AIP Dental Insurance for Colonial Life Agents and Brokers

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  • Featuring

    • INDEPENDENCE – since plan availability is not tied to your job, getting benefits through your employer is not your only chance to have affordable coverage.
    • SECURITY – your protection is not automatically lost if you change jobs, lose your job or retire. And it can't be taken away just because you reach a certain age.
    • CHOICE – three plan options let you select the level of coverage that's right for you.
    • EXTRAS – one plan offers a vision benefit along with your dental benefits. And all plans let you and your covered dependents (even your pets) save on prescription medications through any Walmart or Sam's Club pharmacy across the nation. This Rx discount, which is not insurance, is offered at no additional cost.
  • Pricing

    Plan Options Plan 1 Plan 2 Plan 3
    Annual maximum benefit $500 $1,000 $1,500
    Dental Rewards® with PPO bonus      
    Threshold Amount $250 $250 $500
      $125 $125 $250
    $500 $500 $1,000
    Where PPO is available, if you qualify for your Annual Reward by seeing an Ameritas PPO dentist, we'll add a $50 PPO bonus amount to your Annual Reward. Boost your annual maximum benefit by submitting at least one dental claim each year and keeping your total benefits received for the year at or below the Threshold Amount. You will "earn" an Annual Reward that you carry over to increase your annual maximum benefit available the next year. Accumulate rewards up to the total Maximum Reward amount. If no dental claims are submitted during a year, no rewards are earned and accumulated rewards are lost. But you can begin building rewards again the very next year.
    waiting periods preventive - none
    basic - 6 months
    preventive - none
    basic - 6 months
    major - 12 months
    preventive - none
    basic - 6 months
    major - 12 months
    annual dental deductible (per person) $50 $50 $50
    preventive (type 1) 80% 100% 100%

    exams/cleanings (once annually Plans 1 & 2; twice annually Plan 3)

    fluoride treatment under age 14 (once per plan year)
    bitewing films (once per plan year)
    full mouth series or panoramic x-ray (once every 5 years)
    basic (type 2) 50% 50% 80%
    malgams & resin restorations (fillings)
    simple extractions
    sealants (under age 14)
    major (type 3) not covered 50% 50%
    space maintainers
    root canals
    surgical endodontics
    periodontal procedures
    surgical extractions
    general anesthesia
    crowns
    vision benefit (Plan 3 only) Included with Plan 3 only. A $100 benefit that you may use for exams, frames, lenses or contact lenses from the vision provider of your choice. In addition, if you purchase Plan 3, you will receive a vision ID card that explains how to access discounts on eye exams and products. If you choose to use your vision benefit, it is deducted from the total annual maximum allowed for dental benefits. If you use your plan's entire annual maximum benefit for dental care, no vision benefit will be available that year.
  • Plan FAQs

    Can I see the dentist I have now?

    Yes, you are always free to visit the dentist of your choice. The Ameritas PPO network offers more than 235,000 access points nationwide for dental care, which means you benefit from credentialed dentists who offer a discount on services provided.

    How much does the coverage cost?

    Please go to www.ameritasgroup.com/individual for plan prices and availability in your area.

    Are my rates guaranteed?

    Your rates are guaranteed for 12 months following your plan's effective date. After that, you will receive at least 30 days' notice (more if required by state law) if your rates change.

    When will my policy be effective?

    Your policy will be effective on the first day of the month following the approval of your application and collection of your first month's premium.

    Are there services that are not covered?

    Yes, some services such as orthodontia are not covered. Procedures begun prior to your effective date are not covered. The plan does not provide benefits for lost or stolen appliances or cosmetic procedures. It does not cover hospitalization or prescription drugs. Certain covered expenses may be subject to a waiting period (an elimination period). At times, two or more procedures are considered adequate and appropriate treatment. In this case, the benefit will be based on the charge for the least expensive procedure. This is not a complete list of exclusions. Your policy will contain a complete listing of exclusions, procedures covered and any frequency or other limitations on specific procedures.

    Do I have coverage outside of the state I live in?

    Yes, if you are traveling or have a covered dependent living in a different state, you will still have coverage.

    How do I submit claims?

    You or your dentist may submit completed claim forms along with any requested information to Ameritas Life Insurance Corp., P.O. Box 82520, Lincoln, NE, 68501-2520, fax 402.467.7336. Dentists may submit claims electronically. Our customer service claims contact center earned BenchmarkPortal's Center of Excellence certification for 2011, the fifth consecutive year. We believe that being able to count on us for great claims service is one big reason our customers keep coming back.

    What if I want to cancel the policy?

    All cancellations must be submitted to HealthPlan Services by calling 800.237.1276 or writing P.O. Box 30102, Tampa, FL 33630-3264. Once the request is received, the policy will be cancelled the later of the first day of the following month or the requested cancel date (must be the first day of a month).