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Occasionally, some dental offices say they don't accept our insurance. It's because they may be used to working with group insurance plans that have networks. They're trying to be helpful by letting you know we're not in their network, and incorrectly assume you could get in-network services at a different dental office. If this happens to you, assure the office that this insurance has no network restrictions and pays benefits for covered services from any dentist. Also, be sure to ask if they'll file your claim for you.

Ninety-eight percent of dentists accept and file claims for our customers, so it would be extremely rare for a dentist not to file a claim for you. However, if this happens, it's probably because the dental office is used to only filing claims for patients who are a part of a network. Most dentists provide the extra service of submitting claims; the insurance payment is then sent directly to them and they can bill you for the remaining balance, if any. If your dentist doesn't file the claim, you can submit it on your own. You have two options:

• Option 1: Download a dental claim form from the Customer Center. After you complete the top portion, have your dentist fill out the bottom. Then, send the form to Ameritas.


• Option 2: Send Ameritas the original copy of the itemized dental bill (the one with the dental procedure codes). Be sure to send a cover letter with your contact information and insurance policy/certificate number. In most cases, when you submit the claim on your own, the benefit check will be sent directly to you. These claims are typically processed within seven days of receiving them.