Ameritas Dental Insurance Review

Ameritas dental insurance comes in the form of a group or individual plan. The company began as a life insurance provider in 1887 in Nebraska. Eventually, their good reputation afforded them the ability to sell additional types of insurance. Today, they're one of the top ten best-rated dental insurance providers in the United States.

The Ameritas individual plans require a $50 deductible before benefits are payable. After that is satisfied, the company will cover a specific percentage of various procedures. Depending on the procedure and the type of plan chosen, the percent of coverage will vary. Dental procedures each have a set co-pay based on that percentage deduction. Annual maximums for individual and family plans are either $500, $1,000 or $1,500. There are also a few family plans that offer vision benefits.

Group dental plans are also offered by Ameritas. These plans differ from the individual and family plans. Based on the size of company and the number of employees enrolled, the discounted rates may vary. They also may vary slightly from one state to another. However, the plans are structured similar to family and individual plans, each featuring a percentage-based discount on procedures and treatments. Co-pays are usually less than those in individual plans.

Ameritas Dental - Additional Benefits

Ameritas offers a wide array of additional benefits, such as ease of access to the company's features and forms online. With just a few clicks of the mouse, plan members can download claim forms, find participating dentists in their area or check the status of an existing claim. These features have helped the company remain one of the top-rated providers.

All of Ameritas' features are advantageous to consumers who purchase a plan, regardless of whether it is group-based or individual. The only disadvantage some customers found was the annual limits. However, the best-rated dental plans all have annual limits because the coverage is so good. By maintaining teeth and attending regular appointments, the need to exceed the annual maximum won't be an issue.

Ameritas Dental - An Excellent Choice

Overall, Ameritas dental insurance is an excellent choice. There is a significant amount of educational and factual information on the website for any interested consumers to read. The search tool on the website also allows plan members to compare the prices of different dental offices who participate in the plan that are located in the area. Ameritas is dedicated to providing high-quality customer service and offering affordable plans to keep their members' smiles healthy.

Author: Valhalla	Source: Ameritas Dental
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Last Modified: April 27, 2011

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