Dental PPO by Ameritas

Freedom to Use Any Dentist - No Network Restrictions

This comprehensive plan covers 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.

Each covered member and dependent receives a robust $1,500 annual network benefit. Enrollees also have a Dental Rewards benefit which allows them to bank some of their unused benefit for future use. Enrollees who uses less than $750 of their annual benefit will automatically have up to $400 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.

While free to use any dentist, using an Ameritas Network Dentist will provide you quality care at deeply discounted prices. Additionally, many Ameritas providers extend deep discounts on non-covered procedures. Finding a network provider is easy, as Ameritas has the largest dental network nationwide with over 325,000 providers.

Find Ameritas Classic PPO Network providers in your area at:

Coverage is available for the member, and you may also insure your spouse/domestic partner, and/or your dependent children up to age 26. Children age 26 and older are eligible 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.


Dental PPO Benefits




Calendar Year Benefit $1,500
Dental Rewards $400 / Year $250 / Year
Calendar Year Deductible

Waived for Preventative

$50 / Person $75 / Person
Preventative Services
Cleaning, Oral Exam, Bitewings 100% 80%
Basic Services
Periodontal Maintenance, Filling, Simple Extraction, Panoramic X-Ray, Denture Repair & Reline, Recement, Biopsy, Emergency Pain Relief

75% - Year 1

80% - Year 2

85% - Year 3


Major Services

12-month waiting period applies unless you had other dental insurance for all of 2023.

If so, please include proof of current coverage with the 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 50% 50%

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