Ameritas PrimeStar® Dental Insurance
PrimeStar® dental by Ameritas Life, includes affordable dental options with No Waiting Periods for preventative, basic or major services. Next day dental insurance coverage and no enrollment fees. $50 deductible per benefit year. Annual Maximums of $750 to $2.500 per person. Use any dentist or enjoy lower out of pocket costs when using a dental provider in the Ameritas Classic PPO Network. Plan options with Implant and Orthodontics coverage. EyeMed Vision insurance is an available add-on or can be purchased separately.
You can choose effective dates as early as tomorrow or up to three months in the future!
Ameritas PrimeStar® Dental & Vision Insurance
Underwritten by Ameritas Life Insurance Corp.
Affordable dental coverage with No waiting periods
Call Us at (800) 544-9505 with Questions or to Apply over the phone.
You can use your Ameritas PrimeStar® Dental Insurance as early as tomorrow.
Ameritas PrimeStar® Dental Insurance
Plan Options - No Enrollment Fee - Plans vary by state
Click the plan name or button to view details
PrimeStar® Care Lite - Lowest Priced Option
- $50 Types 2 & 3* (per benefit year)
- $750 Day one, $1,500 After year one (per benefit year)
- (Exams, cleanings and Bitewing x-rays)
- Basic (Type 2) - Pays 50% Day One, 80% Year two In-Network, 25% Day One, 40% After year one Out-of-Network (fluoride age 15 and under), fillings, sealants (age 15 and under), space maintainers (age 13 and under)
- Major (Type 3) - Pays 10% Day One In-Network, 20% After year one, Out-of Network, 5% Day One, 10% After year one (Other X-rays, simple extractions, oral surgery, root canals (endodontics), gum disease treatment (periodontics), crowns, bridges, dentures)
- Type 1 Preventive procedures are not deducted from the plan's annual maximum benefit. This saves all of the annual benefit to help pay for more expensive Type 2 and 3 procedures.
- *$50 deductible per person for Basic and Major services combined, with a maximum of three deductibles per family.
- $750 maximum per person day one, $1,500 after year one for Basic and Major services combined.
Benefits may vary by state
Ameritas PrimeStar® Dental Insurance
PrimeStar® Care Boost
- $50 Type 2 & 3 (per benefit year)
- $1,000 Day One, $2,500 After Year 1 (per benefit year)
- % (Exams, cleanings, bitewing X-rays, fluoride (age 15 and under), sealants (age 15 and under), space maintainers (age 13 and under)
- Basic (Type 2) In-Network Pays 65% Day 1, 80% After Year 1. Out-of-Network pays 35% Day 1, 50% after Year 1 (fillings, Simple Extractions
- Major (Type 3) In Network Pays 20% Day One , 50% After Year 1, Out of Network Pays 10% Day One, 20% After Year 1 (Other X-rays, oral surgery, root canals (endodontics), gum disease treatment (periodontics), crowns, bridges, dentures, implants, teeth whitening)
- Child Orthodontia under age 19 Pays 15 % Day 1, 50% After Year 1. $1,000 lifetime maximum per child
- Insurance covers a limited maximum amount per person per benefit period for implant services, which is deducted from the annual dental maximum. The implant maximum benefit day one is $500. After year one, the maximum increases to $1,000.
Other Benefits:
Increasing maximum
The annual maximum benefit day one is $1,500. After year one, the maximum increases to $2,500 for network services. Insurance covers a maximum amount per person per benefit period for Basic and Major services combined.
Preventive Plus
Type 1 Preventive procedures are not deducted from the plan's annual maximum benefit. This saves all of the annual benefit to help pay for more expensive Type 2 and 3 procedures.
**$1,000 maximum benefit per person day one, $2,500 after year one for Basic and Major services combined.
Benefits may vary by state
Ameritas PrimeStar Dental Insurance
PrimeStar® Care Complete
- $50 Type 2 & 3* (per benefit year)
- $2,000 Day One, $3,500 After Year 1 (per benefit year)
- (Exams, cleanings , bitewing X-rays)
- Basic (Type 2) In-Network Pays 80% Day 1, 90% After Year 1. 60% Day one, 70% after year one Out-of-Network (fillings, Simple Extractions
- Major (Type 3) Pays 20% Day One. 50% after Year 1 In-Network, 10% Out-of-Network Day one, 30% after year one (Other X-rays, oral surgery, root canals (endodontics), gum disease treatment (periodontics), crowns, bridges, dentures, implants)
Other Benefits:
Increasing maximum
The maximum benefit per person day one is $2,000. After year one, the maximum increases to $3,500 after year one for basic and major services combined.
Preventive Plus
Type 1 Preventive procedures are not deducted from the plan's annual maximum benefit. This saves all of the annual benefit to help pay for more expensive Type 2 and 3 procedures.
Insurance covers a limited maximum amount per person per benefit period for implant services, which is deducted from the annual dental maximum. The implant maximum benefit day one is $1,000. After year one, the maximum increases to $1,500.
Hearing Benefit
Benefits are available for hearing exams and hearing aids. Each benefit period you receive up to $75 for eligible hearing exams. The plan pays 50% of the hearing aid cost up to the maximum benefit per ear with the increased benefits after year one. The maximum benefit is $200 day 1 and $400 after year 1. The hearing aid maximum benefit is separate from the dental maximum benefit. Five years after using your hearing aid coverage, you are re-eligible for the benefit at the top level. A reduced benefit is available after three years if your current hearing aids can no longer correct your hearing. All benefits assume no break in coverage.
*$50 deductible per person for Basic and Major services combined, with a maximum of three deductibles per family.
**$2,000 maximum benefit per person day one, $3,500 after year one for Basic and Major services combined.
Benefits may vary by state
Ameritas PrimeStar Dental 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. Find a Classic (PPO) network provider near you.
You can visit any dentist, in- or out-of-network. And family members do not need to visit the same provider. Use our dental cost estimator to find average procedure charges in your area. The estimates do not include network discounts or plan benefits.
If you are looking for more insured dental plans underwritten by Ameritas, view the Spirit Dental insurance plan
Ameritas PrimeStar® Dental & Vision Features
- No waiting periods for preventative, basic or major services
- $50 deductible per benefits year, per person
- Annual maximums increase after year one
- Network options use the Ameritas Classic PPO Network which includes over 150,000 unique providers
- Choice options gives you the freedom to use in and out of network providers
- Most options include two cleanings and exams per year paid 100%
- 12 month rate guarantee. After 12 months, your monthly cost may increase or decrease after a 30 day notice
- 30 Day satisfaction guarantee for both dental and vision
- Vision options available
- Payment options: major credit cards or automatic deduction from checking or savings account
If you choose electronic online delivery of your plan documents, you will not receive paper copies.
If you chose to have your plan documents delivered via direct mail please allow up to 10 days for delivery
Ameritas Network Savings
The policy provides dental and/or vision benefits only. Review your policy certificate carefully.
By submitting your application using this form, you hereby apply for coverage. This policy has limitations, exclusions, terms and conditions under which the policy may be continued in force or discontinued.
Underwritten by Ameritas Life Insurance Corp. | 5900 O Street Lincoln, NE 68510
This is not a certificate of insurance or guarantee of coverage. Plan designs may not be available in all areas and are subject to individual state regulations. This piece is not for use in New Mexico.
This information is provided by Ameritas Life Insurance Corp. (Ameritas Life). Dental, vision and hearing care products (9000 Rev. 07-23 for Group and 9000 Rev. 10-22 for Individual, dates may vary by state) are issued by Ameritas Life. The Dental and Vision Networks are not available in RI. In Texas, our dental network and plans are referred to as the Ameritas Dental Network.
Ameritas, the bison design and “fulfilling life” are service marks or registered service marks of Ameritas Life, affiliate Ameritas Holding Company or Ameritas Mutual Holding Company. © 2026 Ameritas Mutual Holding Company.