What Ameritas dental plans offer
Ameritas provides dental for both group and individual clients, with options to add vision (EyeMed or VSP), hearing, LASIK, and even student loan repayment as plan enhancements. Group designs are highly customizable—claim allowance type (U&C, MCE, MAC), deductible structures, incentive coinsurance, orthodontia (child or adult), and benefit rewards that increase members’ available dollars when they use care prudently. Individual “PrimeStar” plans feature day‑one dental coverage, location‑based rates, and optional add‑ons like implants, whitening, child orthodontia, and hearing benefits. Network access is broad, with one of the nation’s largest dental networks, including providers in the U.S. and Mexico, delivering typical 25–50% savings at network dentists.
Group plan highlights
Employers can mix plan elements (deductible waivers for preventive, incentive coinsurance, separate in/out‑of‑network levels), choose annual or plan‑year maximums, and bundle vision through VSP or EyeMed or offer no‑network reimbursement. Small groups (3–100) can be quoted online; medium/large groups get tailored designs. Benefit rewards programs help members stretch annual maximums.
Individual plan highlights
PrimeStar individual plans emphasize next‑day coverage, flexible vision add‑ons, and extras like implants and hearing. Seniors can enroll online with the option to visit any provider, while still getting typical 25–50% savings in‑network. Ameritas underscores award‑winning U.S. call centers and nationwide reach (12.9M+ covered).
Why this benefits insurance agents
- Ameritas gives brokers a clear portfolio across segments with producer portals for quoting and case management, marketing materials, and APIs (via Noyo) to streamline enrollment accuracy.
- Agents can sell small‑group dental/vision online—even as guests in most states—and receive automatic credit for individual sales via a unique shopping link.
- Large networks and recognizable vision partners simplify the value story.
- Rewards programs, orthodontia options, and customizable plan levers provide compelling differentiation for presentations and renewals.
Why this benefits customers
- Members gain predictable dental coverage with options that grow over time through rewards, broad provider choice, and cost savings from network discounts.
- They can bundle vision and hearing for convenience, include orthodontia when needed, and, on individual plans, start benefits quickly with day‑one/next‑day coverage.
- Strong customer service and accessible online accounts help with claims, ID cards, and provider lookups, reducing friction long after enrollment.
Key considerations
- Benefits vary by plan and state; confirm claim allowance type, incentive coinsurance schedules, maximums, and orthodontia eligibility before quoting.
- Network savings are significant; steer members to in‑network dentists for typical 25–50% reductions while preserving out‑of‑network choice.
- Use producer tools for small‑group guest quoting, case updates, commissions, and marketing support to reduce admin time and speed sales.
Explore Ameritas dental and vision
- Group products overview: Dental and Vision for Group Clients ↗.
- Broker overview and tools: Offering Dental and Vision Plans ↗.
- Individual PrimeStar shopping: Ameritas MyPlan ↗.
- Businesses overview: Dental and Vision Plans for Businesses ↗.