My Dental Plan®

Harmful bacteria in the mouth that are released into the bloodstream can complicate medical issues such as coronary heart disease, stroke and diabetes. Preventive dental visits can reduce bacteria and catch early signs of serious dental issues, which help maintain overall health and save money.

 Ameritas individual dental insurance is an affordable way to maintain dental health when you are not eligible for benefits through an employer.

  • Most plans cover preventive services, such as an annual dental exam and cleaning, at 100%.
  • All plans include Dental Rewards®, which lets you increase the annual benefit maximum each year. 
  • You can visit any dentist, and will almost always pay less out-of-pocket when visiting an Ameritas Dental Network provider.
  • Save on prescription medications at over 60,000 pharmacies across the nation including CVS, Walgreens, Rite Aid and Walmart.
  • Save up to 15% off eyewear frames and lenses purchased at any Walmart Vision Center nationwide.

Getting a quote is easy. Use the secure site to view all 9 plan options and pricing. Just enter a ZIP Code. Each plan provides a different level of benefits to meet member needs. Some plans include orthodontia, vision, LASIK or hearing care benefits.

Additional resources, including frequently asked questions, are available on this site at Resources and FAQ.
  • Preventive services
    • Preventive services include fluoride treatments for dependents under age 14, exams, cleanings, bitewing films and x-rays. Please see the plan details on each plan for the frequency of services covered each calendar year.
  • Plan benefits
    • Plan benefit is how much the Ameritas plan pays and member coinsurance is how much you pay. When you visit an Ameritas Dental Network provider, Ameritas sends payment directly to the dentist. You won’t pay the difference between the dentist’s contracted fee and his or her normal fee (subject to contractual limitations). When visiting an out-of-network dentist, you must pay the difference between what the plan pays and the dentist’s actual charge, and may have to submit the claim. Plan benefits are per calendar year.
    • MABThe My Dental Plan out-of-network allowance is a maximum allowable benefit (MAB). The MAB claim allowance is equal to the lowest contracted fee in your ZIP Code. Any difference between your plan allowance and the dentist’s charge will be an out-of-pocket expense for you. You can find out ahead of time if your dentist’s charge is within your plan allowance. Ask your dentist’s office to submit a pretreatment estimate so you can see exactly how the proposed service would be processed and avoid any surprises. MAB applies to services out-of-network on plans 1-3, and Type 1 services on plans 4-9.
    • MACThe My Dental Plan is a maximum allowable charge (MAC) plan. The MAC claim allowance is the maximum amount a network provider may charge an Ameritas dental plan member. As a member, if you select an Ameritas network provider, you receive access to discounted fees and are guaranteed your dental fee will be no greater than the MAC limits of your plan.     MAC applies to services in-network on plans 1-3, and Type 1 services on plans 4-9.

    • MCEThe My Dental Plan coverage for plans 4-9 is maximum covered expense (MCE), sometimes referred to as a “schedule plan.” Type 1 preventive procedures are covered at MAC in-network and MAB out-of-network, while Type 2 and 3 procedures are MCE and are paid based on a set fee or schedule. The schedule is a big list of covered procedures with a maximum dollar amount that Ameritas will pay for each procedure. This helps you know what Ameritas will pay and what your out-of-pocket expenses will be.

  • Dental network discounts
    • Ameritas Dental Network providers can save you an average of 30% on out-of-pocket costs. Visit and use the Find a Provider link to locate a dentist by ZIP Code or specialty.
  • Dental Rewards ®
    • You qualify for Dental Rewards by submitting at least one dental claim each year on a My Dental Plan, and keeping total benefits received for that year at or below the plan's annual threshold amount.
    • If no dental claims are submitted during a year, no rewards are earned and accumulated rewards are set to zero. You can begin building rewards again the next year. If you do visit the dentist, but exceed the plan's annual threshold amount, you earn no reward for that year, but accumulated rewards are retained.
    • When you qualify for Dental Rewards by seeing an Ameritas network provider, Ameritas will add a PPO Bonus amount to the annual reward. The PPO bonus is available in most states. 
  •  Eyewear savings
    • Save up to 15% off frames and lenses purchased at any Walmart Vision Center nationwide (savings does not include contact lenses or vision care materials). To find a Walmart Vision Center near you, visit
  • Prescription savings
    • You and your covered dependents can save on prescription medications at over 60,000 pharmacies nationwide including CVS, Walgreens, Rite Aid and Walmart. This prescription discount is offered at no additional cost, and it is not insurance. Participating pharmacies will give you your regular health care pharmacy benefit or the prescription discount, whichever saves you more. Find a pharmacy near you.

Plan designs may vary by state and not all plan designs are available in all states. My Dental Plans 1, 2 & 3 are available to New York residents. View New York plan options.

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This information is provided by Ameritas Life Insurance Corp. (Ameritas Life) and Ameritas Life Insurance Corp. of New York (Ameritas of New York). Individual dental and vision products (Indiv. 9000 Ed. 07-16, dates may vary by state) are issued by Ameritas Life in all states other than New York, and by Ameritas of New York in New York. Some states require that producers be appointed with us before soliciting products. To become appointed with Ameritas Life, please call 800-659-2223. To become appointed with Ameritas of New York, please call 800-201-8562. Most plans for groups with 26 or more enrolled lives are administered by Ameritas Life or Ameritas of New York. Billing and eligibility for most plans with 25 or fewer enrolled lives are provided by HealthPlan Services, Inc. Ameritas, the bison design, "fulfilling life" and product names designated with SM or ® are service marks or registered service marks of Ameritas Life, affiliate Ameritas Holding Company or Ameritas Mutual Holding Company. All other brands are property of their respective owners.

© 2017 Ameritas Mutual Holding Company Plans are insured by Ameritas Life Insurance Corp. Individual plans are administered by HealthPlan Services

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