Dental PPO by Ameritas

Freedom to Use Any Dentist - No Network Restrictions

This comprehensive, full service plan covers over 360 procedures, from routine preventative to major, including crowns, dentures, and implants. Whether you need routine care or something more extensive, this plan will have you covered.

Every covered member and dependent each has a robust $1,500 calendar year benefit. Enrollees also receive a unique Dental Rewards® “savings account” benefit which allows them to bank some of their unused funds for later use. Any enrollee who uses less than $750 of their annual benefit will automatically have up to $400 per year of their calendar year maximum banked for use in future years.

As an added benefit, enrollees who visit the dentist at least once during the year will have their in-network Basic Services benefit increased by 5% the following year - up to an 85% maximum.

Coverage is available for the Association member individually, or you may also insure your spouse/domestic partner, and your dependent children up to age 26. Coverage is available to children age 26 and older if they are permanently disabled and the member lists them as a dependent on their tax return. Grandchildren are only eligible if you have full legal custody, not temporary guardianship.

While free to use any dentist, if you use an Ameritas Network Dentist you will receive quality dental care at deeply discounted prices. Finding a local Network Dentist is easy as Ameritas has the largest dental network nationwide with over 325,000 providers. Additionally, many Ameritas providers have agreed to extend deep discounts on non-covered procedures such as cosmetic procedures like teeth whitening.

Search for Network providers in your area at:

This chart illustrates the significant estimated savings you could realize by using an In-Network dentist.

Procedure Network Cost Non-Network Cost Potential Savings*
Periodic Oral Exam $33 $55 40%
Bitewings $31 $49 37%
Prophylaxis (Cleaning) $67 $98 31%
Amalgam Filling $84 $141 40%
Resin Filling $103 $169 39%
Crown - Porcelain Fused to High Noble $1686 $1049 35%
Endodontic Therapy - Molar $705 $1124 37%
Periodontal Scaling & Root Planing $145 $277 41%
Pontic - Porcelain Fused to High Noble $623 $1148 39%
Crown (Fixed Bridge) - Porcelain Fused to Noble $652 $1050 32%
Extraction, Erupted Tooth or Exposed Root $96 $190 44%

*Based on a sample CA zip code using multiple factors. Your procedure may fall under a different ADA code.


Network Dentist

Non-Network Dentist

Calendar Year Benefit


Dental Rewards®

$400 / Year

$250 / Year

Calendar Year Deductible

Waived for Preventative

$50 / Person

$75 / Person

Preventative Services

Cleaning, Oral Exam, Bitewing X-Ray, & Fluoride.



Basic Services

Filling, Simple Extraction, Periodontal Maintenance, Panoramic X-Ray, Denture Repair & Reline, Recement, Biopsy, Sealant, & Emergency Pain Relief.

75% – Year 1

80% – Year 2

85% – Year 3


Major ServicesA 12-month waiting period will be applied unless proof of current coverage is submitted with enrollment form.

Crown, Implant, Periodontic, Endodontic, Root Canal, Bridge, Denture, Complex Extraction, Anesthesia, Bone Augmentation, Inlay Restoration, Onlay Restoration, Crown Repair, Bridge Repair, & Space Maintainer.



*Benefit levels are based on the average rate a dentist in your zip code would charge for that procedure.

Ameritas PPO Monthly Premium

Member Only


Member + Spouse / Domestic Partner or Child


Member + Family