Dental plans for you and your family
Oral health isn’t just about a smile — it’s part of your total wellness. If you do not have employer-provided benefits, we offer flexible plans to match your family’s needs and budget.
Dependable coverage that's easy to use
Freelancer, worker without employer benefits, or retiree — no matter your situation, you can still get dependable dental coverage. Enjoy access to a wide national network, little to no waiting, and affordable plan options built around your needs.
Enroll in the plan that meets your families needs and budget
Customizable plans means that you find the coverage that fits just right.
Ameritas Prime Star Classic (PPO) and Cigna Advantage (PPO) dental plans for individuals & families
| Plans | Ameritas Care Lite | Ameritas Care Boost | Ameritas Care Complete | Cigna Dental 1000 | Cigna Dental 1500 | Cigna Dental Preventive |
|---|---|---|---|---|---|---|
| Price per month | Around $25 | Around $45 | Around $55 | Around $30 | Around $35 | Around $20 |
| Preventive care coverage | 100% Available day 1 of coverage | 100% Available day 1 of coverage | 100% Available day 1 of coverage | 100% Available day 1 of coverage | 100% Available day 1 of coverage | 100% Available day 1 of coverage |
| Basic care coverage | 50% day 1; 80% after year 1 | 65% day 1; 80% after year 1 | 80% day 1; 90% after year 1 | 80% day 1 | 80% day 1 | |
| Major care coverage | 10% day 1; 20% after year 1 | 20% day 1; 50% after year 1 | 20% day 1; 50% after year 1 | 50% day 1 | 50% day 1 | |
| Orthodontia | 15% day 1; 50% after year 1 (only applies to dependents under 19) | First $1,000 covered |
Deductibles
Our goal is to help you and your family feel informed and prepared, giving you confidence in the coverage you choose. Here’s the total amount you’ll pay out-of-pocket for the entire year for your dental care before your plan begins covering costs.
Ameritas Care Lite
- Preventive Care
- In Network – $0
- Out of Network – $50
- All other dental services – $50
Ameritas Care Boost
- Preventive Care
- In Network – $0
- Out of Network – $50
- All other dental services – $50
Ameritas Care Complete
- Preventive Care
- In Network – $0
- Out of Network – $50
- All other dental services – $50
Cigna Dental 1000
Individual plan deductible for all services: $50
Family plan deductible for all services: $150
Cigna Dental 1500
Individual plan deductible for all services: $50
Family plan deductible for all services: $150
Orthodontia deductible: Lifetime $50 per person
Cigna Dental Preventive
$0. There is no deductible for this plan
Maximum benefit details
Maximize your coverage by knowing your yearly benefit limits for you and all covered family members. This is the maximum amount your plan will pay toward dental care annually per person.
Ameritas Care Lite
Year 1 Max: $500
Year 2+ Max: $1,500
Covered preventive care procedures do not reduce the yearly maximum ammount.
Ameritas Care Boost
Year 1 Max: $1,000
Year 2+ Max: $2,500
Except for:
- Dental Implants
- Year 1 Max: $500
- Year 2+ Max: $1,000
- Child Orthodontia: Lifetime Maximum $1,000 per child
Covered preventive care procedures do not reduce the yearly maximum ammount.
Ameritas Care Complete
Year 1 Max: $2,000
Year 2+ Max: $3,500
Except for:
- Dental Implants
- Year 1 Max: $1,000
- Year 2+ Max: $1,500
Covered preventive care procedures do not reduce the yearly maximum ammount.
Cigna Dental 1000
Year 1 Max: $1,000
Covered preventive care procedures do not reduce the yearly maximum ammount.
Cigna Dental 1500
Year 1 Max: $1,500
Lifetime maximum of $1,000 per person for orthodontia care.
Covered preventive care procedures do not reduce the yearly maximum ammount.
Cigna Dental Preventive
Unlimited benefit amount. Plan includes restrictions on frequency of care.
Coverage details
What’s included matters. This is a general idea of how plans classify common procedures and what is included with most plans.
Preventive Care
- All plans include 2 exams and 2 cleanings per year.
- Bitewing x-rays are included once every 12 months.
Basic Dental Procedures
- Fillings
- Emergency care to relieve pain
- Simple extractions
- Fluoride & sealants (for covered dependents under age 15)
Major Dental Procedures
- Oral surgery
- Root canal
- Crowns
- Bridges
- Implants
- Dentures
How it works
- Find the coverage that works for you.
Enrolling in a plan is simple and takes only a few minutes
2. Bundle & save
All plans can be bundled with vision coverage and most can be tailored to include hearing coverage.
3. Start using your plan the next day
With no wait times and no enrollment fees, you’ll be able to make use of your plan from the start.
Dental Insurance FAQs
Q: When does my coverage start? How soon can I use my benefits?
A: You can start using your benefits as soon as the day after you enroll depending on how you pay for your plan. Preventive care benefits are paid at 100% for all plans from the first day, but other benefits are tiered and how much of a benefit you receive is based on how long you have had the plan.
It is best to refer to your specific plan for details.
Q: Can I cancel at any time?
A: Yes. You can elect to cancel your plan at any time for no cost. Coverage will typically end at the end of the next premium cycle.
When you do cancel your dental insurance, most companies require you to wait 12 consecutive months before you can enroll in coverage again.
Q: Do dental plan have limitations or exclusions?
A: Yes. Plans have restrictions set on how many services you can receive in a year and over a lifetime in some cases. It is best to refer to your specific plan for details.
Q: Does my whole family need to use the same dentist?
A: Nope. You can each have your own dentist. Just make sure that each dentist is in the network so you can receive the best coverage.
Q: Does dental insurance work with Medicare?
A: Yes. You can have Medicare and still enroll in and use a dental insurance plan.
Q: Will my premium amount change?
A: Dental premiums can change, but it is rare. If they do change, you will be given a 60 day notice letting you know of the upcoming changes.
Q: Are there any other fees that I have to pay?
A: No. There are no enrollment or sign up fees, no cancelation fees, no administrative fees- what you see is what you’re going to pay. Just make sure to stay in-network to receive the maximum benefit.
Need Help? We're Here.
Prefer to speak to someone for help enrolling in a dental plan?
Call Us: (317) 349-1290