City Dental Insurance

Ameritas is one of the nation's leading providers of affordable dental and eye care products and services. We are proud that our line of programs helps thousands of groups and individuals achieve and maintain good dental and eye health.

Focused on dental and eye care insurance excellence, Ameritas Group is a trusted partner to Americans across the country.

Currently, we provide:

  • Dental and eye care coverage for more than 2 million people.
  • Group coverage for over 23,000 employer groups.
  • Annualized in-force dental and eye care premiums/premium equivalent over $580 million
  • Policies in 50 states and the District of Columbia.
Our service goal is always a simple one: To give policyholder claims and questions immediate and accurate attention.
  • More than 2.5 million claims are processed each year.
  • Standard claims processing turnaround time of just 5-10 working days.
  • Dollar accuracy of processed claims exceeds 99%.
  • Our state-of-the-art electronic dental claims system was specifically engineered for processing claims.
  • The ability to process customized deductibles, coinsurance levels, maximums and claim allowances.
  • More than 30 years' experience in group dental.

Ameritas Dental

Dental Plan Summary

 Ameritas - Summary Plan Description

  Coinsurance
Type 1 100%
Type 2 80%
Type 3 50%
Deductible $80/Lifetime Type 2 & 3 Waived Type 1
Maximum (per person) $1,000 per calendar year
Allowance 90th U&C
Waiting Period None

 

  Ortho Coverage
Coinsurance 50%
Lifetime Maximum (per person) $1,000
Waiting Period None

 

Sample Procedure Listing

Type 1 Type 2 Type 3
Routine Exam
(2 per benefit period)
Bitewing X-rays
(2 per benefit period)
Full Mouth/Panoramic X-rays
(1 in 3 years)
Periapical X-rays
Cleaning
(2 per benefit period)
Fluoride for Children 18 and under
Sealants (age 16 and under)
Restorative Amalgams
Restorative Composites
Endodontics (nonsurgical)
Endodontics (surgical)
Periodontics (nonsurgical)
Periodontics (surgical)
Denture Repair
Simple Extractions
Complex Extractions
Anesthesia
Onlays
Crowns
(1 in 5 years per tooth)
Crown Repair
Prosthodontics (fixed bridge; removable complete/partial dentures)
(1 in 5 years)

Pretreatment

While we don't require a pretreatment authorization form for any procedure, we recommend them for any dental work you consider expensive. As a smart consumer, it's best for you to know your share of the cost up front. Simply ask your dentist to submit the information for a pretreatment estimate to our customer relations department. We'll inform both you and your dentist of the exact amount your insurance will cover and the amount that you will be responsible for.

Dental Rewards

This dental plan includes a valuable feature that allows qualifying plan members to carryover part of their unused annual maximum. A member earns dental rewards by submitting at least one claim for dental expenses incurred during the benefit year, while staying at or under the threshold amount for benefits received for that year. Employees and their covered dependents may accumulate rewards up to the stated maximum carryover amount, and then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan member doesn't submit a dental claim during a benefit year, all accumulated rewards are lost. But he or she can begin earning rewards again the very next year.

 

Annual Maximum for Type 1, Type 2 and Type 3 Procedures $1,000
Annual Benefit Threshold (not exceeding this amount) $500
Annual Carry Over/Reward Toward Next Benefit Year $250
Next Benefit Year's Annual Max Plus Carry Over/Reward $1,250

Maximum Carry Over/Reward is unlimited (additional accumulation toward annual maximum).