If you’re looking for dental coverage, finding a plan that fits your needs and budget is essential. Ameritas offers a wide range of dental insurance options for individuals, families, and employers, with plans designed to promote both preventive care and financial protection. Whether you’re seeking coverage for routine checkups or more extensive treatment, here’s an overview of the dental insurance choices Ameritas provides.
Individual and Family Dental Plans
For those purchasing coverage outside of an employer, Ameritas provides stand-alone dental insurance for individuals and families. These plans are typically built on a Preferred Provider Organization (PPO) framework, which means you can see any licensed dentist but enjoy additional savings when you stay in-network.
Most individual and family plans cover preventive care, including exams, cleanings, and X-rays, often with no waiting periods. Depending on the plan selected, coverage may also extend to fillings, crowns, root canals, dentures, or implants. The goal of these plans is to make routine dental care affordable while helping protect members from the higher expenses associated with unexpected dental needs.
Employer-Sponsored Dental Plans
Ameritas also partners with businesses to provide group dental insurance for employees. These plans can be customized based on the needs of the workforce and often offer more comprehensive benefits. Employers can choose from PPO structures for flexibility or other designs that emphasize affordability and access.
Group dental coverage often includes both preventive and restorative services, helping employees maintain oral health while reducing out-of-pocket expenses. These plans are popular with businesses because they not only support employee wellness but also serve as a valuable benefit to attract and retain staff.
Medicare-Eligible Dental Plans
For those who qualify for Medicare, Ameritas may offer dental coverage through Medicare Advantage arrangements or other supplemental products. These plans frequently include preventive services like cleanings and exams, as well as allowances for restorative or prosthetic care such as dentures. For seniors, these options provide reliable dental benefits in addition to their broader healthcare coverage.
Dental Discount Programs
Alongside traditional insurance, Ameritas also offers dental discount programs. These are not insurance policies but rather membership-based savings plans. By paying an annual fee, members gain access to discounted rates on a wide range of dental services from participating providers. These programs can be a useful alternative for those who want to manage dental costs without committing to monthly insurance premiums.
What Does This Mean for You?
Whether you want a simple plan to cover preventive care or more robust coverage for restorative treatments, Ameritas provides flexible dental insurance solutions. Individuals, families, and employers can all find plans tailored to their needs and budgets. Before making a choice, review the details of each plan, including coverage levels, network size, and potential out-of-pocket costs. If you’re uncertain where to begin, consider consulting a licensed insurance agent or visiting Ameritas online to explore your options.