Ameritas dental and vision care benefits are a great investment in your health and well-being.
Choose from a wide selection of affordable dental and vision plans.
Ameritas helps customers improve their lives by offering innovative products.
We maintain one of the nation’s largest dental networks and are always recruiting new dentists and specialists.
In the article below, we provide you:
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. Those two lines of business combined resulted in $1 billion in revenue in 2020 according to Ameritas Mutual Holding Company Annual Report. 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 4.9 million customers in 2020.
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 557,000 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 BenchmarkPortal's Center of Excellence award since 2006, an achievement held only by a handful of companies. BenchmarkPortal 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.
DentalInsurance.com carries seven dental plan options from Ameritas and two of their vision plans.
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:
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.
Discounted fees, typically 30% below average charges in your community
Plan Type: PPO
Plan Maximum: $2000,
$1000-Major Services
Immediate network discounts
Plan Type: PPO
Plan Maximum: $1500,
$750-Major Services
One of the largest nationwide networks with over 400,000 access points and 100,000 unique providers
Plan Type: PPO
Plan Maximum: $2000,
$1000-Major Services
"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 with his service."
"I had a great experience with Michael on the phone helping me pick out the correct insurance plan for me & my family without any pressure. The insurance is just starting now, but so far, so good. Michael is very knowledgeable and worked patiently with me through the entire process. I would wholly recommend dentalinsurance.com to others."
"The gentleman that helped men was excellent. He answered all the questions I asked, explained all my options. I'm a senior and needed dental insurance. He was friendly and warm and he made this transaction go very smooth."
Some dental plans delay the coverage of expensive dental services. For example, a plan may expect a consumer to be enrolled for six months before paying for a root canal or a year before paying for a crown. These delays are called “waiting periods.” For many consumers, waiting six or twelve months for a dental procedure to be covered is not practical. For example, if a tooth is in immediate need of a crown, putting off treatment due to a waiting period may risk the tooth breaking. Even if the tooth does not break, there is still the prospect of living with unnecessary pain. People facing these kind of dilemmas should consider shopping along the lines of "dental insurance no waiting period" or "dental insurance immediate coverage." Remember, though, if you change plans you want to make certain that your care does not proceed the effective date of the dental plan.
