Archive for Month: April 2017
Ameritas Dental Insurance Plans
Ameritas offers affordable dental and vision insurance plans for individuals and families. Ameritas plans have several options available so the insured can tailor them for a perfect fit. There are two different dental plans under the Advantage Plus umbrella. The PrimeStar vision plans offer different levels of coverage under either VSP or EyeMed, the two top providers of vision plans in the US. Listed below will be details of the coverage Ameritas offers. Plan benefits can vary slightly from state to state.
Save Money with the Ameritas PPO Dental Insurance Plan
The Advantage Plus II plan allows you to utilize an Ameritas Dental Network dentist for additional savings. This plan provides graduated coverage, so the percentage paid by the insurer increases each year. You are able to select this plan either with or without orthodontic coverage for those up to age 19. In general, the Ameritas Dental Network also provides the following benefits:
- Discounted fees of up to 30%
- Immediate in-network discounts
- One of the largest dental networks nationwide
The Advantage II Plus Network plan specifically offers the following benefits:
- 100% Preventative Care
- A minimum of 35% and up to 80% of basic services
- A minimum of 15% and up to 50% on major services
- A minimum of 15% and up to 50% on Orthodontics (optional)
Preventative services include two exams, cleanings and x-rays per year and fluoride and sealant treatment for patients under 16 years old. The annual calendar year deductible for all services is only $50, and orthodontic coverage has a lifetime maximum of $1,000.
Basic services include fillings and simple extractions and major services include many different services as listed below:
- Oral Surgery
- Panoramic x-rays
Choose ANY Dentist with Ameritas Advantage II Plus Plan
The Advantage II Plus plan offers the same level of coverage listed above and also allows patients to choose ANY DENTIST, however, additional savings apply when using an in-network provider.
Not all dentists are listed in a PPO network, so if your dentist does not accept insurance, it does NOT mean you can’t use insurance. The Ameritas Advantage II PLUS plan offers enhanced benefits, so you can still submit dental claims to Ameritas. Many dentists who do not accept PPO dental insurance will even help you turn in a claim to Ameritas. After all the the dentist does want your business!
VSP Vision Insurance through Ameritas
Vision plans are also available. PrimeStar Select Vision offers benefits through any EyeMed Access provider. The plan has no waiting periods and offers a vision exam once per year. Co-pays apply for in-network coverage and out of network providers are given allowance amounts. Lens enhancements are also available in-network with an additional co-pay ranging from $15 to $65 and enhancements outside the standard scope are offered at a discounted rate. The plan also provides additional discounts after the plan amounts have been exhausted, and the balance of any uncovered charges such as designer frames. Discounts are also available for Lasik procedure(s). The standard benefits are as follows:
- Contact Lenses
- Single vision, bifocal, and trifocal lenses
- Lenticular lenses
PrimeStar Choice Vision is designed for use in the VSP Vision Care Provider network. In-network services require a copay and out of network coverage is also provided with an allowance. Most lens enhancements are not given an allowance, with the exception of standard progressive lenses. The plan also provides additional discounts for items that exceed the coverage amounts and an additional $25 discount on selected frames. Discounts are also available for elective procedure(s) such as Lasik vision correction. The benefits are as follows:
- Contact Lenses
- Single, Bifocal and Trifocal lenses
- Lenticular lenses
Lens enhancements can be purchased with additional co-pays ranging from $16 to $50, and other enhancements outside the typical coverage level are available at a discount.
Please note that coverage(s) and amount(s) may vary based on location and the exact level of coverage(s) selected. Ameritas will gladly provide a quote from an expert based on location and the level of coverage(s) required. Having great insurance doesn’t have to be a complicated task, Ameritas experts are able to be reached by telephone, live chat or e-mail. Check on Ameritas Dental and Vision Quotes!
What is the Best Dental Insurance Plan For Me
While there is not a Best dental insurance policy, their certainly is a Best dental insurance policy for YOU! Our office as spoken to tens of thousands of dental shoppers and with no doubt some plans will work better for you and your family than others. Plans differ primarily in how much you’ll have to pay monthly for your coverage and how much you’ll have to pay when dental services are performed. Most policies require that you pay a co-pay for basic or major services, or meet a specific deductible before the dental insurance begins payment. Other policies limit coverage to a specific dollar amount maximum per year.
However, the main place to start is with your dentist. To be honest most dentists are not even 100% certain of which policies they take and they do not take. This is because a company like Aetna, Anthem, Cigna, and United Healthcare have dozens of different PPO networks. For that simple reason, we strong recommend you work with our office, so we can see which policies your dentist prefers. We do this by checking with numerous insurance companies. As a consumer this access is not readily available to you, so we do the legwork on our end.
When shopping dental insurance, here are questions to ask yourself:
- How much can I afford or would like to spend on monthly basis?
- How much is the deductible?
- Once the deductible is met, how much will the policy pay for my services?
- What dentists participate in the plan’s PPO network?
- Are these dentists that my family and I would like to see?
- Am I willing to change my dentist if it means saving money?
- If I used a dentist outside the plan’s network, how much will I have to pay?
- Are some plans better than others of out of network?
- Are there waiting periods for certain procedures? How long can I wait?
Rather than trying to figure all this out on your own, it is advised to simply get a quote with us and we can help you narrow down your options.
Anthem Blue Cross Blue Shield Dental Insurance Can Help You
Dental health is a vital part of your overall health care. So much so that symptoms of nine out of ten diseases show up first in your mouth, which acts as an early warning sign of general health problems. That is why it is so essential that you have regular dental checkups.
Because your dental health is such an essential part of overall health care, it follows that you should have adequate dental health insurance.
It follows, too, that you should choose Anthem Blue Cross Blue Shield dental insurance.
Here’s why Dental Insurance is purchased through Anthem.
Full preventive coverage is available through Anthem
Many of our plans cover you fully for X-rays, examinations and teeth cleaning. You need not be concerned about additional costs or be hesitant about having your teeth checked regularly. All those expenses are fully covered, providing you with peace of mind from the first day of coverage.
Multiple Dental Plan Choices
You can choose to obtain a dental plan that is part of your overall health care plan or you can obtain a dental plan that is separate from a comprehensive plan. You might find that a separate plan is advantageous to your needs as it offers more choices and more benefits. Your decision depends to a great degree on how you apply for coverage and how you are billed.
Among your choices for a dental health plan are:
- Anthem Dental Family Value
- Anthem Dental Family
- Anthem Dental Family Enhanced
- Dental Smart Access
- Added discounts available on all services
Anthem has one of the most extensive preferred provider organizations (PPO) networks in the nation. Although you are permitted to see any dentist under our plans, choosing a dentist from our network provides you with many benefits. Among those benefits is that we are able to obtain deep discounts for you that range from 25 percent to 32 percent.
Because we have negotiated these rates with our network doctors, they cannot charge you more than these rates. If you choose a network dentist, you pay that dentist your deductible and the percentage that your insurance does not cover. As a result, you save on paperwork because the dentist sends your claims to us directly and we pay the dentist directly.
If you choose a non-network dentist, however, you pay the dentist your deductible, the percentage not covered by your insurance, and the difference between what the dentist charges you and the full amount that we permit to be paid for a dental service. You or your dentist may submit your claims to us and we pay you or your dentist for covered costs.
Because non-network dentists do not have contracts with us, they are able to charge you the difference between the amount we permit for a service and the amount they normally charge, in addition to your coinsurance or deductible. The result is that you pay higher amounts for services from non-network dentists.
Online Dental tools to assist you further
Our services to you go beyond seeing a dentist. We offer you an advice service that you can access via the Internet. Once you are a member, you can log on to anthem.com to access these tools. Click Here to enroll in Anthem Dental.
Here are three of our great online tools that will enable you to gain a better hold on your dental health.
– Ask a Hygienist
You can email your questions to licensed dental professionals who will provide you with fast, personal and private advice at no extra charge.
– Dental Cost Estimator
This tool enables you to obtain estimated costs for your dental work in your area. You simply enter the ZIP code of the area in which you obtain your dental care.
– Dental Health Assessment
In this tool, we ask you a few questions. Based on your responses, we provide you with information that will advise you on action that you should take in order to maintain proper dental health.
Health care reform and pediatric benefits
Under the Affordable Care Act (ACA), all Americans are required to carry a minimum amount of health insurance. Among these requirements are a list of 10 health benefits that health insurance carriers must cover. One of those 10 benefits is pediatric services.
In some states, these services must be included in ACA-compliant plans sold on the Marketplace (also called the Exchange). In other states, however, the benefits can be offered in medical plans off the Marketplace or through a stand-alone policy sold with a medical plan.
Almost all our plans have included pediatric dental coverage since January 2014.
You can obtain this coverage either through a medical plan or through an independent plan such as Anthem Blue Cross Blue Shield Dental Insurance.
If you are eligible for financial aid to assist you in obtaining medical coverage, you are required to obtain your medical plan through the Health Insurance Marketplace. If you are ineligible for financial help and you require a dental plan, you are not required to obtain it on the Health Insurance Marketplace. You can continue to obtain coverage as you have in the past through an agent or directly from an insurance company.
You may find the plans that are not provided through the exchange offer more selections. For more details contact us or view Anthem brochure