Ameritas Life (Dental/Vision)

Ameritas Life Insurance Corp was founded in 1887, making it one of the oldest insurance companies in the United States. Originally established as the "Bankers Life Association" in Lincoln, Nebraska, it aimed to provide financial protection for families. The company later adopted the name Ameritas in 2001 to reflect its mission and values more clearly.

Over the years, Ameritas has evolved to meet the changing needs of its policyholders. While it began as a life insurance provider, the company has expanded its offerings to include a range of health insurance products, particularly focusing on dental, vision, and hearing insurance. This strategic pivot has allowed Ameritas to become a significant player in the insurance market, especially for individuals and families seeking comprehensive health coverage.

Ameritas specializes in providing dental, vision, and hearing insurance, catering to both individual and employer-sponsored plans. The company recognizes that oral and eye health are crucial components of overall wellness, and its products reflect this philosophy. Key features of Ameritas's dental, vision, and hearing insurance include:

Ameritas offers a variety of dental plans that cover preventive, basic, and major dental services. These plans often include:

- Coverage for routine check-ups, cleanings, and X-rays.

- Benefits for more extensive procedures like crowns, bridges, and orthodontics.

- A focus on preventative care, encouraging policyholders to maintain their oral health.

Ameritas provides vision insurance that covers essential eye care services, including:

- Annual eye exams, which are crucial for detecting potential issues early.

- Discounts or coverage for prescription eyewear, including glasses and contact lenses.

- Access to a network of eye care professionals and facilities.

Recognizing the importance of hearing health, Ameritas offers hearing insurance that includes:

- Coverage for hearing tests and evaluations.

- Discounts on hearing aids and other related services, helping individuals manage the costs associated with hearing care.

Ameritas Life Insurance Corp has demonstrated financial stability and strength throughout its long history. The company has consistently received favorable ratings from major credit rating agencies, indicating its ability to meet policyholder obligations and pay claims promptly.

As a mutual insurance company, Ameritas is owned by its policyholders, which allows it to prioritize the interests of its members. This structure supports a long-term focus on customer service, innovation, and community involvement. The company’s financial health is further bolstered by its diversified portfolio of insurance and financial products, providing resilience against market fluctuations.

- Community Engagement: Ameritas has a strong commitment to community involvement, emphasizing social responsibility and support for local initiatives. The company encourages its employees to engage in volunteer work and charitable activities, fostering a culture of giving back.

- Innovative Programs: Ameritas has been at the forefront of developing innovative dental and vision care programs, such as its "Wellness Rewards" program, which incentivizes policyholders to maintain their dental and vision health through regular check-ups and preventive care.

- A Focus on Education: The company places a significant emphasis on educating both consumers and employers about the importance of dental, vision, and hearing health. Ameritas provides resources and tools to help individuals make informed decisions about their insurance options and healthcare needs.


Pros:
- Specialization in Dental, Vision, and Hearing Insurance: Ameritas's focus on these specific areas allows it to provide tailored solutions that meet the unique needs of policyholders, ensuring comprehensive coverage.

- Comprehensive Coverage Options: The company offers a range of plans that cover various dental, vision, and hearing services, giving customers flexibility in selecting coverage that best suits their needs.

- Strong Financial Stability: Ameritas has a solid financial foundation, backed by favorable ratings from credit agencies and a commitment to prudent financial management.

- Community Involvement: The company's dedication to social responsibility and community engagement enhances its reputation as a caring and responsible insurer.

- Educational Resources: Ameritas provides valuable information and resources to help consumers understand their options and make informed decisions about their health insurance coverage.

Cons:
- Limited National Brand Recognition: While Ameritas is well-respected within the insurance industry, it may not have the same level of brand recognition as larger national insurers. This can make it more challenging for potential customers to learn about the company and its offerings.

- Regional Availability: The availability of certain plans and services may vary by state, which could limit access for some potential policyholders. Customers should check the specific offerings in their area to determine availability.

Ameritas Life Insurance Corp has established itself as a leader in dental, vision, and hearing insurance, focusing on the essential health needs of individuals and families. With a commitment to comprehensive coverage, customer service, and community engagement, the company has built a strong reputation in the insurance market.

As awareness of the importance of preventive care continues to grow, Ameritas Life is well-positioned to support policyholders in managing their health and achieving better outcomes in their dental, vision, and hearing care.



As one of the top dental insurance companies in the US, Ameritas PrimeStar® dental insurance plans feature:
Next-day coverage and no enrollment fees
No waiting periods on most dental plans
Preventive visits, such as dental exams and cleanings, are covered up to 100%
Some dental plans include additional benefits such as orthodontia or hearing care.