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Ameritas Insurance

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Ameritas Insurance

At Clove Dental, we understand that dental insurance can sometimes be overwhelming, and we’re here to make it as simple as possible for you. As a proud partner of Ameritas Insurance, we are committed to ensuring that you fully understand your benefits, coverage options, and how to make the most of your plan. Whether you need preventive care, restorative treatments, or orthodontic services, we’re here to guide you every step of the way.

Below, we’ll walk you through the specifics of Ameritas Insurance coverage, how you can verify your benefits, and answer some frequently asked questions. Let’s make dental care easy and transparent!

Coverage Details with Ameritas Insurance

Ameritas Insurance offers PPO dental plans designed to support your oral health with comprehensive coverage. Each plan offers varying levels of support based on the type of service you require. Here’s an overview of the general coverage you can expect with Ameritas PPO plans:

  • Preventive Care (100% Coverage)

Preventive care is the foundation of a healthy smile, and Ameritas Insurance recognizes this by covering these services at 100% under most plans. Preventive care includes the following:

  • Routine cleanings (usually twice per year)
  • Exams and diagnostic X-rays
  • Fluoride treatments to protect your teeth from cavities
  • Dental sealants for children to protect their molars

By staying on top of preventive care, you can avoid more expensive procedures down the road, which is why this type of care is fully covered.

  • Basic Care (70%-80% Coverage)

When you need minor dental treatments, such as fillings or extractions, Ameritas provides coverage for basic care at a percentage ranging from 70% to 80%. Services under this category typically include:

  • Fillings for cavities
  • Tooth extractions (including wisdom teeth removal)
  • Scaling and root planing for gum disease treatment

    Most patients will still have a small out-of-pocket cost for these services, but the majority of the cost is covered by your plan.

  • Major Care (50% Coverage)


For more advanced treatments, Ameritas Insurance offers coverage of approximately 50% for major dental procedures. These can include:

  • Crowns to restore damaged teeth
  • Dentures or partial dentures for missing teeth
  • Bridges to fill gaps caused by missing teeth
  • Root canals to save infected teeth from extraction

If your dental treatment falls into this category, you will be responsible for a portion of the costs, but Ameritas will still help cover a significant part of the bill.

  • Orthodontics (Partial Coverage)

Ameritas Insurance PPO plans also offer coverage for orthodontic services, such as braces or clear aligners like Invisalign. Coverage for orthodontics varies based on the specific plan, but it is typically capped with a lifetime maximum. This means that while Ameritas may cover a portion of the cost, there is a set limit on how much the insurance will pay for orthodontic treatment.

How to Verify Your Ameritas Insurance Benefits

Understanding your Ameritas Insurance benefits is essential to ensuring you receive the care you need without unexpected expenses. At Clove Dental, we make the process of verifying benefits easy and stress-free. Here’s how you can verify your coverage:

  1. Contact Our Office

Simply call us at Clove Dental, and our team will help you verify your Ameritas benefits. We can break down what is covered under your plan, including details on co-pays, co-insurance, and any annual maximums.

  1. Use Your Ameritas Member Portal

Ameritas provides a user-friendly online portal where you can easily access your benefits information. By logging into your account, you can view your plan details, check what services are covered, and even find out about any claims status.

  1. Request a Pre-Treatment Estimate

For major procedures, we can submit a pre-treatment estimate to Ameritas on your behalf. This estimate will give you a clear picture of how much of the treatment will be covered by your insurance and what your out-of-pocket costs will be. It’s a great way to plan ahead and avoid surprises.

  1. Consult with Our Insurance Specialists

If you have questions about your coverage or how to maximize your benefits, our insurance specialists at Clove Dental are always available to help. We will explain your coverage in simple terms and assist with the paperwork for claims, authorizations, and more.

PPO Insurance Partners and Network Details

Ameritas Insurance operates on a PPO model, which gives you the freedom to choose any dentist you prefer. However, choosing an in-network dentist like Clove Dental provides you with several advantages:

  • Lower out-of-pocket costs: In-network providers agree to discounted rates with Ameritas, which means you pay less for covered services.
  • Faster claims processing: We submit claims directly to Ameritas, streamlining the process and reducing any delays or paperwork for you.
  • Comprehensive dental care: Clove Dental offers all the services you need, from preventive care to major treatments, ensuring that you can take full advantage of your Ameritas benefits.

Frequently Asked Questions

What does Ameritas Insurance typically cover?

Ameritas Insurance offers comprehensive coverage, with the following services typically included:

  • 100% coverage for preventive care (cleanings, exams, fluoride treatments, etc.)
  • 70%-80% coverage for basic services (fillings, extractions, scaling, and root planing)
  • 50% coverage for major treatments (crowns, bridges, dentures, root canals)
  • Partial coverage for orthodontic treatments (braces, Invisalign), typically with a lifetime maximum cap

It’s always a good idea to verify your specific coverage as benefits may vary depending on your plan.

Can I see any dentist with Ameritas Insurance?

Yes, Ameritas Insurance operates on a PPO model, meaning you can choose any dentist you like. However, if you visit an in-network provider like Clove Dental, you’ll benefit from lower out-of-pocket costs and a more seamless claims process.

Does Ameritas Insurance cover cosmetic procedures?

Cosmetic treatments, such as teeth whitening or veneers, are generally not covered by Ameritas Insurance. However, if a procedure is deemed medically necessary (such as crowns to restore a damaged tooth), it may be covered under the major care category.

How can I lower my out-of-pocket costs with Ameritas Insurance?

To lower your costs, consider staying in-network with Clove Dental, where you’ll get discounted rates for covered services. Additionally, we provide pre-treatment estimates and will guide you through the steps to maximize your plan’s benefits.

Does Ameritas Insurance cover orthodontics for adults?

Yes, Ameritas Insurance PPO plans typically offer partial coverage for orthodontic treatments, such as braces or clear aligners. However, there is often a lifetime maximum on orthodontic benefits, which means the coverage may be limited. Contact us to get specific details about your coverage.

What happens if I exceed my annual coverage limit?

Ameritas Insurance has annual maximum limits for coverage, meaning once you reach this limit, you will be responsible for the remaining treatment costs. However, our team will work with you to manage your treatments and expenses to avoid hitting the maximum too early in the year.

Can I get a refund if I overpaid for my treatment?

If you’ve overpaid for treatment, Ameritas Insurance may issue a refund directly to you. However, this is typically handled on a case-by-case basis, so it’s a good idea to confirm the refund process with our office.

Transparency in Costs: Our Commitment to You

At Clove Dental, transparency is essential to our approach. We want you to know exactly what your dental care will cost before you even sit in the chair. Here’s how we ensure transparency for Ameritas Insurance patients:

  1. Clear cost breakdowns: We provide detailed explanations of what your insurance covers and what you will owe, ensuring no surprises when it comes to billing.
  2. Pre-treatment estimates: For major procedures, we will obtain an estimate from Ameritas to give you a clear picture of your financial responsibility.
  3. Flexible payment plans: If there’s any portion of your treatment that isn’t covered by insurance, we offer flexible payment options to help you manage the cost.

Get Started with Ameritas Insurance at Clove Dental

Understanding your dental insurance coverage is an important step toward maintaining good oral health, and at Clove Dental, we make it easy for you. If you have Ameritas Insurance, we’re here to help you navigate your benefits, ensure you get the best care possible, and offer support every step of the way.

Contact us today to verify your benefits, schedule an appointment, or learn more about how we can help you make the most of your Ameritas coverage. Your oral health is our priority, and we look forward to partnering with you on your journey to a healthy, beautiful smile!

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