What Are the Types of Dental Insurance Ameritas Offers?
Ameritas dental insurance offers a variety of different types of dental insurance plans, so you can pick the right option that meets your oral health and budget needs. Each type of plan supports a different goal of yours, like seeing a specific dentist, having low out-of-pocket costs, or coverage of more complex services. There is not one plan that is the best for everyone, but there is one plan that is the best for you.
Ameritas dental insurance plans are mainly Preferred Provider Organization plans, or PPO plans. You may recognize this abbreviation from medical insurance plans- it has the same principles. You will be able to keep appointments with both in-network and out-of-network dentists, but you will typically incur lower costs if you see an Ameritas network dentist. Not all Ameritas PPO plans let you see out-of-network dentists, so be sure to review the details of the PPO plan you choose. Preventive procedures like cleanings, exams, and X-rays are often covered at a high percentage under a PPO plan, so you are able to keep your routine dental visits. Basic services, such as fillings, and major services, such as root canals and crowns, are also covered at varying percentages under most PPO plans. You will receive negotiated savings when using an in-network provider.
Ameritas dental insurance offers dental HMO plans, or DHMO plans. These plans offer you a lower monthly premium, but most procedures are subject to some copay amounts. Similar to a medical insurance plan, a Health Maintenance Organization (HMO), in a DHMO, you must choose a primary dentist within the network. This dentist will provide most of your treatment and refer you to specialists when needed. DHMOs provide more managed care than PPOs, but have more predictable costs and are a great choice for budget-conscious patients.
In addition to DHMO and PPO plans, Ameritas has indemnity or customary fee-for-service plans. These plans offer the most flexibility in terms of providers since you may see any dentist. An indemnity plan is simply a reimbursement plan, where Ameritas pays a percentage of the cost of the treatment, according to the scheduled benefits of your plan. This type of insurance plan is ideal if you want unlimited choice of dentists or specialists, or if you already use a dentist who is not on your plan.
Many Ameritas dental insurance plans include extra benefits for support of healthy habits and overall oral health, such as coverage of dental implants, periodontal scaling, or other specialty types of dental care. Some plans will include even more optional benefits, such as a rewards program that increases your annual maximum dental benefit if you regularly schedule preventive care appointments.
As additional features, Ameritas includes optional riders that can be added to plans. These include coverage for things like orthodontia, cosmetic services, or increased coverage for major services. These elements can help to customize a plan without requiring a change to the entire policy.
If you have more questions about Ameritas Dental Insurance or how it could work as a part of your treatment plan to achieve better dental health, make an appointment with the dentist to see if Ameritas Dental Insurance is the best option for you.