Primestar dental insurance offers a range of affordable coverage options for families. With various plan levels to choose from, you can find a plan that fits your budget and meets your family's dental needs.
From routine cleanings to major procedures, Primestar covers a wide range of dental services. You can expect to pay a low monthly premium for comprehensive coverage that includes everything from fillings to crowns.
One of the standout features of Primestar is its emphasis on preventive care. By covering routine cleanings and exams, Primestar helps your family stay on top of oral health and avoid costly problems down the line.
Insurance Providers
Primestar Dental Insurance offers coverage through several insurance providers.
Humana is one of the insurance providers that partner with Primestar Dental Insurance.
Humana offers a range of dental insurance plans that can be customized to fit individual needs.
Aetna is another insurance provider that partners with Primestar Dental Insurance.
Aetna offers a variety of dental insurance plans that cover a range of services, including routine cleanings and major procedures.
Cigna is also an insurance provider that partners with Primestar Dental Insurance.
Cigna offers dental insurance plans that can be tailored to meet the unique needs of individuals and families.
Delta Dental is an insurance provider that partners with Primestar Dental Insurance to offer a range of dental insurance plans.
Delta Dental plans can be customized to fit individual needs and budgets.
Plan Features
At Insurance By Nancy, you can get Ameritas PrimeStar individual dental insurance plans with next-day coverage and no enrollment fees. This means you can start taking care of your teeth right away without any extra costs.
Preventive visits, such as dental exams and cleanings, are covered up to 100% with no waiting periods on most dental procedures. This is a big plus, as regular cleanings and exams are essential for maintaining good oral health.
The Preventive Plus feature allows you to save your annual benefit for more costly procedures, such as fillings or crowns, by not counting Type 1 preventive procedures against your plan's annual maximum benefit. This can be a huge help if you need more extensive dental work.
The PrimeStar Boost/Access plan covers orthodontic services for children under age 19, including teeth straightening and jaw alignment. This is a great perk for families with kids who need orthodontic care.
The PrimeStar Protect Network 1000 and 2000 PPO plans have a set network of dentists, and going to an out-of-network dentist will result in reduced coverage. It's essential to check if your current dentist is in-network to maximize the value of the PPO plans.
Here are the key benefits of the Ameritas Primestar Plans:
- Immediate 100% coverage for cleanings and x-rays
- 65% coverage year one for fillings, 80% for year two and beyond
- 20% coverage year one for major work, including root canals, crowns, oral surgery, extractions, and implants
- 50% coverage for major work year 2 and beyond
- A large network of dentists
- No application fee
- Immediate coverage
Ameritas Dental Coverage
Ameritas Dental Coverage offers three plan levels with varying benefits.
Ameritas PrimeStar dental plans cover preventive visits, such as dental exams and cleanings, up to 100%.
Preventive care is a top priority with Ameritas, as you'll get immediate 100% coverage for cleanings and x-rays with their Primestar Protect Network plans.
The Primestar Protect Network plans also come with a set network of dentists, and if you go out-of-network, your coverage will be a fraction of the amount.
To maximize the value of the PPO plans, it's essential to check if your current dentist is in-network or find a dentist in-network.
The Indemnity plans, on the other hand, allow you to choose any dentist you prefer, with the coverage remaining the same.
Here's a breakdown of the coverage for major work with the Primestar Protect Network plans:
- 20% coverage year one for major work, including root canals, crowns, oral surgery, extractions, and implants
- 50% coverage for major work year 2 and beyond
Reviews and Evaluations
The Ameritas Primestar plans have a set network of dentists, so it's essential to check if your current dentist is in-network to maximize the value of the PPO plans.
The Primestar Protect Network plans offer 100% coverage for cleanings and x-rays, and 65% coverage for fillings in the first year, increasing to 80% in the second year and beyond.
The indemnity plans allow you to choose any dentist you prefer, with the same coverage.
All four plans have an annual deductible of $50 and offer immediate 100% coverage for cleanings and x-rays.
The Primestar Protect Network plans offer 20% coverage for major work in the first year, increasing to 50% in the second year and beyond.
Here are the benefits of the Primestar Protect Network plans:
- Immediate 100% coverage for cleanings and x-rays
- 65% coverage year one for fillings, 80% for year two and beyond
- 20% coverage year one for major work, 50% for year two and beyond
Frequently Asked Questions
What is the most dental insurance will cover?
Most dental insurance plans cover 100% of preventive care, including routine check-ups and cleanings. Basic care typically covers 100% of simple procedures like extractions and fillings.
What is not covered by dental insurance?
Dental insurance typically does not cover cosmetic procedures like teeth whitening, veneers, and bonding, which are focused on improving the appearance of your smile
Sources
- https://consumerbenefits.net/dental-insurance/ameritas-primestar-dental/
- https://www.insurancebynancy.net/dental
- https://framingham.meyerandassoc.com/dental-vision/
- https://www.dentalinsuranceshop.com/dental-blog/dental-insurance-(general)/primestar-dental-plan-review
- https://safeguardagency.net/dental-%26-vision
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