While the financial risks generally aren't as catastrophic as not carrying other types of insurance such as health or homeowner's insurance - many people find that having dental and vision insurance helps to spread out their costs for care into more manageable monthly premiums and co-insurance amounts.  You may expect that if your dental needs are less than average, insurance may not save you money - but due to prenegotiated discounts, it may still benefit you (especially if you can find a network dentist.)  The same thing would apply for vision insurance, if you wear glasses or contact lenses.  Because you are paying your premiums whether you use it or not - it may also help to make sure you don't delay your routine check-ups and cleanings.

We are pleased to be using Ameritas as our provider for both dental and vision insurance. The Ameritas Dental Network is one of the nation’s largest.  Network providers have agreed to charge 25-50% less than their regular rates which can lower your out-of-pocket costs.  You can visit any dentist, in- or out-of-network. And family members do not need to visit the same provider. 

For vision, they offer two plans, also with large, nationwide, networks.

 

DENTAL PLANS

We currently offer a variety of plans, with the PrimeStar Protect plans including two tiers of coverage. Premiums vary by zip code but the plan basics are the same.

The PrimeStar Protect 1000 and PrimeStar Protect Network 1000 have a $1000/year maximum benefit (this is at their discounted rates). Preventative services such as cleanings and bitewing X-Rays are covered at 100% (assumes you use the "network" plan for an in-network dentist). The payment for non-network dentists is the 80th percentile of the local and usual customary charges. Additional services such as orthodontics, are covered after a $50 deductible, at 15% from day one and at 50% on January 1 of the next year (yes - if you enroll in December, you step up to 50% coverage the next month!). Keep in mind, your share of cost may be reduced further by renegotiated discounts if in your dentist is in Ameritas' network.

The PrimeStar Protect 2000 and PrimeStar Protect Network 2000 plans extend the maximum coverage to $2000/year for only a few dollars more each month. Fillings and simple extractions are covered at 65% on day one, stepping up to 80% on January 1. While other major services, including implants, dentures, and crowns are covered at 20% day one and 50% on January 1st, same as the 1000 level plans. 

GPM Dental 2500 and GPM Dental 2500 Network are very similar to the above but the overall coverage bumps up to $2500/year. Preventative services such as cleanings and bitewing X-Rays are covered at 100% (again, this assumes you use the "network" plan for an in-network dentist and the non-network for non-network dentists). The payment for non-network dentists is the 80th percentile of the local and usual customary charges. Additional services, such as implants and oral surgery are covered after a $25 deductible, at 20% from day one and 50% on January 1 of the next year. Fillings, simple extractions and panoramic X-Rays are covered 50% on day one, 65% on January 1 and step up to 80% after 2 years. Neither of these plans offer orthodontic coverage.
One last plan that we offer through Ameritas is the ProtectorPlus Dental Network 2000. This plan offers better coverage at 60% on day one for fillings, x-rays, and simple extractions, jumping to 70% on January 1, and 80% after 2 years.  Major services start at 20% coverage, same as the other plans. However, the coverage only jumps to 40% on January 1, but then continues to a third tier covering 60% of major services like root canals, crowns, & bridges after 2 years. This plan also does not cover orthodontics. 

You can see monthly premiums, search for providers and even sign-up online through one of the three links at the bottom of the page! The first link is for the PrimeStar Plan options, the second is for the GPM Plans, and the third link is for the ProtectorPlus Network 2000 plan only (if you are not in California, please give our office a call before enrolling). Any provider shown in green will accept the network plans and offer the best discounted rates. Any providers shown in grey will accept the non-network plans for the best coverage (you can still see them with the network plan but depending on your needs, you'll generally have better coverage with the non-network plan). Any providers not listed can still be seen and will generally be covered better with the non-network plan. 

 

VISION PLANS

Ameritas offers two vision plans - the Primestar Select and Choice plans.  Prices are the same nationwide - $10.67/mo for an individual/$19.63/mo for a couple for the Select plan, and $16.34/$30.07/mo for the Choice plan.  There are no waiting periods for full coverage to start.

The Select plan uses the EyeMed Vision Care Access Network - which you can search at www.eyemed.com.  It has over 7,000 retail locations - including LensCrafters, Pearle Vision, Target Optical, JCPenney Optical, Sears Optical, and many independent providers.  There are fixed co-pays for all services ($25 for an eye exam), and a $130 allowance for glasses OR contacts.  However, you have additional discounts beyond the initial coverage as well.  If you choose to see an out of network provider - fixed allowances are provided for various services.

The Choice plan uses the VSP Choice network - which you can search at www.vsp.com.  It includes all of the same providers as the EyeMed network, but also includes Costco Optical, and many additional independent providers. Co-pays are generally lower for most services, and the eyeglass/contact allowance is $150.  

IF YOU HAVE ANY QUESTIONS WHATSOEVER, OR WOULD LIKE US TO HELP YOU DECIDE ON WHICH PLAN IS BEST FOR YOU - PLEASE LET US KNOW.  

If you would like to get a quote yourself, you may do so below.  (Again, if you are outside of California, while you can get a quote online, we ask that you please call our office before applying.)

Feel free to share this with any friends or family that need dental or vision insurance - the site is simply www.roloffdental.com

 

Advantage Plans Quote Request

GPM Plans Quote Request

ProtectorPlus