Ameritas offers dental insurance plans such as traditional tailored indemnity, value source, essential dental, managed care/provider network and dental rewards, according to Ameritas. Other plans include orthodontia, cosmetic, high/low, core/buy-up and a dual choice option. It also offers sensible choice, voluntary, administrative services only and small group trust.
All plans that Ameritas offers provide coverage after members pay a $50 deductible per person. Each plan comes with either one or two exams and cleanings annually, states Ameritas. A dental rewards plan rewards members for practicing good oral wellness. If a member does not use some of his annual maximum, he can qualify to carry it forward for use in the following year.
A cosmetic plan covers teeth whitening and tooth-color composites on molars. High/low plans provide two dental procedure reimbursement levels, giving members flexibility in one plan, explains Ameritas.
Core plans offer members the ability to get a core benefit, but they can also opt to buy a richer option. With this, employers can provide a core benefit, while employees who need extra can still access it.
Sensible choice plans provide reimbursement based on the dollar amount a member spends on dental care and not the type of services a member receives, states Ameritas. Based on needs and goals, members can also choose a set of smart choice tools to keep their costs predictable and manageable.