What is Ameritas Insurance?
Ameritas dental insurance is a policy you can purchase to help cover the cost of your dental care so you can maintain oral health. Ameritas is a well-respected and experienced insurance provider offering plans for help with everything from regular cleanings and check-ups to major procedures. Like all insurance companies, Ameritas offers a variety of different types of dental plans, so understanding the different options will help you choose the plan that is best for you and your priorities.
Overall, Ameritas dental insurance plans provide coverage of preventive care with cleanings, exams, and X-rays. Ameritas dental plans may not completely cover those costs, but they usually cover a high percentage of the total cost. Depending on your specific plan, these services are covered without you needing to contribute to the cost through a copayment or coinsurance charge. With this type of coverage, you will be able to keep regular dental appointments and receive the preventative care that will help you avoid more serious dental issues later.
Most Ameritas dental insurance plans cover basic procedures in addition to covering preventative care. You will share the cost of fillings, simple teeth extractions, and other procedures for common dental issues with the insurance plan. The cost to you depends on your plan type, deductible, and whether your dentist is in the Ameritas network.
Ameritas dental insurance plans even offer coverage of major services, such as crowns and bridges, dentures, and surgical procedures. Usually, a limited number of these services will be covered in any given period, and they will have different cost-sharing than your basic services. Ameritas provides these limits when you are selecting your dental insurance plan, so when you need one of these treatments, you will know what to expect and can budget accordingly.
One of the many benefits of choosing Ameritas as your dental insurance provider is the large number of dentists and specialists who participate with the insurance, so you will get an in-network rate. Your in-network rate means you will have a lower out-of-pocket cost because the provider has agreed to set rates for treatments and procedures. You should still have the option to go to an out-of-network dentist for treatment, but you will have to cover a large percentage of the cost of the treatment compared to an in-network provider.
Ameritas dental insurance plans have online portals where you will be able to access your claims history, estimates for treatment costs, and information about what is covered under your benefit plan. Because these details are available to you at all times, you will be able to understand your plan and maximize it. If you have questions or need any clarification, customer service representatives will be able to assist you with benefits, how to file a claim, or how to compare plans during open enrollment.
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.