Dental
Pick a dental plan you can actually use at your dentist
Annual maximums, waiting periods, and networks decide whether a dental policy helps — or just collects premium.
Dental coverage is separate from most medical plans. Typical designs cover preventive visits at little or no cost, then pay a percentage of basic and major work after a waiting period, up to an annual maximum.
Shop Ameritas dental options here: myplan.ameritas.com/id/010M2044. Choose a plan, then call or text us if you want a licensed agent to walk through waiting periods, the dentist network, and how implants or perio work are treated.
Designs you will see
| Type | Often a fit when | Watch for |
|---|---|---|
| Dental PPO | Keeping your current dentist if they participate, with some out-of-network benefits. | Balance billing out of network. Annual maximums ($1,000–$2,500 is common). |
| DHMO / prepaid | Low copay schedules when you will use the listed dentists. | Little or no coverage outside the list. Referrals for specialists. |
| Indemnity / MAC | Predictable allowances if you understand the fee schedule before major work. | You may owe the difference between the schedule and the dentist’s fee. |
Pros
- Cleanings and exams are usually covered richly so you actually go.
- Spreads the cost of fillings, root canals, and crowns.
- Some plans build toward a higher annual maximum if you stay enrolled.
Cons
- Waiting periods on basic and major services are common.
- Annual maximums cap what the plan will pay in a calendar year.
- Cosmetic work and some implants may be excluded or limited.
- Missing-tooth clauses can deny replacement of teeth lost before the policy.
Bring your dentist’s name and any treatment plan already in hand. We would rather you see the allowed amount before you sit in the chair.
Tell us when you are free to talk.
Text or call and we will compare plans against your situation — then send the details for you to review before anyone enrolls.