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Dental Insurance: Ameritas

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By Insurance Industry Expert & Author
Updated on

Ameritas’ roots trace back to the 19th century. The company began as 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.

Ameritas 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:

Additional Facts about Ameritas

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.

Our best-selling Ameritas plans

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Hollywood Smile Premier
2500

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

Plan Type: PPO
Plan Maximum: $2000,
$1000-Major Services

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Hollywood Smile Premier
Plus 1500

Immediate network discounts

Plan Type: PPO
Plan Maximum: $1500,
$750-Major Services

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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,
$1000-Major Services

Find out more

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

"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."
Sacramento, CA
"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."
San Clemente, CA
"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."
San Francisco, CA
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