Stand Alone Dental Plan
- Thread starter lmt125
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I wish there was someone on the board with an Ameritas contract 
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I guess my comment wasn't read correctly as sarcasm.
thanks (?) for the email of the contract......even though I didn't request it
Usually people wait until they have 17.5 posts before they start soliciting hard on this forum
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I guess my comment wasn't read correctly as sarcasm.
thanks (?) for the email of the contract......even though I didn't request it
Usually people wait until they have 17.5 posts before they start soliciting hard on this forum
Last edited:
- 2,177
You're right the $2,500 max claim is overstated. But the $1,500 isn't even a real number for their top tier plan. From the brochure:
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.
Threshold amount: $500
Annual reward: $250
Maximum reward: 1,000
Annual maximum benefit: $1,500
The way I read this you have to keep your claims under $500 each year, but file at least one per year. Each year you do that your annual reward increases by $250 up to a max reward of $1,000. You add that to your $500 threshold amount and you get to $1,500--after 4 years.
This is their top tier of a three tiered plan. I'd be embarrassed to present this to a client I care about.
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- 2,177
Not interested. But I will share they're brochure here.
http://www.healthplan.com/ameritas/docs/brochure_dental.pdf
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- 2,177
A few posts earlier a link to this same website was posted and you quoted it with the reply, "I found the same."
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Since then I found the right plan
- 1,931
Here is the plan he is talking about. He seems to be the negative one. Thought he found a fish pond he could do some easy fishing. Found out it's not the case, we don't allow trolling and spam and we are negative for not allowing it. Who would want to work with this type? Good luck.
Here the info on his plan.
http://thehicgroup.usateamcorp.com/PageView.aspx?association=1&suitesFK=105&state=IL
No waiting period on major services, technically speaking. It only pays 10% on Endodontics, All Periodontics, Major Restorative and Anesthesia the first year and 40% the second year after you file a claim at the 10% level. If you file a claim at the 10% level, do nothing the next year and then file again the third year you are back at the 10% level.
Here the info on his plan.
http://thehicgroup.usateamcorp.com/PageView.aspx?association=1&suitesFK=105&state=IL
No waiting period on major services, technically speaking. It only pays 10% on Endodontics, All Periodontics, Major Restorative and Anesthesia the first year and 40% the second year after you file a claim at the 10% level. If you file a claim at the 10% level, do nothing the next year and then file again the third year you are back at the 10% level.
- 2,177
Thanks for the link. He just said Ameritas but provided nothing to view. Apparently they have more than one plan. This one has a similarly kooky structure, however. From the brochure:
Incentive Coinsurance: All members will begin at the lowest coinsurance level. Members will advance to year two coinsurance level if a claim is received in the first 12 months they are covered. If a claim is not received, members return to the lowest level of coinsurance.
Dental Rewards - Rewards insureds that care for their teeth and use only a portion of their annual maximum benefit in a year. With its increasing maximum feature, each insured member and dependent earns additional money toward his or her next year's annual maximum.
To get the maximum carryover for the next year, you must meet the following requirements:
1) Visit your Dentist between Jan. 1st and Dec. 31st.
2) Submit claim for payment prior to April 1st of the next year.
3) Total benefits paid for current year visits must be less than $750.
o If you meet all 3 requirements you will have an additional $400 available in Annual Maximum for the next year.
o In future years if you have benefits paid of less than $750, additional amounts of $400 will be added to the carryover. However, the most you can accumulate in the maximum carryover is $1,200.
o Your annual maximum will be $3,700 in four years if you continue to visit the dentist once each year!
All this for only $69 per month according to the details on the website.
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