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Member Services:
Ameritas Life Insurance Corp.
PO Box 81889
Lincoln, NE 68501-1889
1-800-487-5533
low cost health insurance

Highlights

Up to $2,500 per person per year with additional carry-over provision for unused benefits that increases maximum coverage in future years.
Up to $1,000 orthodontia coverage
Stronger benefits in first year of policy: 100% of maximum covered expense available in first year for preventative, basic and major treatments
One year policy commitment
discounts for vision, hearing, laser vision correction 
Use any dentist or benefit from pricing discounts with a national network of 235,000+ providers

A unique dental insurance for individual and families available in 41 states. This plan offers maximum benefits of $2,500 per person per year and orthodontic benefits of $1,000. Use the dentist of your choice or access discount pricing from a network of more than 235,000 dentists. Includes coverage for preventive, basic and major treatments(onlays, crowns, root canal), routine exams, fluoride treatment, and orthodontia. Additional discounts for teeth whitening.

Four levels of coverage allow you to match a plan to fit your budget. This dental insurance can be combined with Core Health Insurance supplemental medical coverage.
low cost health insurance
Who is eligible?
Individuals over age 18 (children may be covered as dependents) and living in any state except FL, ID, IN, MA, MD, NH, NY, OH, VA, and VT. US citizenship is not required. There is no maximum age for coverage. Prior medical or dental history does not affect eligibility.
low cost health insurance
About the Insurance Company
Core Health Insurance is
underwritten by
Ameritas Group and administered by SAS Insurance Development


Core Dental Insurance logo

News

This new Core Dental Insurance was introduced in September 2012 in 40 states. It is currently the only plan available to individuals and families without a waiting period requirement before coverage of major services becomes effective.

Ameritas Group recently announced a significant increase in the number of providers in its national dental network (June 2012). Find a dentist in the network by name, location, specialty or language spoken.

Product Review

The complete product description including eligibility, pricing, benefits, coverage options, limits and exclusion is available at www.coredentalplans.com so this is not reproduced here.

A listing of Frequently Asked Questions is also available.

Following is a sample Outline of Coverage. (Coverage may vary by state or over time so see your actual policy for details):

DENTAL INSURANCE


Outline of Coverage
Individual. 9000 PA Ed. 11-09

THIS POLICY PROVIDES DENTAL EYE AND HEARING CARE BENEFITS
THIS IS NOT A MEDICARE SUPPLEMENT POLICY


1. READ YOUR POLICY CAREFULLY. This outline of coverage provides a very brief description of the important features of the coverage. This is not the insurance policy and only the actual policy provisions will control benefit administration. The policy sets forth the definitions of the capitalized terms referred to below.

The policy itself sets forth in detail the rights and obligations of both you and Ameritas Life Insurance Corp. It is, therefore, important that you READ YOUR POLICY CAREFULLY!

2. DENTAL, EYE CARE and HEARING COVERAGE. This policy is designed to provide coverage for certain dental (and eye care and hearing) services. Coverage is not provided for basic hospital, basic medical surgical, or major medical expenses.

3. BENEFITS. We will review benefits subject to the limitations and exclusions described here and more specifically in the policy. When you visit a Participating Provider, a discounted fee is charged for covered services. This is intended to reduce your out of pocket costs. The Provider may bill you the difference between the plan payment and the discounted fee amount. If you visit a non-Participating Provider, the Provider may bill you the difference between the plan payment and the dentist's actual charge. Plan payment may be based on usual and customary charges or a set scheduled allowance as described in your policy.
DENTAL
DENTAL
Deductible Amount $0
Deductible Amount $0
Coinsurance Percentages
Coinsurance Percentages
Type 1 Procedures 100% of Schedule
Type 1 Procedures 100% of Schedule
Type 2 Procedures 100% of Schedule
Type 2 Procedures 100% of Schedule
Type 3 Procedures 100% of Schedule
Type 3 Procedures 100% of Schedule
Maximum Amount
Each Benefit Period
$2,500
Maximum Amount
Each Benefit Period
$2,500
ORTHODONTIC
ORTHODONTIC
Deductible Amount - Once per lifetime $0
Deductible Amount - Once per lifetime $0
Coinsurance Percentage 50%
Coinsurance Percentage 50%
Maximum Benefit During Lifetime $1,000
Maximum Benefit During Lifetime $1,000
EYE CARE
EYE CARE
Deductible Amount $0
Deductible Amount $0
Maximum Amount
Each Benefit Period
$100
Maximum Amount
Each Benefit Period
$100
HEARING CARE
LASIK
Deductible Amount $0
Deductible Amount $0
Coinsurance Percentage
Coinsurance Percentage 100%
Lifetime Maximum Benefit per Eye
Exams 100%
LASIK
1st Benefit Period $125 per eye
2nd Benefit Period $125 per eye
Deductible Amount $0
Coinsurance Percentage 100%
3rd Benefit Period $250 per eye
4th + Benefit Period $250 per eye
Lifetime Maximum Benefit per Eye
1st Benefit Period $125 per eye
FUSION (Applies to both Dental and Eye Care Procedures)
Maximum Amount
Each Benefit Period
$2,500
2nd Benefit Period $125 per eye
3rd Benefit Period $250 per eye
4th + Benefit Period $250 per eye
FUSION (Applies to both Dental and Eye Care Procedures)
Maximum Amount
Each Benefit Period
$2,500



4. EXCEPTIONS, REDUCTIONS, AND LIMITATIONS OF THE POLICY:

YOUR POLICY CONTAINS A COMPLETE LISTING OF PROCEDURES COVERED AND ANY FREQUENCY OR OTHER LIMITATIONS ON SPECIFIC PROCEDURES. Certain Covered Expenses may be subject to a Waiting Period (an Elimination Period). Please refer to your policy for details.

Alternate Benefit Provision - At times, two or more procedures are considered adequate and appropriate treatment. In this case, the benefit paid will be based on the charge for the least expensive procedure.

Certain expenses are not covered. For instance, procedures begun prior to your Effective Date are not covered. This policy does not provide benefits for lost or stolen appliances or cosmetic procedures. It also does not cover hospitalization or prescription drugs. This is not a complete list of exclusions. A full list is in your policy.

5. RENEWABILITY. The policy is guaranteed renewable by payment of the premium in effect at the beginning of each renewal period. Policy termination is governed by the termination provisions in the policy.


THIS OUTLINE OF COVERAGE IS ONLY A BRIEF SUMMARY OF YOUR POLICY.
THE POLICY ITSELF SHOULD BE CONSULTED TO DETERMINE
GOVERNING CONTRACTUAL PROVISIONS.

Pros

Stronger benefits in the first year of the policy than other competing dental insurance options.

Easy online billing and claims lookup.

Cons

An initial policy purchase commitment of one year is required in order to benefit from the higher immediate coverage benefits for a new policy.


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.