How much does Ameritas dental insurance cover?
Ameritas dental insurance typically covers a percentage of your dental expenses, usually ranging from 50% to 80%, depending on the type of treatment you receive and your specific plan. The remaining amount not covered by the insurance is the patient’s responsibility to pay.
1. What types of dental treatments does Ameritas dental insurance cover?
Ameritas dental insurance typically covers preventive care such as routine cleanings, exams, and X-rays, as well as restorative procedures like fillings, crowns, and root canals. Some plans also cover orthodontic treatment and oral surgery.
2. Does Ameritas dental insurance cover cosmetic procedures?
Most cosmetic procedures, such as teeth whitening and veneers, are usually not covered by Ameritas dental insurance. However, some plans may cover certain cosmetic procedures if they are deemed necessary for oral health reasons.
3. Are there waiting periods for coverage with Ameritas dental insurance?
Many Ameritas dental insurance plans have waiting periods before certain treatments are covered. For example, there may be a waiting period for major procedures like crowns or bridges, while preventive care is typically covered immediately.
4. Does Ameritas dental insurance have annual maximum limits?
Yes, Ameritas dental insurance plans often have annual maximum limits on the amount of coverage they provide. Once this limit is reached, the patient is responsible for paying for any additional dental expenses.
5. Can I choose my own dentist with Ameritas dental insurance?
Ameritas dental insurance is designed to work with a network of dentists, but many plans also offer coverage for out-of-network providers. Patients may have the option to choose their own dentist, but staying in-network usually results in lower out-of-pocket costs.
6. Are pre-authorizations required for certain dental procedures with Ameritas dental insurance?
Some dental treatments, particularly major procedures like crowns or oral surgery, may require pre-authorization from Ameritas dental insurance before they are covered. It is important to check with the insurance company or your dentist before scheduling these types of treatments.
7. Does Ameritas dental insurance cover emergency dental treatment?
Yes, Ameritas dental insurance typically covers emergency dental treatment for issues such as severe tooth pain, broken teeth, or other dental emergencies. Coverage may vary depending on the specific plan you have.
8. Are dental implants covered by Ameritas dental insurance?
Dental implants are considered a major dental procedure and may not be fully covered by Ameritas dental insurance. Some plans may offer partial coverage for implants, while others may not cover them at all.
9. Does Ameritas dental insurance cover braces for adults?
Some Ameritas dental insurance plans offer coverage for orthodontic treatment, including braces for adults. However, coverage for braces may vary depending on the specific plan and may have age restrictions.
10. Can I purchase standalone dental insurance from Ameritas?
Ameritas offers standalone dental insurance plans that can be purchased separately from other types of insurance coverage. These plans typically provide coverage for preventive, basic, and major dental procedures.
11. Do Ameritas dental insurance plans have deductibles?
Yes, many Ameritas dental insurance plans have annual deductibles that must be met before the insurance coverage kicks in. The deductible amount varies depending on the plan you choose.
12. Can I add dependents to my Ameritas dental insurance plan?
Yes, Ameritas dental insurance plans often allow policyholders to add dependents, such as spouses and children, to their coverage. Adding dependents may result in additional premiums and coverage options.