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Ameritas Dental Insurance Review


ConsumersAdvocate.org Rating: 4.3 / 5 (Excellent)
73 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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73 Customer Comments & Reviews

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trademarcdesigns
2/9/2022
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.

nollenrogers
2/7/2022
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

berrocalesjames
2/3/2022
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?

srjohnaustin
11/29/2021
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....

N
NONEOFYOURBUSINESS
10/7/2021
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

gwalrathgary
8/12/2021
I enrolled my daughter in a dental plan offered by Ameritas Dental through her university. We paid a monthly premium of $28. One year later, when she submitted her first claim of $125 for routine cleaning + $180 for x-rays, the plan reimbursed only $39. Even if the x-ray were totally disregarded, the Ameritas "allowable covered amount" for cleaning is $45, of which they pay 80%. This is very disappointing. Sad to see a major company taking advantage of college students, and their parents who are trying to do their best for their children, in this outrageous manner. Beware. Gary

Gabriela T
7/23/2021
I had a bridge done and they did not pay for it. Now I have a 800 dollar bill (plus the 2000+ I already paid) . I was told the insurance would pay for this!!! All my savings went to this one procedure and now I am still in debt.

alex.givner
3/16/2021
When I think Ameritas, the first word that comes to mind is "incompetence." I have been charged every month for both vision and dental for 2 years, and yet when I go to visit the dentist, I am told that my coverage has been terminated. I have 2 years worth of bank statements (as recently as last month) indicating that I am still being charged for whatever services Ameritas thinks that they are providing. I call the phone number on the card and am put intermittently on hold for 27 minutes by a nice lady only to be told that I need to contact customer service. In addition, one of my bank statements from last year indicates that in one month they charged me for both dental and vision 4... Read More

J
Jenny
2/24/2021
This insurance is horrible. I have the insurance through my work but did not enroll my son after he was of age. As he got older, it became time to take him to the dentist and I found out he had some work that needed to be done. At that time, I elected for family coverage and opted to pay the large family plan bill each month. It was my fault for not reading the fine print. I waited until I thought we had coverage to get his dental work taken care of. The 3 year sliding scale already made the coverage less than ideal but I was expecting that. What I did not expect was the fact that since he was considered a "late entrant" nothing would be covered. Nothing. We have to wait a full... Read More

Jarrel G
11/30/2020
The worst company I've ever dealt with! I was quoted a price for teeth CLEANING & there policy clearly states it covers 80% of major dental & 100% of other dental work including TEETH CLEANING! They only covered $20 for teeth cleaning & claimed it was the way the dental office worded it! When I asked to speak with management they put me on hold forever just to say someone will call back & they NEVER did! This is a scam company & I hope they bankrupt

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  • 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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