Dental Coverage From Day One—Including Major Services
All three Ameritas dental plan levels include preventive, basic, and major benefits from day one. Depending on the plan, basic services are covered at 50–80% and major services at 10–20% when coverage begins. Compare exact prices and benefits by ZIP code, then enroll securely online.
Bitewing X-rays every 12 months
from day one
from day one
- Basic benefits pay 50–80% from day one, depending on plan
- Major benefits pay 10–20% from day one, depending on plan
- Individual and family plans
- Use any dentist
- Secure self-enrollment
Your exact effective date, covered services, benefit percentages, deductible, annual maximum, limitations, and exclusions are shown in the Ameritas plan details before enrollment.
What Each Plan Covers From Day One
The three Ameritas plan levels differ in price and how much they pay, but all three begin with preventive, basic, and major benefits on the effective date.
Preventive Care
All three plans include two exams and two cleanings every 12 months, plus bitewing X-rays every 12 months, beginning on day one.
Basic Services: 50–80%
Depending on the plan selected, covered basic services are paid at 50–80% from day one. Review the deductible and procedure details before enrolling.
Major Services: 10–20%
Depending on the plan selected, covered major services are paid at 10–20% from day one—without a separate six- or twelve-month waiting period.
Pick the Benefit Level That Fits You
Ameritas keeps the shopping process manageable with three dental plan levels. Enter your ZIP code to see the exact names, premiums, and benefits available where you live.
Basic Coverage Level
A starting point for shoppers focused on affordability and routine care while still wanting day-one major benefits.
Middle Coverage Level
A middle option for shoppers who want a stronger balance between monthly premium, annual maximum, and broader benefits.
Higher Coverage Level
The option to review when higher maximums or added benefits matter more than choosing the lowest monthly premium.
Compare These Four Things
Every option includes day-one preventive, basic, and major benefits. The main decision is whether you want the lower or higher benefit percentages, annual maximum, and monthly premium.
- Monthly premium — what you pay for coverage
- Basic and major percentages — basic pays 50–80% and major pays 10–20% from day one, depending on plan
- Annual maximum — the most the plan pays during the benefit year
- Dentist and network — any dentist is allowed, but network savings may reduce your cost
Enroll Online or Ask Mike for Help
The secure Ameritas portal shows your exact prices and plan documents. You can complete the entire enrollment yourself, or call Mike before choosing if you want help understanding the differences.
Ameritas Dental Insurance FAQs
Do all three dental plans include major coverage from day one?
What routine preventive care is included?
Does day-one major coverage mean Ameritas pays the full bill?
How soon can my coverage begin?
Can I use my current dentist?
Can I enroll without speaking to an agent?
Can I add family members or vision coverage?
See Your Ameritas Dental Plans and Prices
Compare three plan levels with preventive care from day one, basic benefits of 50–80%, and major benefits of 10–20%, then enroll securely online.
Your Insurance Coach is an independent insurance agency and is not Ameritas. Ameritas provides the official plan details, pricing, application, policy administration, and claims service. Coverage is subject to the selected policy's effective date, covered services, deductibles, benefit percentages or schedules, annual maximums, limitations, exclusions, and state availability. Review the official plan documents before enrolling.
No Waiting Period for Covered Major Services
All three plan levels include day-one preventive care, basic benefits of 50–80%, and major benefits of 10–20%, depending on the plan. Enter your ZIP code to compare exact prices and enroll online.
Percentages vary by plan and are subject to deductibles, annual maximums, covered-service definitions, limitations, exclusions, and other policy terms.