Ameritas Dental & Vision Plans — Quotes & Benefits
Bundle oral and eye health with flexible options. Ameritas offers popular PPO dental plans and vision benefits with broad networks and quick effective dates. Compare highlights and typical costs below, then get instant quotes.
Quick facts
| Topic | Fast answer |
|---|---|
| Plan types | PPO dental with out-of-network options; vision benefits with popular retail & independent providers. |
| Preventive dental | Cleanings, exams, and routine X-rays typically covered at 100% in-network. |
| Basic/Major dental | Basic services often ~80% and Major ~50% after any waiting period (varies by plan/state). |
| Annual maximum | Common dental caps range ~$1,000–$2,000; some plans offer annual-max “boosts” over time. |
| Vision highlights | Annual eye exam copay, frame allowance, and contact lens benefits on select tiers. |
| Start date | Quick effective dates available in many ZIP codes; preventive dental typically starts right away. |
| Last updated | October 15, 2025 |
Availability, waiting periods, and allowances vary by state, ZIP, and plan tier. We’ll confirm details during quoting.
Coverage snapshot (what’s included)
Dental PPO
In-network preventive at 100%; Basic and Major coinsurance by tier. Out-of-network allowed (higher out-of-pocket). Check annual maximum and waiting periods.
Vision benefits
Routine eye exam copay, frame or contact lens allowance, lens options by tier. Access to retail & independent providers where available.
Optional add-ons
Orthodontic/implant options may be available on select tiers. Review plan summaries for specifics before enrolling.
Benefits comparison
| Benefit category | Typical Ameritas structure | What to check before you enroll |
|---|---|---|
| Preventive dental | 100% in-network (cleanings/exams/X-rays) | Frequency limits per year; whether fluoride is included |
| Basic dental | ~80% coinsurance after any waiting period | Covered fillings/extractions; composite vs. amalgam rules |
| Major dental | ~50% coinsurance after any waiting period | Crowns/bridges/root canals; implant coverage & lifetime limits |
| Annual maximum | ~$1,000–$2,000 on many tiers | Carryover/rewards features that increase cap over time |
| Vision exam | Copay on most tiers (1× per 12 months) | Exam frequency; included screenings (e.g., dilation) |
| Frames / contacts | Allowance toward frames or contacts each benefit period | Allowance amount; in- vs. out-of-network reimbursement |
Exact coinsurance, copays, allowances, and frequencies depend on the plan tier and your location.
Pricing snapshot (typical ranges)
| Plan tier | Typical monthly premium | What usually changes |
|---|---|---|
| Dental only — basic | $15–$35 | Lower annual max, fewer covered Major services |
| Dental only — comprehensive | $30–$75 | Higher annual max, broader Major coverage |
| Dental + Vision bundle | $40–$110+ | Vision exam copay & larger frame/contact allowances |
| Family tiers | $60–$150+ | Per-member annual max & orthodontic/implant options |
Estimates only. Your actual premium depends on ZIP, age, family size, and plan design. Use the quote buttons above for precise pricing.
How to choose the right Ameritas plan
Quick checklist
- Confirm your dentist/optometrist is in-network for best savings.
- Review waiting periods for Basic/Major dental and any ortho/implant riders.
- Match the annual maximum to expected care (crowns/implants may hit caps fast).
- Compare vision frame/contact allowances to your brand preferences.
- Look for annual-max “rewards” features that increase benefits over time.
Frequently asked questions
Do Ameritas plans cover preventive dental at 100%?
Are implants or orthodontics included?
How do vision frame and contact allowances work?
Can I visit out-of-network providers?
When can coverage start?
Disclosure
Blake Insurance Group LLC is an independent agency. We provide quotes via Ameritas and other carriers. Availability, pricing, and benefits depend on your location and plan selection. Trademarks belong to their owners.
Share This
Customer Reviews
Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent