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Underwritten by Physicians Mutual Insurance Company

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Frequently Asked Questions About Dental Insurance

This dental insurance includes valuable features like:

  • Helps cover over 350 dental procedures
  • No deductible and no annual or lifetime maximum on the amount of cash benefits you can collect
  • Immediate coverage for preventive care (routine exams, X-rays and cleanings)
  • Freedom to see any dentist you like, or save average of 33% on covered services by choosing a dentist from our network of over 470,000 provider locations*.
  • Three benefits levels to choose from — Economy Plus, Standard Plus and Preferred Plus

*National averages are subject to change, October 2017.

You can go to any dentist you wish, but, if you see an in-network dentist, you can save average of 33% on covered services*.

*National averages are subject to change, October 2017.

Dental insurance is real insurance. You pay a monthly premium to an insurance company and that company pays cash benefits for covered dental services.

A dental discount plan does not pay any dental expenses. Instead, you are enrolled in a program that offers reduced prices on dental services when you visit an in-network dentist.

No. Your acceptance is guaranteed. As long as you're over age 18, and do not already have dental insurance with us, you will be accepted, no matter what the current state of your dental health is.

There are no deductibles. This can help limit your out-of-pocket costs.

All three plans help cover the same 350 procedures. The difference between the plans is the set dollar amount they pay. For example, the Preferred Plus plan pays up to $159 for a cleaning, exam and X-rays, while the Standard Plus plan pays up to $135 and the Economy Plus plan pays $112.

The Preferred Plus plan pays the highest set dollar amount. For example, the Standard Plus plan pays about 28% more than the Economy Plus plan and the Preferred Plus plan pays about 22% more than the Standard Plus plan.

You can pay by Automatic Bank Withdrawal (ABW) or monthly credit card online. If you would like to hear about other billing options, please contact us at 1-800-228-91001-800-228-9100.

Like most dental insurance policies, our dental coverage has waiting periods. Beginning immediately, our coverage pays benefits for Preventive Care services — things like cleanings, exams and X-rays. After three months, our protection helps cover Basic Care services — things like fillings, tooth extractions and minor oral surgeries and after twelve months, our coverage helps cover Major Care services, things like crowns, bridges, dentures and root canals.

Yes. You are guaranteed to keep your coverage as long as you pay premiums on time. We will only cancel your coverage due to fraud, intentional misrepresentation, your coverage eligibility ends (C250A series only), or if all other certificates/insurance policies of this form and class are canceled in the state where you live.

No, dental care (with only a few exceptions) is not covered by Medicare*No, Medicare does not cover dental care** and many people are shocked to discover this when they retire. Review the details online or call 1-800-228-91001-800-228-9100 for more information.

** "Medicare & You," Centers for Medicare & Medicaid Services, 2017.

Yes. If you're not 100% satisfied with your insurance policy, you can return it within 31 days for a full refund. No hassles, no questions asked.

For dental claim and benefit questions, contact Ameritas at 1-877-667-6187 1-877-667-6187 . For customer service, contact Physicians at 1-800-228-91001-800-228-9100.

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If you'd like to talk with someone about your insurance options, we're here to help.

Give us a call at 1-800-469-81381-800-469-8138.

Arizona resident limitations

New York resident limitations

Quote includes the Participating Providers and Preventive Benefits Rider.

This coverage and offer are not available in all states. Please contact us to see what coverage may be available in your area.

Important Disclosure Information

Insurance Certificate C250A (ID: C250E; PA: C250Q); Insurance Policy P150 (FL: P150FL; GA: P150GA; NY: P150NY; OK:P150OK; TN: P150TN; TX: P150TX); B424/B426 Riders