Ameritas Group dental plans offer previous group dental participants a waving of any waiting periods if they transition to one of their plans within 30-days (Takeover). This is the only individual plan that does have this feature. If you are not transitioning from a group plan no problem, they do have waiting period of 6-months for minor work and 12-months for major dental work. There is no waiting period for preventative care.
Ameritas Group has a variety of options to select from that offer benefits similar to a group dental plan. The plan I would recommend as the closest to a group dental plan is Plan 3. This plan has 2 annual cleanings, and 80% for minor dental work and 50% for major dental work. The annual calendar year maximum is $1500.
| Ameritas Dental Plan 3 Premiums | |
|---|---|
| Coverage | Monthly Premium |
| Individual | $54.20 |
| Individual + Spouse | $109.44 |
| Individual + Children | $115.06 |
| Individual + Spouse + Children | $170.36 |
Rates are for Austin area 09-11-2018 – To view actual rates for your area, run a personalized quote.
Below are highlights of the Plan 3:
| Calendar Year Maximum Benefit | |
| Number of Routine Exams with Cleaning Covered Per Calendar Year | |
| Deductible | All plans require that you pay a $50 annual dental deductible per person before receiving any benefits. |
| Waiting (Elimination) Periods | "Waiting period" means the length of time you must be insured by the plan before you are eligible to receive benefits. All plans have no waiting period for Type 1 - Preventive care. All plans require a six-month waiting period for Type 2 - Basic care. Plans 3 has a 12-month waiting period for Type 3 - Major care. You may be able to skip the waiting periods on Basic and Major care if you were covered by another dental plan within 30 days of the date we receive your application. Details : If you were previously covered under a dental plan, you may be eligible for takeover benefits, which means waiting periods are waived. You will be asked to complete and submit a replacement form, plus provide an evidence of coverage letter from your prior carrier, which must include a termination date of the prior plan that is no more than 30 days prior to the date we receive your application for My Dental Plan coverage. |
| Coinsurance (Plan Pays*) on Covered Type 1 - Preventive | |
| Coinsurance (Plan Pays*) on Covered Type 2 - Basic | |
| Coinsurance (Plan Pays*) on Covered Type 3 - Major | |
| *Coinsurance ("Plan Pays") | Here's how coinsurance, or the plan's payment, is calculated if you visit a network provider: When you visit an Ameritas PPO network provider, payment is sent directly to the dentist and the amount allowed for each covered procedure is based on the Maximum Allowable Charge. Details : The Maximum Allowable Charge is the network provider's contracted fee, derived and discounted from the array of provider charges within a particular ZIP Code area. It is reviewed and updated periodically to reflect increasing provider fees within the ZIP Code area. You pay the difference between the plan payment and the network dentist's contracted fee. Here's how coinsurance, or the plan's payment, is calculated if you visit an out-of-network provider: When you visit a dentist who is not in the Ameritas PPO network, the amount allowed for each covered procedure is based on the Maximum Allowable Benefit. Details : The Maximum Allowable Benefit is derived from a blending and discounting of submitted provider charges within a particular ZIP Code area. It is reviewed and updated periodically to reflect increasing provider fees within the ZIP Code area. You pay the difference between the plan payment and the dentist's actual charge. |
| Eye Care Benefit | A $100 benefit that you may use for exams, frames, lenses or contact lenses from the eye care provider of your choice. In addition, if you enroll in Plan 3, you will receive an eye care ID card that explains how to access eye care discounts. If you choose to use your eye care benefit, it is deducted from the total annual maximum allowed for dental benefits. If you use your plan's entire annual maximum benefit for dental care, no eye care benefit will be available that year. |
To run a personalized quote and apply online use the link below :
Quote and Apply for the Ameritas Plan 3 Online
