Ameritas is known in the insurance industry as a top provider of dental insurance and sometimes called "the biggest company you've never heard of."
Ameritas if a mutual organization, meaning it is owned by its policy holders. parent company of Ameritas Mutual Holding Company has subsidiary companies including Ameritas Life Insurance Corp. (Ameritas Life) and Ameritas Life Insurance Corp. of New York (Ameritas Life of New York). As of 2018, Ameritas Life and Ameritas Life of New York had approximately $1.7 billion in total adjusted capital with a surplus/assets ratio of 11.3 percent – about 23 percent higher than the industry average.
- A.M. Best – “A Excellent”
- Standard & Poor’s (S&P) – “A+ Strong”
In the customer service arena, Ameritas also gets top rankings with an “A+” rating with the Better Business Bureau for Ameritas Life Insurance Corporation. Its BBB file was opened in 1921 and has also been accredited since that date. The Consumers Advocate gives Ameritas Dental Insurance 8.6 out of 10 stars for an excellent rating. Ameritas Dental Insurance also has a claims call center that has won numerous awards.
Ameritas Dental Plans, Benefits and Discounts
- Managed Care/Provider Network: By choosing a dental provider from the managed care/provider network, you realize additional savings for dental services.
- Orthodontia: Orthodontic care is a feature that can be added to other benefit packages at an additional premium.
- High/Low: High/low plans give members options of two reimbursement levels for dental procedures (high or low) to provide the most flexibility when choosing an affordable dental policy premium.
Pros and Cons
Ameritas has excellent financial strength ratings and is known in the industry as a top provider of dental insurance. Award winning claims and customer service are two great reasons to consider Ameritas when looking for dental insurance for you and your family. Several attractive discounts are available and you can roll over part of your unused coverage to the next policy year.
Ameritas Dental plans offer:
- No enrollment fees
- 30 day customer satisfaction guarantee
- Dental coverage for individuals 18+, including seniors
- Two dental exams per year
- Up to $2,500 annual maximum (varies by state)
- Optional vision coverage
- The Ameritas Dental Network provides over 428,000 access points nationwide
The greatest savings comes with the plans offering the most services and procedures. Those needing only basic coverage may not receive the best savings or discounts and may be better paying out of pocket than needing a dental plan.
A perfect example of why we need universal healthcare in this country. After hours of searching for the best network (best option is always $2000 a year in coverage around 50$ a month covering 50% of care after 6month-1yr wait periods so if you have $4000 worth of work done in a year within the covered time you save 1,200$ btw, everywhere you go it's that tiny bit of coverage for a ton of headache what a wonderful illusion of choice)
I chose this service which advertises that they 100% cover preventative care including check ups, cleaning, x rays after a yearly 50$ co pay. Then 6 month waiting period for the above mentioned. After going in for my first check up and x ray to a dentist within their network I receive my claim coverage of 0$. 0$ for the most basic of preventative care from a dentist in their network. So absolutely no service for the service advertised and paid for. I then attempted to get information on why they're garbage by calling, after 20 min of trying to get to a representative they hang up on me on "Hello" before I can even switch from speaker to phone they have hung up asking me to "take survey" well I let them know there and I'll let everyone know where ever possible.
Insurance companies are bloodsucking middlemen monsters destroying our country, universal healthcare now!
This is not a typical outcome and unheard of. Can you email a copy of any documents (bill, EOB, etc.) to email@example.com so we can review and get back to you?
Zack - this was a simple billing issue from your provider, unfortunately it happens more often than it should, happy we got it resolved.
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