Dental 2019


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Achieving and maintaining a bright and healthy smile can be expensive. Taking advantage of your Ameritas dental benefits can save you money.

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Each plan member is free to visit any provider they choose, including your current dentist, regardless if they are in or out of network. And family members do not have to see the same dentist. When you visit an in-network dentist your out-of-pocket expenses are generally 20-40 percent lower and there are no claim forms to complete. Find a Dental Classic PPO Provider.

You have three dental plan options to choose from: Indemnity with PPO, Standard PPO and Preventive PPO

  • Indemnity with PPO provides the same coverage, whether your dentist is in or out of network.
  • Plans Indemnity with PPO and Standard PPO each offer Orthodontia coverage for children and adults.
  • The deductible amount For Type 2 and Type 3 procedures is determined by the number of people enrolled under the plan coverage. For employee only, it is $50, for employee and spouse, or employee and children it is $100, for family coverage it is $150.
  • The per person calendar year maximum is $2,000 for Indemnity with PPO, $1,500 for Standard PPO and $1,000 for Preventive PPO. This is the amount the plan will pay per year in covered services.

Please see your highlight sheet or your human resources department for a full listing of procedures and their covered amounts.

What are Type 1, 2 and 3 procedures?
Pretreatment Estimates

This plan has a maximum of $2,000 per calendar year.
The deductible amount For Type 2 and Type 3 procedures is determined by the number of people enrolled under the plan coverage. For employee only, it is $50, for employee and spouse, or employee and children it is $100, for family coverage it is $150.

Dental coverage details under the Indemnity with PPO Plan
Orthodontic Coverage details under the Indemnity with PPO Plan
Certificate under the Indemnity with PPO Plan

This plan has a maximum of $1,500 per calendar year.
The deductible amount for Type 2 and Type 3 procedures is determined by the number of people enrolled under the plan coverage. For employee only, it is $50, for employee and spouse, or employee and children it is $100, for family coverage it is $150.

Dental coverage details under the Standard PPO Plan
Orthodontic coverage details under the Standard PPO Plan
Certificate under the Standard PPO Plan

This plan has a maximum of $1,000 per calendar year.
The deductible amount for Type 2 procedures is determined by the number of people enrolled under the plan coverage. For employee only, it is $50, for employee and spouse, or employee and children it is $100, for family coverage it is $150.

Dental coverage details under the Preventive PPO Plan
Certificate under the Preventive PPO Plan

Indemnity PPO and Standard PPO each provide Orthodontia coverage for children and adults. Orthodontia benefits begin immediately on the Indemnity with PPO plan. There is a 12-month waiting period on the Standard PPO plan. If you are new to the Ameritas dental plan and had prior orthodontic coverage, you may submit documentation for consideration to waive the waiting period. Take a look at your plan’s orthodontia coverage.

The treatment program may begin at any age, but dependent benefits cease when a patient is no longer a dependent, even if a treatment program is underway. Plan payments will begin automatically to the party assigned on the claim form. The payout is made in equal quarterly installments not to exceed two years.

For orthodontic programs that were covered under your prior plan, and are in progress, Ameritas will coordinate benefits between your old plan and the new plan to make sure you receive the remaining maximum benefit. For example, if your previous plan paid $500 toward your orthodontic treatment plan, you will still be eligible to receive benefits under the Ameritas plan. Click here for details.

Get an idea of what an out-of-network general dentist may charge based on zip code and dental procedure. It’s located in your secure member account. View a demo.

After 12 months of using your dental benefits, Ameritas will provide you with a dental health report card. It was developed through the University of Nebraska Medical Center School of Dentistry and includes feedback on your dental health status and dental care tips specific to you.

Claims, benefit, and provider network questions: group@ameritas.com 877-721-2224 Monday-Thursday 8a.m.to 1a.m. (EST) and Friday 8a.m. to 7:30p.m. (EST)

Eligibility, billing and eServices assistance: group_assistants@ameritas.com 800-659-2223 - Monday-Thursday 7a.m.-7p.m. and Friday 7a.m. to 5:30p.m. (CST)

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View our dental videos and articles about wellness, the ACA’s impact on benefits, a healthcare glossary and more at ameritasinsight.com. Link to any of our social media channels through the icons in the footer.

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