What Are the Types of Dental Insurance Ameritas Offers?
If you are trying to stay healthy and keep up your regular medical, dental, and vision care appointments without insurance coverage for one or all of those, it can feel impossible due to all the expenses that come with the exams and treatments. Dental care can feel easy to avoid when you maintain good hygiene habits at home, but without the oversight of a dentist, you could be letting a small problem become a big one. Gum disease is a good example of a progressive disease that is not painful until it's very advanced. When you treat gum disease in its early stages, it can be stopped and even reversed. You can’t treat gum disease at home; appointments to the dentist are necessary to stay healthy. Dental insurance can reduce financial stress because you are able to have predictable costs that fit within your budget, making dental care more accessible. Ameritas offers a variety of dental insurance options designed to meet different needs as well as budgets, as a well-established insurance provider. Here are some of the types Ameritas offers:
Indemnity Plan - These are a common type of insurance; these plans are flexible. Usually, you can visit any licensed dentist, even if they are outside Ameritas's network. If choosing your own dentist without having to check for participation with your insurance policy is important, this option may work best for you. Reimbursements from the insurance company to the dentist are determined by the usual and customary rates for those treatments in your area. Indemnity plans help to cover a portion of preventive, basic, and major dental procedures. Out-of-pocket expenses may vary and will not be as predictable with these plans.
Preferred Provider Organization (PPO) Plan - These plans are another popular choice because they provide affordable access to a large network of dentists. When you choose a dental provider from within the Ameritas network, you will have lower out-of-pocket costs. Ameritas has negotiated the fees with the dental provider before any treatment takes place. Preventive services such as exams and cleanings are often covered at or near 100 percent. Basic and major service costs are shared through coinsurance between you and Ameritas. If saving costs for your dental care is your priority, this plan will work well for you. It also offers flexibility in addition to the savings.
Dental Health Maintenance Organization (DHMO) Plans - Ameritas also offers plans with a more structured network. You are required to select a primary dentist from the Ameritas participating dental provider network. Because Ameritas negotiates the rates with the participating dentists, the cost for services is lower. Premiums and out-of-pocket expenses are often lower, but the number of providers is more limited than PPO or indemnity options. If you are happy to work within a defined network, then you will benefit from the predicted low costs.
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.