Dental and vision care are just as important to a lifetime of good health as your medical plan. Achieving and maintaining a bright and healthy smile can be expensive. Taking advantage of your BB&T dental benefits can help offset these expenses.
In-Network vs. Out-of-Network: Your dental plan provides benefits whether your dentist is in- or out-of-network, giving you the freedom to visit any provider you choose. However, when you select an in-network dentist your out-of-pocket expenses are generally 10-30 percent lower, and there are no claim forms to complete. Network Savings
Ameritas Dental Network: Our network includes more than 413,500 dental access points across the nation. Find a dental provider.
Deductibles: There is a $25 deductible for Type 2 and 3 services with a $75 family maximum.
Preventive Services (Type 1): Your Type 1 preventive services (exams, cleanings, x-rays and children’s fluoride treatments) are covered in full when you visit an Ameritas network provider.
Type 2 & Type 3 Benefits: Members having an effective date after January 1, 2017 will need to satisfy 6 months of coverage on the plan before being eligible for Type 3 services.
Full prior extraction coverage for initial insureds and dependents with a January 1, 2017 effective date. Those with a coverage effective date after January 1, 2017 have no prior extraction coverage until they are on the plan continuously for 12 months. After that, these claimants will have full prior extraction coverage
Orthodontia: Your dental plan includes child orthodontia coverage.
Maximum Benefits: The plan pays a maximum benefit of $1000 per individual for Type 1, 2 and 3 procedures combined. The maximum benefit is per calendar year and does not include orthodontia procedures.
Dental Rewards®: You can increase your dental maximum benefit amount via Dental Rewards. Each year you submit at least one dental claim and keep your total claims paid at or below $500, you qualify to carryover $250 in benefit dollars to the following year. If you visit an Ameritas network provider, you earn an additional $100 in rewards.
ID Cards: Access your personalized ID card via your secure member account, then print it or save it to your smartphone. Discover how online services can help you get the most from your benefits.
Explanation of Benefits (EOB): Receive e-mail EOBs instead of paper statements by selecting “go paperless” via your secure member account. You will get your benefit information faster and minimize your risk of identity theft.
Ameritas is happy to provide you with a pretreatment estimate to help you understand your estimated out-of-pocket expense prior to obtaining services. For any treatment you believe to be somewhat expensive, have your dentist submit the treatment plan to us for review. You and your dentist will receive a statement estimating the plan payment and your out-of-pocket expense.
We're Here to Help
This plan was designed specifically for the associates of BB&T Corporation. At Ameritas Group, we do more than provide coverage - we make sure there's always a friendly voice to explain your benefits, listen to your concerns, and answer your questions. Our customer connections associates will be pleased to assist you 8 a.m. to 1 a.m. (Eastern Time) Monday through Thursday, and 8 a.m. to 7:30 p.m. on Fridays. You can speak to them by calling toll-free: 800-487-5553. During nonbusiness hours, our Website and Integrated Voice Response Unit are available.