Ameritas Life Insurance and Dental Coverage: What You Need to Know

How Ameritas Combines Life Insurance with Dental Care

Ameritas offers life insurance products that can be paired with supplemental dental plans. The integration allows policyholders to receive financial protection while maintaining access to routine and major dental services. The partnership typically involves a separate dental benefits plan, not a built‑in dental rider, so coverage depends on the specific plan selected.

Types of Dental Plans Available Through Ameritas

Ameritas partners with several dental providers, including Delta Dental and CareFirst. Plans vary from basic preventive packages to comprehensive coverage that includes orthodontics and major procedures. Key features include:

• Preventive care: free exams, cleanings, and X‑rays.
• Basic procedures: fillings, extractions, and root canals at a discounted rate.
• Major procedures: crowns, bridges, and dentures with higher coverage limits.
• Orthodontics: partial coverage for adults and full coverage for children.

Cost Considerations and Premium Structure

Dental plans are priced separately from life insurance premiums. The cost depends on age, location, and chosen benefit level. Typical annual premiums range from $50 to $200 per person. Some employers include the dental benefit as part of a broader health and life package, reducing out‑of‑pocket expenses.

Eligibility and Enrollment Process

Eligibility for the dental component is tied to the underlying life insurance policy. To enroll, applicants must:

• Hold an active Ameritas life insurance policy.
• Complete a health questionnaire for the dental plan.
• Select a dental benefit level during policy renewal or new enrollment.

Enrollment is typically handled through Ameritas's online portal or by contacting a licensed agent.

Benefits of Combining Life and Dental Coverage

1. Streamlined Administration: One point of contact for both life and dental benefits.

2. Cost Savings: Bundled plans often offer discounted premiums compared to purchasing each benefit separately.

3. Comprehensive Health Protection: Protects families against financial loss while ensuring dental health is maintained.

Key Takeaways

Ameritas does not provide a built‑in dental rider within its life insurance policies. Instead, it offers access to external dental plans that can be added to an existing policy. Costs vary by plan level, and eligibility requires an active life insurance policy. For families seeking integrated financial and dental protection, the Ameritas‑partnered dental plans provide a practical, cost‑effective solution.