My Dental Plan® NY

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.

  • Plans are available that 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 3 plan options and pricing. Just enter a ZIP Code. Each plan provides a different level of benefits to meet member needs. 

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.
    • MAC: The in-network allowance is maximum allowable charge (MAC). 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.
    • MABThe out-of-network allowance is 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. 
  • 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, 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.
  •  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.
Take me to:
It’s never too soon to think about retirement and investing in the future. At Ameritas, we have plans and products that can help you invest and protect you and your loved ones

This information is provided by Ameritas Life Insurance Corp. of New York (Ameritas of New York). In New York, group dental, vision and hearing care products (9000 Rev. 03-15) and individual dental and vision products (Indiv. 9000 NY Ed. 07-16) are issued by Ameritas of New York. Some plan designs are not available in all areas. To be 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 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. © 2016 Ameritas Mutual Holding Company

20/20 Plus