Ameritas Dental Insurance Reviews: A Comprehensive Guide

Image of Ameritas Dental Insurance Reviews
Ameritas Dental Insurance Reviews | photo courtesy | Canva Source: Facebook

 

Are you looking for an Ameritas Dental Insurance plan that suits your needs and budget?

You may want to look into Ameritas dental insurance, as they are a top dental coverage provider in America.

This article gives an overview of Ameritas dental plans, going over the positives and negatives, customer commentary and experiences, as well as how they handle claims and support policyholders.

By summarizing what Ameritas offers, you’ll get a sense of whether their dental insurance fits your needs or not by the end.

The goal is to equip you with enough details to discern if Ameritas is a viable option for your situation.

About Ameritas Dental Insurance

Ameritas started as a mutual insurance company in Nebraska in 1887.

Today, they provide a variety of offerings, including health, life, dental coverage, financial products, and employee benefits. Independent rating agencies give Ameritas strong marks for financial strength and performance.

For dental insurance specifically, Ameritas has plans for individuals and families or customized employer offerings.

Their dental policies cover preventative, basic, and major dental services based on the selected plan. Policyholders can also access discounts on prescriptions, vision care, and eyeglasses.

So Ameritas has over a century of insurance experience plus good financial ratings, and they offer dental benefits with nice extras like discounts on other healthcare services.

What are the pros and cons of Ameritas Dental Insurance?

Like any dental insurance, Ameritas plans have pros and cons to weigh. Some key points:

Pros

  • A large national network with over 400,000 dentists. Go in-network and save or choose any dentist out-of-network.
  • There are no waiting periods for preventative and basic dental care. Some plans also offer this for major services. Get the treatment you need right away.
  • Dental Rewards roll over the unused annual maximum to the next year if you spend under the maximum. Build coverage over time.
  • The vision package includes dental, vision, and hearing services with no waiting periods. Discounts on eyeglasses too.
Image of the Pros of Ameritas Dental Insurance?
An Image of the Pros of Ameritas Dental Insurance? | Photo courtesy | Insurance Guide

 

Cons

  • $50 per person is deductible on all plans to meet first before coverage kicks in.
  • Annual maximums, ranging from $500 to $2,000, cap each year’s benefits. You cover additional costs out of pocket.
  • Coinsurance percentages vary. You cover 10 to 50% of the cost depending on the plan and service.
Image of Cons of Ameritas Dental Insurance
Image of Cons of Ameritas Dental Insurance | photo courtesy | insurance guide

 

Is Ameritas Dental Insurance a good company?

With over 130 years in the insurance industry, Ameritas Dental Insurance has a trusted reputation and financial stability.

According to recent customer reviews, Ameritas earns mixed feedback on its dental plans. One review site gave them 4.3 out of 5 stars based on 61 comments praising the plan options, service, and claim handling.

However, some felt availability was limited or costs were too high for the coverage.

Another review platform scored them lower, at 1.8 out of 5 stars across 31 user reviews.

Positive feedback cited flexibility, benefits, and provider networks, while negative issues mentioned poor communication, billing problems, and denied claims.

So while Ameritas has good ratings on service, support, and options, actual customer experiences with benefits, access, and affordability vary.

Is Ameritas Dental Insurance a good company?
Is Ameritas Dental Insurance a good company? (Photo courtesy of Insurance Guide)

 

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How does Ameritas Dental Insurance work?

Ameritas dental insurance helps pay part of your dental care costs after meeting the plan deductible and coinsurance.

Different plans have varying coverage levels and cost-sharing options to select from. You can visit network dentists or out-of-network ones if you prefer.

To enroll, you can sign up online, over the phone, or through the mail.

After joining, access your account, search for dentists, check benefits details, or file claims via the Ameritas website or mobile app.

Reach out to their team by phone, email, or mail as needed with any questions or issues.

Ameritas Dental Insurance Regulatory Compliance

Ameritas Dental Insurance follows state regulations wherever it operates.

They adhere to federal and state insurance industry laws, including the Affordable Care Act, HIPAA, and ERISA.

Ameritas also upholds the insurance industry’s ethical standards and best practices.

These include the American Council of Life Insurers‘ Code of Ethics, the National Association of Insurance and Financial Advisors’ Principles of Fair Conduct, and the American Institute of Certified Public Accountants’ Code of Professional Conduct.

So they comply with all applicable regulations and professional codes.

Ameritas Dental Insurance Customers and AM Best Rating Reviews

Ameritas Insurance gets positive reviews from both customers and independent rating groups.

As covered earlier, consumers gave them mixed feedback on two sites: 4.3 out of 5 stars on one platform and 1.8 out of 5 on the other.

Additionally, the Better Business Bureau handed Ameritas an A+ rating, signaling their dedication to resolving issues and supplying quality service.

Another firm, A.M. Best, scored them with an “A” (excellent) designation that evaluates financial strength and ability to pay claims.

So while individual experiences vary in customer reviews, respected agencies like the BBB and A.M. Best give high ratings to Ameritas Dental for service, complaint resolution, and financial performance.

Ameritas Insurance Claim Process and Customer Service Review

Filing claims with Ameritas Insurance is straightforward, with options to submit online, by mail, or by fax. You can also track the claim status through their website or app.

Once Ameritas receives and processes a claim, payments are typically delivered within 10 to 14 business days.

Contacting their customer service team by phone, email, or mail allows them to resolve any claims or benefits questions.

Ameritas Insurance customer support specialists are friendly, helpful, and available Monday-Friday, 7 AM-11 p.m. Central Time.

Conclusion

Ameritas plan offers quality coverage with options for varying needs and budgets.

Their robust national network, prescription and vision discounts, and strong customer ratings make them a solid contender.

Benefits include flexible plans, personalized employer offerings, no waiting periods for some services, and the ability to build coverage over time.

However, customers cite concerns around deductibles, reimbursement rates, annual maximums, surprise claim denials, and billing issues. As with any insurance plan, the fine print matters.

Compare multiple Ameritas plans thoroughly, alongside competing insurer options. Evaluate costs, coverage, and customer experiences.

This ensures finding the best dental insurance fit for your unique situation and priorities. While Ameritas has competitive advantages, its plans still may not meet every individual’s Ameritas insurance needs.

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