Ameritas Dental and Vision Insurance

Q: What does Ameritas dental insurance typically cover?

Most Ameritas dental plans cover preventive care (exams, cleanings, X-rays) and offer benefits for basic services (fillings, simple extractions) and major services (crowns, root canals, implants) with varying coinsurance. Coverage levels, annual maximums, and deductibles vary by plan.

Q: Are there waiting periods?

Preventive care often has no waiting period. Basic and major services may have waiting periods (e.g., 6–12 months). In many cases, prior credible coverage can reduce or waive waiting periods—ask us to check your eligibility.

Q: Can I keep my current dentist?

Ameritas has a large nationwide PPO network. You can see out-of-network dentists, but in-network providers typically offer lower negotiated rates and higher plan allowances. We’ll verify your dentist’s network status before you enroll.

Q: What vision benefits are available?

Ameritas vision options commonly include coverage for eye exams, allowances for frames and contact lenses, and discounts on lens options. Specific copays and allowances depend on the plan and network.

Q: How do premiums and annual maximums work?

Premiums depend on age, location, and plan tier (individual, couple, family). Dental plans set an annual maximum the plan will pay per year; preventive care often doesn’t count against it with some designs. We’ll match you to the most cost-effective option.

Q: Do Ameritas plans include orthodontics or implants?

Some Ameritas plans offer optional orthodontic benefits (often with age limits and waiting periods) and coverage for implants on select tiers. Availability varies—ask us to compare plans that include these benefits.

Q: How can Diversified help me compare and enroll?

We’ll confirm providers are in-network, check waiting-period waivers, compare Ameritas versus other carriers, and handle enrollment. Our goal is to balance premium, benefits, and provider access so you get the best value.

Ameritas Dental and Vision Insurance

At Diversified Insurance Brokers, we know that maintaining your oral and eye health is an essential part of overall wellness. The Ameritas Dental and Vision Insurance plans are designed to make it easier and more affordable to take care of your teeth, gums, and eyes—helping you prevent problems before they start and manage costs when treatment is needed. With flexible plan options, affordable premiums, and a broad provider network, Ameritas is a trusted choice for individuals and families seeking reliable, everyday health coverage.

Dental and Vision – Ameritas

Comprehensive dental and vision coverage for routine care, treatment, and corrective eyewear.

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What’s Covered

Dental: Routine exams, cleanings, x-rays, fillings, and other preventive or restorative services.
Vision: Eye exams, prescription lenses, frames, and contact lenses.
Major Services: Coverage for crowns, bridges, dentures, and more depending on your plan selection.

Why Choose Ameritas Dental and Vision?

Affordable premiums that fit into your budget
Large nationwide network of dental and vision providers
Simple claims process with fast reimbursements
Options for individual, family, or employee coverage

Who Can Benefit?

Ameritas Dental and Vision Insurance is ideal for individuals, couples, and families who want a straightforward way to protect their dental and eye health without breaking the bank. It’s also a great option for retirees, self-employed professionals, and anyone whose employer does not provide these benefits.

Why Work With Diversified Insurance Brokers?

We partner with Ameritas and other top-rated carriers to help our clients find the most cost-effective coverage that meets their needs. Our advisors can guide you through plan options, explain the benefits, and ensure you get the best possible protection for your health and budget.

FAQ: Ameritas Dental & Vision Insurance

What does Ameritas dental insurance typically cover?

Most Ameritas dental plans cover preventive care (exams, cleanings, X-rays), and offer benefits for basic services (fillings, simple extractions) and major services (crowns, root canals, implants) with varying coinsurance. Coverage levels, annual maximums, and deductibles vary by plan.

Are there waiting periods?

Preventive care often has no waiting period. Basic and major services may have waiting periods (e.g., 6–12 months). In many cases, prior credible coverage can reduce or waive waiting periods—ask us to check your eligibility.

Can I keep my current dentist?

Ameritas has a large nationwide PPO network. You can see out-of-network dentists, but in-network providers typically offer lower negotiated rates and higher plan allowances. We’ll verify your dentist’s network status before you enroll.

What vision benefits are available?

Ameritas vision options commonly include coverage for eye exams, allowances for frames and contact lenses, and discounts on lens options. Specific copays/allowances depend on the plan and network (e.g., VSP or EyeMed partners in some offerings).

How do premiums and annual maximums work?

Premiums depend on your age, location, and plan tier (individual, couple, family). Dental plans set an annual maximum the plan will pay per year; preventive care often doesn’t count against it with some designs. We’ll match you to the most cost-effective option.

Do Ameritas plans include orthodontics or implants?

Some Ameritas plans offer optional orthodontic benefits (often with age limits and waiting periods) and coverage for implants on select tiers. Availability varies—ask us to compare plans that include these benefits.

How can Diversified help me compare and enroll?

We’ll confirm your providers are in-network, check waiting-period waivers, compare Ameritas vs. other carriers, and handle enrollment. Our goal is to balance premium, benefits, and provider access so you get the best value.

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About the Author:

Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.

His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.