Individual Dental Insurance Plans

Dental Options Outside of Employer Coverage

While many people rely on employer-sponsored health and dental coverage, we know there are those seeking independent dental plans. Your dental care is a crucial part of your overall health, and you shouldn’t skip out on the necessary coverage.

Support Your Oral Health with Ameritas Dental

If you wait until a health problem appears, you are often setting yourself up for more involved and expensive treatments. Dental insurance allows you to maintain your oral health with preventative visits, and with the Ameritas Classic Network, you gain access to one of the nation’s largest networks with discounted fees typically 25–50% below local averages. Dental insurance coverage is not just about having bright, white teeth and a pretty smile. Your oral health is a contributing factor to your overall health and has been linked to lower risks of heart disease and diabetes.

Support your overall health with an Ameritas Dental plan that provides:

• Preventative care: 100% coverage for routine cleanings, exams, and fluoride treatments with no waiting periods.
• Basic & Major services: coverage for fillings, root canals, crowns, and implants to protect your budget.
• Network savings: choose from extensive network providers nationwide to keep out-of-pocket costs low.
• Flexible benefits: plans offering lifetime deductibles and up to $5,000 in annual maximum benefits.

How to choose individual dental insurance?

When selecting a personal dental plan, you should keep in mind your budget and the needs of your family. Many plans offer good, better, and best insurance options so that you can choose what’s right for you and your family.

Almost all plans include preventive care like your annual visits and cleanings. If you have a history of oral health problems and expect lots of restorative care like root canals or fillings, you’ll need to look closely at the exclusions and limitations and the out of pocket costs for procedures.

If you have multiple children who will need orthodontic care, you’ll need to consider waiting periods and annual maximums of this portion of your insurance. Reviewing each of your dental insurance plan options will ensure you get the coverage you need for your family.

How much does dental insurance cost?

The cost of your dental plan will be determined by the type of coverage you select. For example, a plan with larger coverage amounts for restorative care and orthodontics will cost more than a plan that excludes orthodontics and offers minimal coverage for restorations.

You can save on your monthly payments by selecting a narrower coverage option – but remember, you get what you pay for. You may find yourself paying substantial amounts out of pocket later if you do not choose enough coverage for your needs.

How do I get individual dental insurance?

If your employer does not provide you with dental insurance or you are unsatisfied with employer coverage options, you can purchase an independent dental plan. Many companies offer online shopping tools for this coverage.

If you want the best coverage for the best price, talk to our professional agents. We can compare affordable coverage from multiple companies and make it easy for you to choose a perfect plan.