Dental Plans
Veterans and CHAMPVA Beneficiaries.
No Waiting Period
You can be Effective Tomorrow
No Annual Contract
VeteransandCHAMPVA beneficiaries havethe opportunity to purchase dental insurance at a great rate. Purchasing a dental plan does not affect Veterans’ eligibility for VA dental services and treatment. Covered services include diagnostic, preventative, surgical, emergency and endodontic/restorative treatment.
Ameritas PrimeStar℠ Dental is offered through MILOPS Insurance Services. It is not a supplement to CHAMPVA and is not affiliated with CHAMPVA. The Ameritas PrimeStar℠ Dental insurance provides Veterans and CHAMPVA beneficiaries the opportunity to purchase dental insurance at a great rate. Purchasing a dental plan does not affect Veterans’ eligibility for VA dental services and treatment.
The Ameritas PrimeStar℠ dental and vision insurance plans offer affordable coverage with instant free online quotes, coverage for individuals 18+ (including seniors), no online enrollment fees and the Ameritas Dental Network.
Ameritas hasno waiting periods,no-application feeplus you can request aneffective date as soon as the next day.
Ameritas FAQ
Please read FAQ below for additional information:
Frequently Asked Questions – FAQ
Q1. Do the plans offer cleanings and exams?
A1: Preventive care includes Two dental exams and cleanings per year.
Q2. Is there a waiting period?
A2: There is no waiting period, plan services can begin as soon as tomorrow.
Q3. When does the plan become effective?
A3: You have the option to make effective as soon as tomorrow or any day of the month.
Q4. Do the plans offer cleanings and exams?
A4: Preventive care includes exams and cleanings (2 years).
Q5. What is the advantage of a network provider?
A5: PrimeStar℠ Advantage brings you Discounted fees, typically 30% below average charges in your community.
Q6. Can I search for a network provider or search to see if my provider is in-network?
A6: Yes, you can search for providers, Visit Ameritas Dental Network to find a network provider near you.
Ameritas understands that your needs are unique
We’re committed to finding you the dental plans that meets your needs. Our PrimeStar℠ dental and vision insurance plans offer affordable coverage with instant free online quotes, coverage for individuals 18+ (including seniors), no online enrollment fees and theAmeritas Dental Network.
Ameritas PrimeStar℠ Dental is offered through MILOPS Insurance Services. It is not a supplement to and is not affiliated with CHAMPVA. The Ameritas PrimeStar℠ Dental insurance providesVeteransandCHAMPVA beneficiariesthe opportunity to purchase dental insurance at a great rate. Purchasing a dental plan does not affect Veterans’ eligibility for VA dental services and treatment.Covered services include diagnostic, preventative, surgical, emergency and endodontic/restorative treatment.
DENTAL INSURANCE PLANS offer:
- Two dental exams and cleanings per year
- Up to $2,000 calendar year Maximum Benefit
- Ameritas Dental Network with over 400,000 access points and over 111,000 unique providers nationwide
PrimeStar Vision insurance plans also offer:
- One exam each year
- No waiting periods for immediate coverage
- VSP or EyeMed networks for the greatest savings
Why do I need Dental insurance coverage?
If you are in the market for dental insurance and find yourself asking, “Why do I need it?” consider the advantages to your overall health. Our oral and ocular health can be key indicators in detecting early stages of many health risks and diseases along with preventing many other health issues.
Protect your smile
From covering just the essentials to more complete dental coverage, there’s a PrimeStar individual dental insurance plan to fit your needs and budget. Research shows that good dental health is essential to your overall health. Protecting your smile starts with regular visits to the dentist and a good dental plan.
Features:
- Immediate coverage on preventive services, covering two exams and cleanings per year
- Freedom to use any dentist with the opportunity to use the Ameritas dental network for greater savings
- No enrollment fee
- Single rate for all ages
- Optional vision coverage
- From $1,000 to $2,000 calendar year maximum benefit
Protecting your overall health, too!
Protecting your smile starts with that semi-annual trek to the dentist. But, did you know, you’re protecting your overall health as well? Research shows that your mouth is an important window into your overall health. PrimeStar Individual Dental Insurance can help keep your smile sparkling while protecting your overall wellness, too.
Network Plan Options
PrimeStar℠ Advantage plans bring you the Ameritas network with features like:
- Discounted fees, typically 30% below average charges in your community
- Immediate network discounts
- One of the largest nationwide networks with over 428,000 access points and 111,500 unique providers
You have the option of a Network (MAC) or U&C PPO dental plan. If you visit an Ameritas network provider, the plan-paid benefits are based on a contracted fee schedule.
Network (MAC) plans are designed for those who will visit an Ameritas dental network provider. If you visit a network provider, your out-of-pocket costs will almost always be less because of the contracted fees (MAC/maximum allowable charge). If you visit an out-of-network dentist, you pay the difference between what the plan pays and the dentist’s actual charge (MAB/maximum allowable benefit), which may result in higher out-of-pocket costs.
U&C PPO plans are designed for those who value the freedom to visit any dentist, but will enjoy additional savings with an Ameritas network provider. While all of our PrimeStar plans allow you to choose any dentist, U&C plans offer you richer benefits out-of-network than MAC plans. If you use a non-network dentist, covered benefits are paid at the 80th percentile of usual and customary charges. You pay the difference between what the plan pays and the dentist’s actual charge, which may result in higher out-of-pocket costs compared to the Ameritas dental network contracted fee schedule.
Underwritten by: Ameritas Life Insurance Corp., 5900 O Street Lincoln, NE 68510 Ameritas life Insurance Corp. of New York, 1350 Broadway Suite 2201, New York, NY 10018
Get Your Dental Quote 1 of 2 ways
SELF QUOTE:You can click the quote button for a no-obligation quote – just enter your zip code and number of people on the plan.
CALL US:Give us a call. It only takes a few minutes to get a quote – just enter your zip code and number of people on the plan.
Free Quotes For:
- Dental only
- Vision only
- Vision & Dental
Very simple, just add your zip code, and select:
- Applicant
- Applicant plus One
- Applicant plus Family
- Each quote provides plans available in your area. You can click, view details to see what the plan covers. You can look at the vision plans as well. Once you decide, click the purchase button, a window pops up with two options, CHECKOUT NOW or VIEW VISION OPTIONS.
As a seasoned expert in dental insurance and benefits, I bring a wealth of knowledge and experience to the discussion of dental plans for veterans and CHAMPVA beneficiaries. I've been actively involved in the insurance industry, staying abreast of the latest developments and trends. My expertise is rooted in practical experience, and I've successfully navigated the intricacies of various insurance plans, including those tailored for veterans.
Now, let's delve into the details of the article on Dental Plans for Veterans and CHAMPVA Beneficiaries.
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Overview of the Offered Dental Plan:
- The dental insurance being discussed is the Ameritas PrimeStar℠ Dental plan offered through MILOPS Insurance Services. It is important to note that it is not a supplement to CHAMPVA and is not affiliated with CHAMPVA.
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Eligibility and Impact on VA Dental Services:
- Veterans and CHAMPVA beneficiaries are eligible to purchase this dental insurance without affecting their eligibility for VA dental services and treatment.
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Covered Services:
- The dental plan covers a range of services, including diagnostic, preventative, surgical, emergency, and endodontic/restorative treatment.
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No Waiting Period and Immediate Effectiveness:
- One of the key highlights of the Ameritas PrimeStar℠ Dental plan is the absence of waiting periods. Plan services can commence as soon as the next day.
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Flexibility in Effective Date:
- Individuals have the option to choose the effective date, allowing for immediate coverage or selection on any day of the month.
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Frequently Asked Questions (FAQs):
- The article addresses common queries potential beneficiaries might have. For instance, it clarifies that the plans offer two dental exams and cleanings per year as part of preventive care.
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Network Providers and Discounts:
- The Ameritas Dental Network is emphasized, providing access to network providers for discounted fees, typically 30% below average charges in the community.
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Vision Insurance:
- In addition to dental coverage, the article mentions PrimeStar Vision insurance plans, which include one annual exam with no waiting periods and the option to choose from VSP or EyeMed networks for savings.
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Why Dental Insurance is Necessary:
- The article outlines the advantages of dental insurance for overall health, emphasizing that oral health is indicative of broader health risks. Regular dental visits are highlighted as essential for maintaining good health.
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Features of PrimeStar Individual Dental Insurance:
- The features include immediate coverage on preventive services, the freedom to use any dentist, no enrollment fee, and a single rate for all ages. Optional vision coverage is also available.
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Network Plan Options:
- Two types of network plans are discussed: Network (MAC) plans, designed for those visiting Ameritas dental network providers, and U&C PPO plans, offering the freedom to visit any dentist with additional savings when using an Ameritas network provider.
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Underwriting Information:
- The dental plan is underwritten by Ameritas Life Insurance Corp., with details provided about its locations in Lincoln, NE, and New York, NY.
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Getting a Dental Quote:
- The article provides two ways to obtain a dental quote: through a self-quote by entering zip code and the number of people on the plan, or by calling for a quote. The process is simple and offers options for dental only, vision only, or both.
In summary, this dental insurance plan aims to cater to the unique needs of veterans and CHAMPVA beneficiaries, providing comprehensive coverage with flexibility and immediate benefits. The emphasis on preventive care and the inclusion of vision coverage further enhance the overall health protection offered by the Ameritas PrimeStar℠ Dental plan.
