Call Center

Email:

Kris.Keush@USArpip.com

M-F 8 A.M. -8 P.M. Sat - Sun 9 A.M. -6 P.M.

(800) 395-4820

Free Medicare Enrollment Center

Ask about $0.00 Monthly Premium Policy

Menu

Dental & Vision

Click here for Dental and Vision Plans:

Click here to Find a Network Provider:

Click here to open the PDF form:

Click here for Vision PDF form:

Most Ameritas individual dental plans include a $100 vision benefit that can be used for eye exams or materials. Ameritas also offers three 20/20 Plus plans. These plans were designed to provide affordable benefits for essential vision, dental and hearing care.

20/20 Plus Plan Highlights

  • All plans offer vision, dental and hearing care benefits.
  • Plan C offers increasing annual maximum benefits.
  • Enjoy the freedom to visit the vision care provider of your choice.
  • You can visit any dentist, and will almost always pay less out-of-pocket when visiting an Ameritas Dental Network provider.
  • You receive an additional value when visiting an EPIC alliance provider for hearing care services.
  • Save up to 15% off eyewear frames and lenses purchased at any Walmart Vision Center nationwide.
  • Save on prescription medications at over 60,000 pharmacies across the nation including CVS, Walgreens, Rite Aid and Walmart.

Individual Dental Plans 

Preventive dental care can save you money by keeping your mouth protected from more serious dental issues. Besides protecting your smile, regular dental check-ups help monitor your overall health. Many risks, such as diabetes, oral cancer and heart disease can be detected early on by a dentist.

Ameritas individual dental insurance is an affordable way to maintain dental health when you are not covered through an employer. And having your own plan means it’s portable – you can take it with you if you retire, change jobs, start your own business, or take a sabbatical.

Dental Plan Highlights

  • Most plans cover preventive services, such as an annual dental exam and cleaning, at 100%.
  • All plans include Dental Rewards®, which lets you increase the annual benefit maximum each year.
  • You can visit any dentist, and will almost always pay less out-of-pocket when visiting an Ameritas Dental Network provider.
  • Save on prescription medications at over 60,000 pharmacies across the nation including CVS, Walgreens, Rite Aid and Walmart.
  • Save up to 15% off eyewear frames and lenses purchased at any Walmart Vision Center nationwide.

Dental Plan Terminology

Preventive services

Preventive services include fluoride treatments for dependents under age 14, exams, cleanings, bitewing films and x-rays. Please see the plan details on each plan for the frequency of services covered each calendar year.

Plan benefits

Plan benefit is how much the Ameritas plan pays and member coinsurance is how much you pay. When you visit an Ameritas Dental Network provider, Ameritas sends payment directly to the dentist. You won’t pay the difference between the dentist’s contracted fee and his or her normal fee (subject to contractual limitations). When visiting an out-of-network dentist, you must pay the difference between what the plan pays and the dentist’s actual charge, and may have to submit the claim. Plan benefits are per calendar year.

  • MAB: The My Dental Plan out-of-network allowance is a maximum allowable benefit (MAB). The MAB claim allowance is equal to the lowest contracted fee in your ZIP Code. Any difference between your plan allowance and the dentist’s charge will be an out-of-pocket expense for you. You can find out ahead of time if your dentist’s charge is within your plan allowance. Ask your dentist’s office to submit a pretreatment estimate so you can see exactly how the proposed service would be processed and avoid any surprises. MAB applies to services out-of-network on plans 1-3, and Type 1 services on plans 4-9.
  • MAC: The My Dental Plan is a maximum allowable charge (MAC) plan. The MAC claim allowance is the maximum amount a network provider may charge an Ameritas dental plan member. As a member, if you select an Ameritas network provider, you receive access to discounted fees and are guaranteed your dental fee will be no greater than the MAC limits of your plan.     MAC applies to services in-network on plans 1-3, and Type 1 services on plans 4-9.
  • MCE: The My Dental Plan coverage for plans 4-9 is maximum covered expense (MCE), sometimes referred to as a “schedule plan.” Type 1 preventive procedures are covered at MAC in-network and MAB out-of-network, while Type 2 and 3 procedures are MCE and are paid based on a set fee or schedule. The schedule is a big list of covered procedures with a maximum dollar amount that Ameritas will pay for each procedure. This helps you know what Ameritas will pay and what your out-of-pocket expenses will be.

Dental Rewards® 

  • You qualify for Dental Rewards by submitting at least one dental claim each year on a My Dental Plan, and keeping total benefits received for that year at or below the plan's annual threshold amount.
  • If no dental claims are submitted during a year, no rewards are earned and accumulated rewards are set to zero. You can begin building rewards again the next year. If you do visit the dentist, but exceed the plan's annual threshold amount, you earn no reward for that year, but accumulated rewards are retained.
  • When you qualify for Dental Rewards by seeing an Ameritas network provider, Ameritas will add a PPO Bonus amount to the annual reward. The PPO bonus is available in most states.

Why do I need dental and vision insurance coverage?

If you are in the market for dental and vision insurance and find yourself asking, "Why do I need it?" consider the advantages to your overall health. Our oral and ocular health can be key indicators in detecting early stages of many health risks and diseases along with preventing many other health issues.

Ameritas understands that your needs are unique

We're committed to finding you the dental and vision plans that meets your needs. Our PrimeStar dental and vision insurance plans offer affordable coverage with instant free online quotes, coverage for individuals 18+ (including seniors), no online enrollment fees and the Ameritas dental network.

 

PrimeStar dental insurance plans also offer:

  • Two dental exams and cleanings per year
  • Up to $2,000 calendar year Maximum Benefit
  • Ameritas ​dental ​network with ​more than ​471,000 access points nationwide
PrimeStar vision insurance plans also offer:

  • One exam each year
  • No waiting periods for immediate coverage
  • VSP or EyeMed networks for the greatest savings