Review of Ameritas Dental Insurance Plans
Rating on Forbes Advisor: 4.0
Contact Number: (888) 336-7601
Website: myplan.ameritas.com
About:
Ameritas Life has been around since 1887, with over 130 years of experience in the insurance business. They offer dental and vision insurance at affordable prices all across the country. Ameritas is known for excellent customer service and has solid ratings for financial stability—an “A+” from Standard & Poor’s and an “A” from AM Best.
They also have one of the largest dental networks in the U.S., with over 592,000 access points and more than 100,000 unique providers.
Key Features:
- Extensive Network: Ameritas has one of the largest dental networks in the U.S., giving you plenty of providers.
- No Enrollment Fees: You pay your monthly premiums and dental care costs, making it easy to understand.
- Quick Coverage: Many plans start covering preventive care, like cleanings and exams, the next day.
- Braces for Kids: Some plans include orthodontic coverage, making it an excellent option for families.
- Top-Notch Customer Service: Ameritas has a 97% success rate in solving issues on the first call and processes claims quickly—within about nine days.
Popular Ameritas Dental Plans
Hollywood Smile Premier 2500
- Plan Type: PPO
- Plan Maximum: $2,500
- Key Features:
- Discounted fees, up to 30% lower than average charges.
- 100% coverage for preventive care like exams and cleanings from in-network providers.
- Primary services like crowns and root canals were covered progressively, starting at 20% in year one and reaching 50% by year three.
Hollywood Smile Premier Plus 1500
- Plan Type: PPO
- Plan Maximum: $1,500
- Key Features:
- Immediate network discounts and access to one of the largest networks in the country.
- Comprehensive coverage for preventive and primary dental services.
- Next-day coverage for preventive care with no enrollment fees.
Hollywood Smile Premier Plus 2000
- Plan Type: PPO
- Plan Maximum: $2,000
- Key Features:
- Over 400,000 dental access points and 100,000 unique providers.
- Progressive coverage for primary services, with increased benefits over time.
- 100% coverage for preventive services from in-network providers.
Dallas Smile Plan
- Plan Type: PPO
- Plan Maximum: $3,000
- Key Features:
- Increasing maximum benefit over time, with full coverage of annual cleanings from year one.
- Discounts on primary dental services like fillings and crowns, with progressive cost coverage.
Ameritas Customer Service Highlights
- Efficient Service:
- 87% of calls are answered within 30 seconds.
- On average, 97% of dental claims are processed in 9 days.
- 99.16% claim dollar accuracy.
- Award-Winning Support: Since 2006, Ameritas’ contact center has been recognized with the Benchmark Portal’s Center of Excellence award.
Additional Facts About Ameritas Dental Insurance
- Established: 1887 with over 130 years of experience in insurance.
- Coverage: Available in all 50 states.
- Medicare Compatibility: Ameritas offers dental plans that can easily complement Original Medicare.
Additional Considerations:
- Plan Options: Ameritas offers seven dental and two vision plans, giving individuals and families many choices.
- Medicare-Compatible: You can add Ameritas plans to Original Medicare, which is helpful for seniors.
- Out-of-Network Dentists: Ameritas PPO and indemnity plans cover out-of-network care, but you might have to pay more.
Ameritas dental plans are a great pick for affordable coverage, but there are a few things to remember. You might pay more for big treatments or if you go to a dentist who isn’t in the Ameritas network.
Some plans also have a short waiting time before they cover major procedures. Even with these points to consider, Ameritas is a strong option because it has a big network of dentists and flexible plans, making it a solid choice for dental care.
Ameritas Dental Insurance is a good option if you want affordable, full-coverage dental plans from a reliable company. With a large network of dentists, excellent customer service, and flexible plans, Ameritas provides quick coverage and no enrollment fees.