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Ameritas Dental Insurance

Affordable Dental Coverage for the whole family!

Why Choose Ameritas Dental and Vision Plans

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Ameritas helps customers improve their lives by offering innovative products.
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Choose from a wide selection of affordable dental and vision plans.
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We maintain one of the nation's largest dental networks and are always recruiting new dentists and specialists.

Why Choose Ameritas Dental and Vision Plans

By Insurance Industry Expert & Author


In this article

In the article below, we provide you:

Our best-selling Ameritas plans

Company logo for Ameritas bestselling

Hollywood Smile Premier 2500

Discounted fees, typically 30% below average charges in your community

Plan Type: PPO

Plan Maximum: $2000

Company logo for Ameritas bestselling

Hollywood Smile Premier Plus 1500

Immediate network discounts

Plan Type: PPO

Plan Maximum: $1500

Company logo for Ameritas bestselling

Hollywood Smile Premier Plus 2000

One of the largest nationwide networks with over 400,000 access points and 100,000 unique providers

Plan Type: PPO

Plan Maximum: $2000

Ameritas Dental - Company Background

Ameritas’ roots trace back to the 19th century. The company began as the The Old Line Bankers Life Insurance Company of Nebraska in 1887. Ameritas has offered dental insurance since 1959 and vision insurance since 1984. Ameritas is organized as a mutual-based organization and enjoys an “A+” rating from Standard & Poors (indicating strong insurer financial strength) and an “A” rating from AM Best (indicating excellent insurer financial strength). Across all lines of business, the company served 5.7 million customers in 2022 according to Ameritas Mutual Holding Company Annual Report.

As one of the top providers of affordable dental and vision services, Ameritas has one of the most extensive dental networks in the United States with more than 592,000 access points. Customers can discuss claims questions with Ameritas' representatives from 7 a.m. to 12 a.m. (midnight) Central Time Monday through Thursday, and from 7 a.m. to 6:30 p.m. Central Time on Fridays. Ameritas' claims contact center associates have earned Benchmark Portal's Center of Excellence award since 2006, an achievement held only by a handful of companies. Benchmark Portal calls attention to efficiency as well as effectiveness in customer communications, and manages the largest contact center metrics database in the world.

Ameritas has been accredited by the URAC. URAC is a nonprofit organization that first incorporated in 1990 under the name "Utilization Review Accreditation Commission" but later changed the organization's name to the acronym URAC as its accreditations expanded to health insurance plans, pharmacies, and other healthcare provider organizations.

Many of Ameritas' dental plans provide next-day coverage within the limits of their covered services. These plans also lack enrollment fees, leaving customers to pay just their normal monthly premiums and out-of-pocket fees for dental care. Preventive care, such as routine periodic exams and teeth cleanings, are covered at 100% when received from in-network providers.

Questions answered and ready to buy?

Dental Plan Options from Ameritas carries seven dental plan options from Ameritas and two of their vision plans.

Dental Plans

Vision Plans

A Reputation Built on Trust

See why our Customers trust us to help them find the right Ameritas plan


4.5 Stars Based on 850 reviews trustpilot

It was a very easy and fast process

"Reuben was very experienced in the products, helping me with the best plan for my family. I'm very pleased...

Sacramento, CA


The gentleman that helped men was excellent

"Answered all the questions I asked, explained all my options. He was friendly and warm and he made this...

San Francisco, CA

Ameritas Customer Service Highlights

As detailed above, Ameritas has a stellar claims contact center. Their customer service motto is to do whatever it takes to help their customers get the care they need. Among the notable statistics associated with their contact center are:

  • 87% of customer phone calls answered within 30 seconds
  • The phone call abandon rate is only 1.01%
  • 97% of customer dental claims are processed in 9 business days on average
  • Dollar accuracy of processed claims 99.16%
  • The contact center has, over the years, answered 1,383,422 calls  and processed 3,733,670 claims
  • 97% of calls have their issue resolved by the first call

We can help you find the plan that best suits YOUR needs.

Additional Facts about Ameritas Dental Insurance

  • Established in 1887, Ameritas Life offers more than 130 years of insurance industry expertise
  • Ameritas has coverage options in all 50 States

Other Issues to Consider

For consumers with Original Medicare, dental coverage can be easily added with an Ameritas plan.

Ameritas has coverage for a broad array of dental services and some of their dental plans include orthodontia benefits for children.

Ameritas vision plans include savings on exams and eyewear when received from in-network providers.

Need some help choosing a dental plan?

Our agents can:

  • Answer your questions
  • Confirm if your dentist is in-network
  • Enroll you over the phone

Comparison of Ameritas Dental Plans

The service charges displayed in the table assume the satisfaction of the annual deductible.

  Dallas Smile Plan Hollywood Mega Smile 1500 Hollywood Mega Smile 2000 Hollywood Smile Premier 1500 Hollywood Smile Premier 2500 Hollywood Smile Premier Plus 1500 Hollywood Smile Premier Plus 2000
Network Type PPO Indemnity Plan Indemnity Plan PPO PPO PPO PPO
Annual Deductible per Enrollee $100 per person per year (a maximum of 3 deductibles per family)
Maximum Benefit
(single enrollee, amounts are per person per year)
Year 1: $1,500
Year 2: $2,500
Year 3: $3,000
($750 for Major Services)
($1,000 for Major Services)
($750 for Major Services)
($1,250 for Major Services)
($750 for Major Services)
($1,000 for Major Services)
Annual Cleaning Pays 100% of maximum allowable charge 80% of costs covered in 1st year, 90% in 2nd, and 100% in the 3rd Pays 100% of maximum allowable charge
Traditional Fillings
(one surface)
50% of costs covered in 1st year, 60% in 2nd, and 80% in the 3rd
White Fillings
(one surface)
50% of costs covered in 1st year, 60% in 2nd, and 80% in the 3rd
(limited to anterior teeth)
Tooth Extraction 20% of costs covered in 1st year, 30% in 2nd, and 50% in the 3rd
Root Canal 20% of costs covered in 1st year, 30% in 2nd, and 50% in the 3rd
Crown 20% of costs covered in 1st year, 30% in 2nd, and 50% in the 3rd

Frequently Asked Questions

How much does Ameritas dental insurance cost?

The monthly premium for Ameritas dental insurance is determined by several factors including the number of people covered by the policy (e.g. a single person or a multi-person family), the region in which the plan is purchased and used, and Ameritas plan selected. A review of Amertias plans and prices from across the country last year found options as low as $16.89 a month for a 32 year-old individual and as high as $65.03 for the same profile.

What does Ameritas dental insurance cover?

All our Ameritas dental plans cover preventive, basic, and major dental care though the specifics of that coverage differ from plan to plan. Common benefits are annual cleaning, teeth extraction, fillings, crowns, and root canals.

How can individuals be certain they have a complete understanding of their Ameritas dental insurance coverage?

A consumer may call the toll-free number at the top of the page and a customer service representative can answer any questions. Additionally, a consumer can review the “See Full Plan Information” button underneath the More Details section for each plan listed on the price quote page. This page also has a link to the plan brochure for the dental insurance product.

What details should individuals pay attention to in their plan documentation to understand coverage, limitations, and restrictions?

Aside from monthly premium and covered dental services, a consumer should carefully review a plan’s maximum benefit and its out-of-pocket costs for covered services. The maximum benefit is the limit on what an insurance company will pay for covered dental care each year. Most plans have a maximum benefit (with the exception of HMO dental plans and dental savings plan).

The second issue, out-of-pocket costs for covered services refers to the consumer’s cost for care in terms of deductibles, copays, or coinsurance charges. Some dental plans have high out-of-pocket costs at the beginning of enrollment and lower them in the second and third year of continuous plan membership.

Are there any limitations to the coverage provided by Ameritas dental insurance?

Insurance policies specify the conditions under which expenses are paid. Reviewing a plan brochure or Full Plan Information page (see early question) can help educate you on the major conditions of a dental plan. Among the conditions a consumer should watch for are waiting periods, which is a delay between the data an insurance policy becomes active for use and the date on which an larger cost dental procedure is covered (not all dental plans have dental insurance waiting periods).

Does It Matter If I Use an Out-of-Network Dentist?

A dentist’s network participation can have significant financial implications depending on the type of dental coverage you have. Some plans, such as HMOs and dental discount programs, have very restrictive networks and don’t offer their benefits through out-of-network dentists. PPO dental plans and indemnity plans, on the contrary, do allow plan members to use out-of-network dental professionals. However, the out-of-network care may come with more expensive copayments or coinsurance fees.

For more information, see our article on out-of-network dentists.

Need help choosing a plan? Call us at 800-296-3800

Our knowledgeable customer service team will assist you with any questions you may have prior to enrolling in a dental plan. They can guide you through the process of choosing coverage that matches your needs as well as your budget.

Dental Insurance