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Ameritas Dental Insurance Review


ConsumersAdvocate.org Rating: 4.3 / 5 (Excellent)
64 Customer Comments & Reviews - see all comments
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Ameritas is a Nebraska-based mutual insurance company founded in 1887. It offers a wide array of products and services, including health, life, and dental insurance, financial services, and other employee benefits. Ameritas holds an A.M. Best rating of A (Excellent), an S&P rating of A+ (Strong), and an A+ rating with the BBB.
 
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Ameritas Dental Review

Ameritas Dental Insurance offers plans catered towards individuals and families. Rather than relying on dental insurance offered by your employer, Ameritas promotes independence. This is great especially when you find yourself moving to another job. Ameritas also offers discounts on prescriptions from Walmart or Sam's Club pharmacies, which could save you a couple more dollars on dental treatments.

What's included in Ameritas Dental?

MY DENTAL PLAN® HIGHLIGHTS

All plans pay a benefit toward covered services after the $50 per-person deductible.

Plans with either one or two exams and cleanings per year.

Dental Rewards® feature lets qualifying individuals earn an additional amount to add to their following year's annual maximum.

Plan 3 includes a $100 vision benefit to use for vision exams, frames, lenses and contact lenses.

Helps you save on prescription medications through Walmart or Sam's Club pharmacies. 

20/20 PLUS VISION PLAN HIGHLIGHTS

All plans offer vision, dental and hearing care benefits with no waiting or elimination periods.

Plan C offers increasing annual maximum benefits.

Enjoy the freedom to see your choice of vision care provider

Save up to 15% on eyewear frames and lenses purchased at any Walmart Vision Center nationwide. 

Receive savings on prescriptions at Walmart or Sam's Club pharmacies, and eyewear frames and lenses purchased at any Walmart Vision Center. 

Plan Reviewed

MY DENTAL PLAN®

How much does it save you?

preventive 80% plan 1, 100% plan 2 and plan 3

Basic 50% for plan 1 and 2, 80% for plan 3

Major plan 1 not covered, 50% for plan 2 and plan 3

Annual Maximum

plan 1 $500, plan 2 $1000, plan 3 $1500

Treatments Covered and Reimbursement

Covers all treatments but Major services are only covered with extra premiums.

Fine Print

No waiting periods if you were covered by another dental plan within 30 days of the date the application was received.

When you visit an Ameritas PPO network provider, the amount allowed for each covered procedure is based on the Maximum Allowable Charge (MAC). 

 

Summary

Ameritas Dental focuses its services towards providing individuals and families with better dental coverage. It gives them independence in choosing dental plans tailored to their specific needs.

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64 Customer Comments & Reviews

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mrmans6232
1/21/2019
January 21st, 2019 They are absolutely awful. I checked before I went to my eye Dr. and was told about the so-called $100 eye benefit. First off, it does NOT apply to exams as mentioned above. Secondly, they required me to fill out my own claim form and I emailed it to them. The form asks the usual questions like "address". Do they actually, look at that? no. I moved 3 years ago and allegedly, they sent out the check to my old address. The claim form was submitted to them on 11/2/2018 and here it is 1/21/2019 and nothing. Oh I've had conversations with representatives, managers, claims manager---this morning even. I was told I could have the tracking number too. nope.... Read More

Ray R
1/15/2019
My wife has had two crowns done based on the recommendation of our in network dentist. They have refused to pay the claim stating that they feel that there was enough tooth left to do a filling. To me it seem like Ameritas would rather just have my wife have her teeth pulled out instead of covering the crowns, which were the suggestion of our dentist. On that note as a customer and not a dental expert how is it that someone in an office can make a determinaiton on what will be covered and what will not be covered. Part of me wonders if they have a policy in place to just deny all claims and only pay on the ones that fight it. It is very frustrating to pay for a benifit but still have... Read More

J
jessica
10/16/2018
This company is the worst! A big rip off and a waste of time and money!!

S
Sharron S
10/15/2018
Have had Ameritas for about 3 years but their customer service is for the birds. They will not let me check on my husband's claim status and trying to login to their website is hopeless. It never works. They really suck as far as caring for the customer. I wish we could go back to Delta Dental!!

Dom4512
10/12/2018
Paid $55 for a regular cleaning for me but only $33 for a Periodontal cleaning for my wife. A Periodontal cleaning is essentially a regular cleaning that goes deeper. So why not at least pay for a regular cleaning? They claimed it was because of how it is coded. Companies that nickel and dime people and then hide behind excuses like "coding" are only about one thing. And it's not the customer.

T
Tess
7/19/2018
I have had Ameritus for a year IN NETWORK. I also have a discounted insurance so I have two. 2 implants are being billed $3172 a pop. Ameritus is covering $1084 that's 25 percent. 2 crowns were put in today, with my discount rate and Ameritus $759 was billed I paid $439.50 That's not bad My premium is about $780 a year with eye. IT still is a savings I have more work to do on the teeth. \If I didn't have it I still would have paid out more. not much more but more. . But all my X-rays were covered and cleaning. My extractions I had two they covered about$150. I paid out most on those. so gave them average I haven't lost money.

Jean R
7/11/2018
Surprised to see all the negative reviews. I've had this coverage about 10 years and it's the best dental I've ever had. I go to an out of network provider and have been impressed by prompt payments and the amount covered - I have quarterly periodontal treatments - and I wonder if some dentists are less skilled in coding (which really matters) or if coverage in NYS is different. Yes, the coverage maxes out at $1,000/year - that's that way every plan I've ever had operates, but if you go for a preventive visit at least annually there is a credit system that helps off set major expenses such as a root canal.

S
Sierra
12/6/2017
They have lots of in network dentist in my area I've had them for 1 year and never have been denied for any treatment. Go to healthcarebluebook.com to see if your dentist is overcharging you. My dentist is honest so no problems Ameritas pays the 50% for all major services.

K
kellie
11/27/2017
Very disappointed. It would have been cheaper for me to have paid out of pocket directly with my own dentist (who is out of network, so I wasn't permitted to go to him under Ameritas). This is because he offers his own insurance, which is cheaper than ameritas. Unfortuantely I was mislead when purchasing the insurance to believe that I would only be responsible for $50 of all preventative (cleaning) and basic (xray) services, so I chose the Ameritas route. Full disclosure, I purchased the insurance through a third party, however even the materials from Ameritas were not clear on this issue. As a result, I have cancelled my plan.

S
Sean
6/29/2017
8.6/10?? Really? I hope I've stumbled upon a joke website that isn't serious about this "Excellent" grade. I've had Ameritas Dental Insurance for around five years now, and I can tell you they are the worst dental insurance company I've ever had. I'm 47, so I've had a lot of dental insurance companies for providers over the years. Unfortunately, Ameritas is provided by my employer, so I am forced to have it. They "allow" a certain amount of cleanings, x-rays, etc..., but they have a bunch of nitpicky "other" items that are not allowed. I pretty much expect that whenever my family goes to the dentist, I'll be getting a bill in a few weeks for around $60-$80 additional per person. Oh, and... Read More

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Our Partner
  • Unlimited Use
  • Pre-Existing Conditions Included in Plan Savings
  • Plans Start at $99/Year for Discounted Rates on Dental Procedures
  • 100,000+ Dental Access Points Nationwide
  • A+ Grade with the BBB
  • Voted #1 in Ethics by Dallas Morning News
  • Discount Dental Plan (Not Insurance)
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