Ameritas Dental Plans

At Ameritas, our approach to dental insurance is simple – plan options to fit your clients needs backed by one the largest dental networks nationwide and award-winning service. It’s really that simple.

Dental insurance for the senior market.

  • Average senior spends $1,154 a year on dental services
  • 71% of employed seniors intend to keep their dental insurance and use it each year*
  • 42% of seniors have no dental insurance currently*
  • Dentists work harder to preserve natural teeth – making dental care throughout retirement even more important

*Gallup Study 2015.

Network for greatest savings.

  • Over 400,000 access points nationwide
  • Over 100,000 unique providers nationwide
  • Ameritas 65+ insureds have a 41% network utilization witha 31% discount average
  • 94% provider persistency

Savings Example

Sample of the average procedure fees utilizing the Ameritas network.
Procedure 80th U&C Network Rate† Day One Cost Day One Savings Year Two Cost Year Two Savings
Cleaning $108 $61 $0 100% $0 100%
Filling $139 $80 $52 62% $16 88%
Crown $1,117 $748 $635 43% $374 66%
Description of benefits shown based on 55379 zip code. Rates vary by location. Benefits based on Advantage Plus II dental plan. †MAC/MAB charge.

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: PrimeStar vision insurance plans also offer:
  1. Two dental exams and cleanings per year
  2. Up to $2,000 calendar year Maximum Benefit
  3. Ameritas ​dental ​network with over ​400,000 access points nationwide
  1. One exam each year
  2. No waiting periods for immediate coverage
  3. VSP or EyeMed networks for the greatest savings
Do I have to use an in-network dentist for your plans?
No, with PrimeStar dental insurance plans, you have the freedom to use any dentist you would like. You do not need to select your dentist from a list of network providers to qualify for benefits and coverage. However, if you purchase a network plan, you have the ability to lower your out-of-pocket costs and receive the greatest savings when you utilize a Ameritas Dental Network provider.
What is the frequency limit for teeth cleanings?
With PrimeStar, you receive two cleanings per year.
How can I look for in-network dentists?
The Ameritas Dental Network features:

  • Discounted fees, typically 30% below average charges in your community
  • Immediate network discounts
  • One of the largest nationwide networks with over 428,000 access points and 111,500 unique providers

Additionally, when you utilize a Ameritas Dental Network provider, your out-of-pocket costs may be lower because they have agreed to a negotiated fee for covered services.

How long will the enrollment process take?
Enrollment materials will be emailed or mailed to you within 7-10 business days of a completed application, depending on the selection made during the enrollment process.
What are waiting periods?
This is the time a member must wait from the effective date of coverage for certain procedures to be covered. These are different for each plan. We offer plans with no waiting periods.
I haven’t heard back on the status of my application, how do I check the status?
Please call our Administrative Team at (312) 726-6565 or email us at [email protected].
What dental plan should I choose?
Some dental plans may work better for you or your family.  Here are a few questions to ask yourself, while reviewing plans:

  • Are there waiting periods for certain procedures?
  • Does this plan require you to use a network of dentists or can you use any dentist you choose? If the plan has a network, what dentists participate in the plan’s network?
  • If I used a dentist outside the plan’s network, what will the benefits be?
  • Does the plan charge an enrollment or application fee?
  • Is there a deductible on the plan?
  • What is the annual maximum?
We can help you to figure out the right plan for you. Download our Plan Comparison Worksheet to help you compare plans.
How do I order an ID card or order a replacement ID card?
Contact our Administrative Team at 800.659.2223 or email us at [email protected].
How do I submit a dental claim?
Dental claims are submitted by dental providers electronically. Claims can be submitted to Ameritas at:

Group Claims
PO Box 82528
Lincoln, NE 68501

or by email via [email protected].

What happens when I reach the end of my coverage period?
At the end of your coverage term, you will receive a renewal letter. At that time you will have the option to continue your coverage or terminate your policy.

Call us at (3120 726-6565 with any questions.

Apply Online Now

  1. Savings for using the Ameritas network
  2. Still have the freedom to use any dentist you would like
  3. Instant free online quotes
  4. Coverage for individuals 18+ (including seniors)
  5. No online enrollment fees
  6. Optional vision add-on