- 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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73 Customer 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.
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.
- Non-insurance discount on prescriptions
- Specializes in Individual and family dental insurance
- Plans also cover vision
Latest Ameritas Reviews
I don’t think it’s very good I had it for years and it’s doesn’t want to cover your claims and I to resubmitted my claim over and over. Why get it if they don’t want to pay out.
Ameritas Dental Insurance is a deceptive company needs to be investigated, as they give approval for the dentist to proceed and then afterwards deny the claim. When you call their customer service they are Rudy and do not make sense in what they are saying and then accuses you of knowing what they are saying which is garbage.
Worst dental insurance EVER! They pre-authroize a treatment and then when the dentist turns in the paperwork for what they approved, they deny everything. When they will pay, the checks never show up...my dentist has been waiting over 4 months for a $40.00 check! They will ask the dentist to re-submit claims and films over and over, by email and regular mail until they exhaust the time frame for the claim. They are now only allowing one cleaning a year, what insurance does that?...none, it's aways one every 6 months not every 12 months!
I purchased Ameritas dental insurance in May 2024 & I've had enough! I'm looking for new dental insurance right now. My biggest regret is not seeing the reviews posted here back in May. For some reason, this page did not come up when was I looking for reviews back in May. I've never had such major problems with any dental insurance. For starters, one HUGE headache is that Ameritas' provider directory is absolutely garbage! I've spent an enormous amount of time, literally from May-now (Sept 4) trying to find an in-network oral surgeon that meets my specific needs only to find out that the dentist displayed as in-network is not even affiliated with them any more. One dentist's... Read More
Paid $40 a month for dental and vision and got reimbursed a whopping $6 on a $600 dental bill. Of course my dental office didn't take this insurance (because apparently nobody does) so I had to file the claim myself. Spent most of the six bucks mailing the paperwork.
Stay as far away from this company as possible. My Dentists office called twice to affirm that Ameritas would cover my vaneers . Ameritas confirmed they would cover the procedure only to deny the claim after the fact! STAY AWAY and keep your money!!!
I wish I could give ZERO stars. Total scammers. I had a procedure that was PRE_AUTHORIZED by them. Just got the statement from my provider - denied on all line items. Now I'm on the hook for over $3700 and I will be pushing my company to tell these people where they can stick it
I have been robbed! I have paid for 2 months of dental insurance and they hang up on me. I have an escalated support ticket since June 1st. No movement. How do I report them to the BBB and take them to small claims court?
they will deny any major service it seems like after reading through reviews. i got a crown due to a cracked tooth and theyre denying it due to not sufficient evidence the tooth was decaying or tramatic injury resulting in substantial loss of tooth structure. seems like we should all ban together and sue this company
after three years of paying deductables, I turn in my first claim and its denied , for a miserable $87.
this is the worst supplimental insurance ever. DO NOT BUY
Denied me because I didn't pay the deductable at the time of service, which was initially turned inot my medicare and the remainder sent to ameritas.
I now deny them as my supplimental insurance.
A very deceptive and fraudulent company. Supposed to pay 2 preventive cleanings a year at no cost . I had to pay both times for xrays that I never had to pay with other insurance companies ever. Wouldn't pay their part on a crown that was necessary because of a crack.(Dentist said if I didn"t crown it I would at any time loose the tooth because it would break off. They gladly took my premium each month , but wouldn't pay what they were supposed to on claims.
I contacted several dentists in my area, as listed by Spirit Dental (Ameritas) about taking new clients, and none are available. This reality is NOT noted on the Spirit/Ameritas web pages, and can lead to payment of dental plans for which no service provider is available (within a reasonable distance). This is deceptive and fraudulent.
I have had dental coverage with this company for the last three years, my Doctor is in the network and recommended me to change a crown due to lost of molar tissue. The insurance required information of how old was the current crown, which I did but the insurance did not cover it even after I wrote a complaint. It is the worst dental company in the market.
Believe what the reviews are saying about this worthless company . I’ve had Ameritas since 12/2020, it shows my coverage for crowns is 50%, had to have a tooth crowned and called before to make sure it was covered. The person when I finally got someone said it was, had the procedure only for Ameritas to show it was denied. So now instead of owing $800, I’m responsible for $1600. I have been paying $40 a month and when I need something major it gets denied, I will be canceling this policy. How this crap is aloud and nothing happens to these companies is absolutely ridiculous. THIS COMPANY IS ABSOLUTELY WORTHLESS.
It's a scam. The premiums are high but they deny to cover what supposed to be covered.
Got Platinum Dental thru #NAR - #Realtors I was LIED to about great plan, no waiting - was ALL 💩 My"In Network" Provider is even getting away from them bc they dont pay or reply. WASTED 4 HOURS on hold today - No Help WASTE of $ &⏰ Dont Deal With Them! After they get ur card & put u on auto pay, Youre DONE, they paid $50 of my $2100 yearly max and I have been paying for PLATINUM with a Group Plan for NAR- National Assoc. of Realtors - TRUST ME if I am wasting yet more time to leave these reviews everywhere... Thats how you can KNOW they are the absolute WORST. I have told a group of my fellow realtors and we are writing letters to NAR and will also be addressing the decision makers in... Read More
I have never had such poor communication with an insurance company. Ameritas says they have not been provided the information necessary from my dentist to continue to process my claim and My Dentist said they have provided them with the information twice. Now Ameritas said they are going to close my claim with an administrative denial since they haven't received my supporting documentation. I am being ripped off.
Terrible customer service. can't start treatment until they approve and it has been weeks. My dental office says sometimes it is 2 or 3 months to get approval. They seem to be waiting for this year to time out.
I have Physicians Mutual Dental policy. Ameritas processes all the claims or should I say delays indefinitely paying all the claims. My dentist won't deal with them and I have to pay up front. There is absolutely no communication to the people that actually process the claim. Their people that do answer the phone say they process claims in ten days or up to 30 days by law unless they need additional information. In that case, it starts all over again. Their correspondence is by mail so that further delays payment. I am currently waiting on them to read an ex ray. They said that takes up to10 days. I am wondering if I'll ever see payment
Why have dental insurance when it leaves you high and dry. I am a teacher. I cannot afford to pay out of pocket.
Unbelievable. I've had dental coverage with Ameritas for 5 months and just found out they lied when they told me my dentist participated in this plan. So now I'm out $250 in premiums for services I not only did not use, could not use, as well as the 5 months' seniority I might have had with a respectable company.
In my opinion, Ameritas is nothing but a collection of liars and scam artists.
This is my warning to any of you thinking of getting a policy under Ameritas dental. My policy closed weeks ago and i found out just the other day that They charged me $130 off my card. MY policy was $32 and not only that, it was a life insurance policy. I tried to acess my account online to find out what the fuck is going on with my account and the password was wrong. I successfully changed it and then the website bugged out. Every time I hit enter, the site would take me back to the password link. So I finally tried to call customer service and after rounds of calleds trying to get passed the annoying automated operator without a policy number (My policy closed and I didn't have my... Read More
I opted to extend the coverage after leaving my previous job. What a terrible decision. This opened a new plan and closed the previous plan apparently. Every time there is a claim, it gets denied because they refer to the closed plan, not the new plan. Even now, after I have stopped coverage and I am asking for a termination coverage letter...guess which plan they send the letter for? The first plan from my employer. NOT the most recent plan (extension is what I thought), but the previous plan which was closed. If Ameritas' database cant handle referencing the most RECENT account automatically in 2022, maybe you should upgrade?
THE WORST COMPANY FOR DENTAL... VERY POOR CUSTOMER SERVICE!!! WENT TO MY DENTIST AND AMERITAS CALIMS TO PAY 20% FROM DAY ONE. I WAS TOLD THEY WILL PAY 20% OF 20%... WHAT THE H**L DOES THAT MEAN, NO ONE CAN EXPLAIN THIS AND KEEP BRUSHING ME OFF!
HOW DO YOU STATE MINUS 5 STARS....
SAVE YOUR MONEY AND GO ELSEWHERE. I paid for 5 months of this insurance. Not once was I able to use it Bc their website has had issues with me since I received the confirmation. I emailed them and no response for months. Then I decide to call them today and I have NEVER IN MY LIFE HAD A EMPLOYEE TALK TO ME DISRESPECTFULLY AS THE NARCISSISTIC MAN WORKING IN ADMINISTRATION TALKED TO ME TODAY. He blamed everything on me. Said I should have called even though I was on hold for 34 mins before he picked up the phone. This man then proceeded to yell at me on the phone. Again saying it’s my fault that I reached out by email Bc that’s what the website said to do. This was an absolute terrible... Read More