Build a confident bright smile by having Core Dental Insurance. The number one reason people do not go to the dentist is lack of dental insurance. Designed to be affordable and valuable for people who do not have dental, vision, or hearing insurance.
We encourage individuals to review the four plan choices to consider which plan best fits their budget and dental wellness needs.
Eligible members (18 years of age and older) have a choice between four plan options (Platinum, Gold, Silver and Value plans).
Members can cover eligible dependents with dependents receiving the same plan option chosen by the member.
Providing you insurance coverage for over 300 procedures.
- Preventive Dental Benefits (no deductible): Routine exams, bitewings, cleanings, fluoride treatments, sealants, and more.
- Basic Dental Benefits (no deductible): Full mouth X-rays, amalgam restoration (silver fillings), simple extractions and more.
- Major Dental Benefits (no deductible): Available on Platinum, Gold and Silver plans only. Onlays, maxillary partial denture - resin base, denture repair, complex extractions, surgical removal of teeth, deep sedation/general anesthesia, endodontics - root canal, periodontal scaling and root planing, crown and crown repairs, pontics - porcelain fused to noble metal, and more.
It's not just dental insurance...
- Vision Insurance: Apply a portion of dental maximum benefit towards annual eye exams, lenses, frames and contact lenses. Additional discounts are at no cost to plan members who use an EyeMed Access network provider.
- Hearing Insurance: Wellness benefit which helps people protect & preserve their ability to hear. Pays benefits for hearing exams.
Additional benefits are available with Platinum, Gold, Silver and Value Plans.
- Orthodontia Benefits (not available on Value Plan): A benefit available to participating dependent children of the plan.
- Teeth Whitening Benefits: Professional teeth bleaching, also referred to as whitening, has become a popular cosmetic procedure. With this benefit, plan members can enjoy having a healthy, white smile that will boost self-confidence and add sparkle to their appearance.
- Dental Rewards®: A valuable feature which allows qualifying plan members to carryover part of their unused annual maximum.
- Laser Vision Correction Coverage Benefit: LASIK Advantage® provides coverage for LASIK and related procedures, including standard LASIK, Custom LASIK, LASIK with Wavefront Technology, Custom Vue LASIK, LASIK with IntraLase technology and Photorefractive Keratectomy (PRK). Members earn a lifetime benefit per eye over time.
- Eligibility: Anyone at least 18 years of age who is not a current Ameritas dental plan member is eligible for these valuable dental plans.
- Freedom of choice: You're free to visit any licensed dentist. These plans include a participating network (PPO) of dentists nationwide; your out-of-pocket costs are almost always less if you visit a PPO dentist.
- Large nationwide network (PPO): When you visit a participating Ameritas Dental PPO provider, you save money. Ameritas PPO providers have agreed to charge discounted fees (Maximum Allowable Charge or MAC) to member clients. The Ameritas Dental network is comprised of thousands of dentist locations nationwide. You can use a simple online directory to easily find the nearest provider. PPO dentists must meet credentialing and quality assurance evaluation requirements.
- Claims convenience: You will receive an ID card to present to your dentist at the time of service. The dentist can submit bills to Ameritas, which in most cases will pay the dentist directly. You'll receive an Explanation of Benefits (EOB) statement, which will explain how benefits were covered. For your information, claims are available to view online at any time.
- Maximum Covered Expense (MCE): MCE is an easy-to-understand benefit at a very affordable rate. You know exactly what the plan pays for each covered procedure, and pay the difference between that amount and the dentist's fee. You will receive additional out-of-pocket savings when using an Ameritas PPO provider.
- Easy online billing: You may pay your bill online or have your premiums automatically deducted from your account. You can access your account 24/7 and receive email alerts to be notified of upcoming withdrawals.
- Personal service: We want you to understand your coverage and be satisfied with the results.
- Credit for existing plans: If you have existing coverage under another dental plan you may apply for the Core Dental Plan and elimination periods may be waived.
After you register, a complete schedule of benefits and maximum covered expenses can be accessed at the rate and plan design section of the website.
actual savings varies based on location and plan selected
Bob, who lives in the Chicago area (ZIP 60156), visits the dentist and gets an exam, cleaning, and x-rays. The dentist discovers that Bob needs a filling and an extraction. Here is an example of PPO savings if Bob selects the GOLD or the PLATINUM plan:
| Procedure/Procedure Code | Dentist's average
charge in the area | PPO Provider
(MAC = Maximum Allowable Charge)
| Maximum Covered Expense (MCE)
Under the Gold Plan | Maximum Covered Expense (MCE)
Under the Platinum Plan |
| Comprehensive exam, D0150 | $63 | $38 | $36 | $46 |
| Adult cleaning, D1110 | $79 | $52 | $49 | $63 |
| Bitewing x-rays, D0272 | $38 | $22 | $21 | $27 |
| Filling (restorative amalgam), D2140 | $117 | $70 | $51 | $66 |
| Complex extraction, D7230 | $365 | $226 | $98 | $133 |
| TOTAL | $662 | $408 MAC*
| $255 MCE
| $335 MCE
|
Under the GOLD plan, if Bob uses an Ameritas PPO dentist for services, his out-of-pocket expense is $153. If he uses an out-of-network dentist, Bob will share more of the cost of his services, with his out-of-pocket expense at $407. Under the PLATINUM plan, with a PPO dentist, Bob's out-of-pocket expense is $97. If Bob uses an out-of-network dentist, he will share more of the cost of his services, with his out-of-pocket expense at $327.
In-network expenses vary by ZIP Code, out of- network expenses vary depending on the amounts charged by non-network dentists. Without a plan, Bob's out-of-pocket expense would have been $662.
*PPO providers -most common contracted fee"
Definitions:
Maximum Covered Expense (MCE): MCE is an easy-to-understand benefit at a very affordable rate. The plan pays the amount of the expense, up to the MCE, for each covered procedure, and you pay the difference between that amount and the dentist's fee. You will receive additional out-of-pocket savings when using an Ameritas PPO provider.
Maximum Allowable Charge (MAC): The charges accepted by dentists who are Participating Providers. The MAC is reviewed and updated periodically to reflect increasing Provider fees within the ZIP code area. It is derived from the array of Provider charges within a particular ZIP code area.
Current Dental Terminology ©2011 American Dental Association. All rights reserved.