Ameritas PPO Dental
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Ameritas Individual Dental Plans - General Plan Descriptions

Ameritas is one of the nation's leading providers of dental care services with 3.5 insured members nationwide. Dental coverage is available for individuals and families, with 6 plan options. The Traditional and Progressive Plans give you the freedom to choose any dentist but you will receive the maximum plan benefits for using an Amertias dental provider. If you visit a non-network dental provider, the plans reimburse at the 90th percentile of usual & customary prices. This means that 9 out of 10 dentists in a given zip code do not charge more than Ameritas' reimubursement amount, a very rare and generous benefit.

Traditional Plan

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The Traditional Plan provides comprehensive dental coverage and gives you the freedom to use any dentist you wish, and pays 100% of the amount allowed for preventive care after a 3-month elimination period. The plan features:

Progressive Plan

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If your dentist is not part of the Ameritas PPO network and you are unwilling to switch dentists, you should consider the Progressive Plan. This plan utilizes the 90th percentile of Usual & Customary for out-of-network dentists, which means that 9 out of 10 dentists in a specific area charge at or below the plan allowance for a procedure. There is no waiting period for preventive care, but there are waiting periods for basic and major services. This is to prevent someone for getting the plan, having a root canal, and immediately cancelling the plan.

As long a you visit a dentist (PPO or non-PPO) and have a covered procedure completed each year, the coinsurance levels for basic and major coverage will increase or "progress" 10% the next year. If you do not visit a dentist or receive a covered procedure in a calendar year, you will revert to the coinsurance lowest level. The plan features:

Access Plan

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This plan provides the opportunity to reduce your out-of-pocket costs by using an in-network provider, yet you are always free to select a dentist not associated with the Ameritas PPO. This plan also covers 100% of a yearly eye exam and access to additional discounts at a provider in the Vision Service Plan (VSP) network. The Access Plan also features: