Dental + Vision

Ameritas Dental Plans

With Ameritas, you have options to fit your dental needs, backed by one of the largest dental networks in the country and award-winning service. It’s really that simple. Ameritas individual dental insurance is an affordable way to maintain dental health when you are not eligible for benefits through an employer.

Plan highlights include:

  • No enrollment fees
  • No waiting periods and additional savings by going in-network
  • You can visit any dentist, and will almost always pay less out-of-pocket when visiting an Ameritas Dental Network provider
  • Discounted fees, typically 30% below average charges in your community
  • Two exams and cleanings per year covered at 100%
  • Up to $3,000 annual maximum benefit amount per person
  • The freedom to choose any dentist or utilize the Ameritas Dental network with over 428,000 access points and 111,500 unique providers
  • Comprehensive coverage for all ages (18+) at a single rate
  • A 30-day customer satisfaction guarantee
  • Dental plans are available to Seniors ages 65+
  • Guaranteed Issue

Enroll Here Click here for a downloadable PDF

Ameritas Plan Designs

With Ameritas, you can choose from 3 coverage levels: PrimeStar Lite, PrimeStar Boost, and PrimeStar Complete with a choice of a $750 up to $3,000 annual benefit.  Members receive great discounts on dental services from in-network dentists and avoid billing “surprises” caused by dentists outside of the network who may charge balance billing (meaning that they bill patients).

Ameritas has been around since the 1800s and is one of the largest dental and vision insurance companies in the United States, covering more than 8 million people. The Ameritas network features more than 425,000 participating providers with deep discounts and rewards that allow you to stretch your money even further. Ameritas is rated A (Excellent) in terms of financial strength and operating performance by AM Best Company.

PrimeStar Lite Plans

  • Up to $750 maximum benefit per person per benefit year
  • Preventative Plus included
  • Plan provides coverage beginning day one

PrimeStar Boost Plans

  • Up to $2,000 maximum benefit per person per benefit year (after one year)
  • Preventative Plus included
  • Coverage on major services starts day one

PrimeStar Complete Plans

  • Up to $3,000 maximum benefit per person per benefit year (after one year)
  • Preventative Plus included
  • Coverage on major services starts day one
  • Up to a $400 hearing aid benefit provided with PrimeStar Complete Plans

The Ameritas Dental Network is one of the nation’s largest. Network providers have agreed to charge 25-50% less than their regular rates, which can lower out-of-pocket costs. Members can visit any dentist, in- or out-of-network. And family members do not need to visit the same provider. Members can find a dental provider at—Find a Provider.

Certain plans and plan options may not be available in all areas. Please visit and enter your ZIP Code to find plans available in your area.

Why do I need dental insurance coverage?

If you are considering dental insurance, you may ask, “Why do I need it?” Consider the benefits to your overall health. The oral and ocular health of an individual can be important sign of detecting  the early stages of many serious health problems, as well as preventing many other health issues.

Ameritas understands that your needs are unique

We’re committed to finding you the dental and vision plans that meet your needs. Ameritas dental 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.

Worried about filling a claim? Don’t be. Ameritas’ claims contact center is excellent. Their customer service motto is to do whatever it takes to ensure their customers receive the care they need. Here are some stats about their contact center:

  • 87% of customer phone calls answered within 30 seconds
  • The phone call abandon rate is only 1.01%
  • 97% of customer dental claims are processed in 9 business days on average
  • Dollar accuracy of processed claims 99.16%
  • The contact center has, over the years, answered 1,383,422 calls and processed 3,733,670 claims
  • 97% of calls have their issue resolved by during the first phone call
How do I know which plans are available in my state?

Plan details, state availability, and other resources can be found on

For a high-level overview, click here to view the dental and vision comparison brochure.

Do I have to use an in-network dentist for your plans?

No, with our Ameritas 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 an Ameritas Dental Network provider.

What is the frequency limit for teeth cleanings?

With Ameritas, you receive two cleanings per year.

How long will the Ameritas enrollment process take?

Once your application is submitted, the effective date begins as soon as the next day.

Enrollment materials will be emailed or mailed to you within 7-10 business days of completing your application, depending on the selection made during the enrollment process.

What is a waiting period?

This is the time a member must wait from the effective date of coverage for certain procedures to be covered. Waiting periods are different for each plan. Ameritas offers dental and vision plans with no waiting periods.

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 would the benefits be?
  • Does the plan charge an enrollment or application fee?
  • Is there a deductible on the plan?
  • What is the annual maximum?
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

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