Dental, Vision, Hearing Plans

The Ameritas plans provide worthwhile benefits as long as you use in network providers. 

• It is strongly encouraged that you use an in network provider with these plans.  In network providers have agreed to a negotiated rate for their services.  You simply pay your coinsurance for the service (varies based on service).  They cannot balance bill you for anything above the negotiated rate.

What happens if I see an out of network dentist?

• With Ameritas, if you use an out of network provider, your reimbursement will be based on Maximum Allowable Benefit (MAB), which is equal to the lowest contracted fee in your ZIP Code.  If your dentist does not participate with the network, this will be considerably lower than what they charge and you will be billed the difference.

Dental Benefits

• 2 – 4 different benefit levels available depending on your state of residence.
• Premiums range from approximately $17/month – $50/month depending on your benefit level and state of residence.

Vision Benefits

• Coverage is voluntary
• Choose from the popular Eyemed network or the VSP network
• Premiums range from $10-17/month

Hearing Benefits

• Up to $400 in benefits available (once every 5 years)
• Only available on certain plans- included at no extra cost

We recommend Aetna if your dentist does not participate with the Ameritas Network. 

• While you are not required to use an in-network provider, you will have lower costs for services if you do. Aetna utilizes the Careington network (click to search providers).

What happens if I see an out of network dentist?

• Aetna does NOT require that you use a network dentist.  If you use an out of network provider, your reimbursement will be based on Usual and Customary charges (average rate for that service in your geographic area).  If your dentist charges more than the “average” rate for services, you may be billed the difference.

Aetna provides 2 plans to choose from:

Dental Vision Hearing Plan

• Covers up to 80% of Preventive and 60% of Major Services
• Up to $200/year for Vision
• Up to $500/year for Hearing
• View Brochure
  • Plan benefits and premiums may differ by state, please contact HTA for exact plan information and premiums available in your state.  Not available in CA, DC, HI, MA, ME, MN, MT, NC, NH, NY, RI, VA, WA. Please contact HTA if you live in one of these states to discuss other options.

Approximate Premiums (premiums vary by state):

Dental Vision Hearing PLUS Plan

• Covers up to 100% of Preventive, 80% Basic and 50% of Major Services
• Choice of annual benefit maximum
• Up to $200/year for Vision
• Up to $500/year for Hearing
• View Brochure
  • Plan benefits and premiums may differ by state, please contact HTA for exact plan information and premiums available in your state.  Not available in CA, DC, HI, IN, MA, MD, ME, MN, MT, NC, NH, NJ, NM, NY, RI, VA, WA.  Please contact HTA if you live in one of these states to discuss other options.

Approximate Premiums (premiums vary by state):

*Premiums and benefits vary by state and plan availability.  Please schedule a Dental Insurance Consultation with an HTA Representative to review your exact costs and benefits.

The Ameritas provides stand alone vision benefits in most states. 

Vision Benefits

• Choose from the popular Eyemed network or the VSP network
• Premiums range from $10-17/month

See above for dental insurance

 

Ameritas– Add Vision benefits at an extra cost

Aetna– Vision benefits included at no additional cost