
- Limited Coverage: Some users have reported that certain procedures are not covered under their plans. It’s crucial to thoroughly understand what your plan covers before signing up.
- Out-of-Network Costs: If your dentist is not in Ameritas’ network, you may face higher out-of-pocket costs.
- Premium Costs: While Ameritas offers a range of plans, some users might find the premiums for certain plans to be on the higher side compared to other providers.
- Limited Cosmetic Procedures: Cosmetic procedures are generally not covered under Ameritas dental insurance plans. If you’re looking for coverage for procedures like teeth whitening or veneers, you might need to look elsewhere.
Remember, choosing a dental insurance plan is a significant decision that requires careful consideration of your specific needs and circumstances.
How to Cancel Ameritas Dental Insurance
Cancelling your Ameritas dental insurance is straightforward. You can do it by contacting their customer service via phone or email. It’s important to read through your policy to understand any potential penalties or conditions related to cancellation.
How to Contact Ameritas
If you need to cancel your Ameritas dental insurance, here are the contact details you can use:
- Phone: You can reach Ameritas customer service by calling 800-776-9446.
- Website: You can visit their website for additional assistance and information
- Email: For inquiries or assistance, you can email Ameritas at [email protected].
- Mailing Address: Ameritas Life Insurance Corp. P.O. Box 82520 Lincoln, NE 68501-2520 USA.
- Physical Address (for correspondence): Ameritas Life Insurance Corp. 5900 O Street Lincoln, NE 68510 USA
Ameritas Dental Insurance offers a variety of plans that can cater to different dental needs. However, like any insurance, it’s essential to thoroughly understand the coverage, costs, and terms before signing up.
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