Ameritas Dental — Dental Coverage Guide
Ameritas is a well-regarded dental-only insurer with plans including PrimeStar, Complete, and Family — often sold through independent brokers.
Preventive
100%
Cleanings, exams, X-rays
Basic
80%
Fillings, extractions
Major
50%
Crowns, implants, root canals
Orthodontic
50%
Lifetime max $1,500
Annual maximum: $2,000
Deductible: $50/year
Waiting periods: None for preventive on most plans; some plans waive basic waiting period
Network: Ameritas Network is smaller than Delta but strong in Midwest and West.
Ameritas Dental coverage by procedure
Estimates use the national median cost for each procedure. Actual coverage depends on your specific plan tier and remaining annual max.
| Procedure | Nat'l median | Plan pays | You pay |
|---|---|---|---|
| Dental Exam | $65 | $15 | $50 |
| Dental Cleaning | $105 | $55 | $50 |
| Dental Crown | $1,150 | $525 | $625 |
| Root Canal (Molar) | $1,050 | $790 | $260 |
| Tooth Filling | $210 | $55 | $155 |
| Tooth Extraction | $350 | $230 | $120 |
| Dental Implant | $2,400 | $1,150 | $1,250 |
| Dental Veneer | $1,200 | $0 | $1,200 |
| Teeth Whitening | $500 | $0 | $500 |
| Full Dentures (Upper) | $1,800 | $850 | $950 |
| Partial Denture | $1,500 | $700 | $800 |
| Dental Bridge | $3,500 | $1,700 | $1,800 |
| Braces (Full Treatment) | $5,500 | $1,500 | $4,000 |
| Deep Cleaning | $275 | $88 | $187 |
| Dental X-Ray | $35 | $0 | $35 |
| Panoramic X-Ray | $130 | $80 | $50 |
| Wisdom Tooth Removal | $400 | $270 | $130 |
| Night Guard | $450 | $400 | $50 |
| Dental Bonding | $180 | $0 | $180 |
| Dental Sealant | $50 | $0 | $50 |
| Invisalign | $4,200 | $1,500 | $2,700 |