How Does Ameritas Dental Insurance Work?
You know that if you want to have good oral health, you need to maintain regular appointments with the dentist in addition to your good hygiene habits at home. You also know that dental care without any insurance coverage can be expensive when it comes to preventative care, not to mention how expensive emergency care can be. Taking the time to understand Ameritas Dental Insurance plans will help you maximize benefits and avoid unexpected costs. All their plans are designed for individuals, families, and employers to get dependable coverage that prevents serious problems and restores good oral health.
The basis for all Ameritas Dental Insurance Plans is the coverage of preventative care. The policies stress routine checkups, cleanings, and diagnostic exams because they are crucial to keep your mouth as healthy as possible. Preventive services are often fully covered by the insurance company, so you will not need to worry about having to cover the full cost of cleanings or X-rays. Instead, you may have no costs you need to cover or a small copay at the time of service. Being able to know how much you are going to spend before you go to the appointment helps you maintain your budget and maintain these regular appointments. When your dentist is consistently reviewing your gums and teeth, any changes are easier to catch and are less likely to become bigger ones.
During your regular exams, the dentist may find that you need a filling, an extraction, or just a simple dental bonding treatment. Many Ameritas Dental Insurance plans offer partial coverage for these basic services. Your plan may have a deductible, or a predetermined amount of money you need to spend every year before the insurance starts to offer coverage. After your deductible is met, Ameritas will cover a percentage of costs, and you will be responsible for the remainder. The level of coverage depends on the plan you choose. The structure typically includes coinsurance rates over shared expenses between you and the insurer.
Your Ameritas Dental Insurance plan may include coverage of surgical procedures, dentures, root canals, and dental crowns. If you know that you will likely need one or more of these treatments, then you may want to review which Ameritas plans offer this coverage. These treatments usually cost you more money out-of-pocket than preventive or basic care, but the insurance company will cover a portion of the cost after you have met your deductible. The amount that the insurance company covers after your deductible has been met for the year is called coinsurance. For major services, the coinsurance percentage is usually lower than for basic care. Yet, having coverage ready makes the impact on your budget smaller since you are not paying the bill alone.
Ameritas Dental Insurance has many in-network dental providers, or participating dentists, that accept their insurance plans. Once the dental care provider has negotiated rates with the insurance company for the different preventative and restorative treatments, then the dentist can expect to be reimbursed by the insurance company at that rate. You should find that choosing a dentist who is in the Ameritas network is easy. You still can visit an out-of-network provider, but you will be responsible for covering the costs that are not paid by the insurance company.
If you have more questions about Ameritas Insurance or how it could work as a part of your treatment plan to achieve better dental health, make an appointment with the dentist to see if Ameritas Insurance is the best option for you.
Learn more about what to expect during your visit and payment options.