Ameritas Dental Insurance in Florida
Ameritas offers dental plans in Florida with premiums starting at $25 per month. With all their dental plans, benefits and coverage for basic and major procedures increase after the first year of enrollment.
They offer family-friendly plans, too, covering things like orthodontic care for kids.
Their premium plans cost a bit more, but with their higher annual maximums and full coverage for preventive, basic, and major services, I believe they are worth it.
My goal is to help you choose the Ameritas dental plan that's right for you. In this article, I'll cover:
- Plans offered by Ameritas
- Premium comparisons
- Why I recommend Ameritas
To give you a full understanding, I'll also stack up Ameritas against Delta Dental, another popular dental insurance provider. We’ll compare differences in coverage, cost, and waiting periods between the two.
We'll start with reviewing all the dental plans offered by Ameritas.
Plans Offered by Ameritas Dental Insurance in Florida
Let's dive into the dental plans Ameritas offers and break down the details of what each plan covers:
#1. PrimeStar® Lite Plan
The PrimeStar® Lite plan is the most budget-friendly option in the Ameritas lineup, perfect for those who are primarily focused on maintaining oral health through preventive care.
- Preventive care coverage: 100% coverage for routine dental services like cleanings, exams, and X-rays, all with no waiting periods.
- Basic + major services: Basic services coverage begins at 50% in-network and increases to 80% after the first year, while major services coverage starts at 10% and increases to 20% after the first year.
- Annual maximum: $1,000 in the first year and increases as you maintain coverage.
PrimeStar® Lite is best for: those on a budget and focused on preventive care
This plan is perfect for young professionals, students, retirees, and anyone on a tight budget, since preventive services like cleanings, exams, and X-rays are covered at 100%.
For those who may not need immediate coverage for advanced procedures but want a safety net for minor dental work, the PrimeStar® Lite is a great option as a starter plan. Its increasing coverage for basic and major services after the first year makes it valuable for those anticipating future dental needs but not requiring extensive work right away.
#2. PrimeStar® Boost Plan
The PrimeStar® Boost plan is perfect for family coverage. It offers perks like teeth whitening and orthodontic care for kids, as well as coverage for preventive care and basic and major services.
- Preventive care coverage: 100% coverage for routine dental services like cleanings, exams, and X-rays, all with no waiting periods.
- Orthodontic coverage: This plan includes 50% coverage for child orthodontia. If you have children who may need braces or other corrective treatments, this plan can help significantly reduce those costs as well.
- Basic + major services: Basic coverage starts at 65% in-network, increasing to 80% after the first year, while major services coverage starts at 20% in-network, increasing to 50% after one year.
- Annual maximum: Up to $2,000 a year after the first year of enrollment.
PrimeStar® Boost is best for: families or individuals needing cosmetic and orthodontic care
The PrimeStar® Boost Plan is best for families with growing children or adults who might need orthodontic treatment. With child orthodontic coverage, this plan is ideal for parents anticipating the cost of braces or other corrective treatments for their children. This type of coverage is rare with other dental providers.
#3. PrimeStar® Complete Plan
The PrimeStar® Complete plan offers the most comprehensive coverage within the Ameritas dental insurance offerings, and it's a good choice for those who want extensive dental care with high coverage limits and additional benefits like hearing care.
- Preventive care: As with the other plans, preventive services like cleanings, exams, and X-rays are covered at 100% from the start.
- Basic + major services: Major services like crowns, bridges, dentures, and implants are covered at higher percentages than in the Lite or Boost plans. Basic coverage starts at 80% in-network and increases to 90% after the first year, while major coverage begins at 20% in-network and increases to 50% after the first year.
- Hearing benefits: Includes coverage for hearing exams and hearing aids.
- Annual maximum: Up to $3,000 a year after the first year of enrollment.
PrimeStar® Complete is best for: individuals or families needing comprehensive coverage
The PrimeStar® Complete Plan is best for individuals or families who expect to need significant dental work in the future, such as crowns, dentures, or implants.
Additionally, the inclusion of hearing benefits makes this plan a great option for those looking for more than just dental care. Seniors, in particular, will benefit from having both dental and hearing coverage in one plan, reducing the hassle of managing separate insurance policies.
#4. Hollywood Smile Plans
Ameritas also offers specialized plans like the Hollywood Smile Premier 2500 and Hollywood Smile Premier Plus 2000. These plans include access to extensive networks and discounted fees.
- Hollywood Smile Premier 2500: This PPO plan offers a $2,500 annual maximum benefit and discounted fees for dental procedures, which are typically 30% below average charges in your community.
- Hollywood Smile Premier Plus 2000: This plan provides a similar level of coverage with a $2,000 annual maximum, offering immediate network discounts and access to over 400,000 dental providers.
Hollywood Smile plans are best for: those looking for extensive networks and discounted fees
The Hollywood Smile Premier plans are designed for those who want access to a nationwide network of providers and the benefit of discounted dental fees. These plans are great for people who move frequently or live in areas with limited local providers.
With discounted fees that are usually about 30% lower than the average dental costs in your area, the Hollywood Smile plans are a great choice if you needs specialized dental care or regularly visits the dentist for more than just the usual cleanings.
Ameritas Dental Plans: Premium Comparison
Below is a look at the costs and features of each Ameritas dental insurance plan. Hopefully this will help you easily compare options and find the one that's best for you.
Plan Type
PrimeStar® Lite
PrimeStar® Boost
PrimeStar® Complete
Hollywood Smile Premier 2500
Hollywood Smile Premier Plus 2000
Monthly Premium (Starting Cost)
$25
$40
$57.26
$50-65
$45-60
Coverage
Preventive care at 100%, increasing coverage for basic and major services over time
Preventive care at 100%, orthodontic care for children, teeth whitening
Comprehensive coverage, up to $3,000 annual max, hearing benefits
PPO plan, $2,500 annual max, discounted fees (typically 30% below average)
PPO plan, $2,000 annual max, large network with immediate discounts
Why I Recommend Ameritas Dental Insurance
With a great network of providers and solid coverage options, Ameritas is a top pick for dental insurance in 2025.
I'll share a few reasons why I really value Ameritas:
Affordable coverage for everyone: Ameritas offers plans starting at $25 per month, making dental insurance accessible for individuals, families, and those with specific needs. Plus, there are no enrollment fees.
No waiting periods (for most services): One of the standout features of Ameritas Dental Insurance is that most of their plans come with no waiting periods. This means you can begin accessing your benefits as soon as you’re enrolled.
Massive network of dentists: With over 425,000 providers across the nation, Ameritas gives you the freedom to choose your dentist while ensuring that in-network care is never hard to find. Their provider network includes both specialists and general dentists.
Coverage that grows over time: For basic and major procedures, you’ll start at a lower coverage percentage in your first year, but you'll see that increase in your second and third years of enrollment. This is particularly valuable if you anticipate needing significant dental work in the future.
Award-winning customer service When you call Ameritas, 87% of your phone calls will be answered within 30 seconds. Plus, they have a 1.01% phone call abandonment rate, which shows that your questions will be addressed quickly and efficiently. Ameritas has also processed over 3.7 million claims with an impressive accuracy rate of 99.16%.
Ameritas vs. Delta Dental: Let's Compare
Choosing the right dental insurance can be tricky, and two big names that usually pop up are Ameritas and Delta Dental. They both have comprehensive plans, but they’re different in a few key ways.
Here's a quick rundown to highlight these differences:
Waiting Periods
- Ameritas: most of their plans have no waiting periods.
- Delta Dental: plans have a six-month waiting period for basic services like fillings and a 12-month waiting period for major services such as crowns or root canals.
Coverage and Benefits
- Ameritas: plans increase in coverage over time, which means that the longer you stay with the plan, the more comprehensive your coverage becomes. For example, you might start with 50% coverage for basic services in the first year, and that can increase to 80% by the third year. Preventive services like cleanings and exams are covered at 100% from the start, and certain plans even include orthodontic benefits for children, as well as cosmetic services like teeth whitening.
- Delta Dental: also offers a range of plans, with preventive services typically covered at 100%. However, their coverage for basic and major procedures does not increase over time like Ameritas. For basic services, Delta Dental typically starts at 80% coverage, and for major services, coverage starts at 50% after the waiting period.
Provider Network
- Ameritas: a massive network of over 425,000 dental providers nationwide, and also provides discounted fees for procedures at many in-network locations.
- Delta Dental: network size can be more limited with certain plan types, such as DeltaCare® USA, their HMO-style plan, which requires you to choose from a smaller, more restrictive network.
Additional Benefits
- Ameritas: offers vision and hearing benefits with certain plans. These include coverage for eye exams, eyewear, hearing exams, and hearing aids. T
- Delta Dental: does not typically include vision or hearing benefits within its plans.
Cost and Premiums
- Ameritas: premiums starting as low as $25 per month, with no enrollment fees.
- Delta Dental: premiums can also start around $25 per month for basic plans, but the monthly cost can be higher for more comprehensive coverage, especially when factoring in the waiting periods and benefit limitations.
Customer Satisfaction
- Ameritas: earned the Benchmark Portal’s Center of Excellence Award every year since 2006. Ameritas is known for quick claims processing, with 97% of dental claims being processed in just 9 days. Their call centers have extended hours and provide a highly efficient customer experience.
- Delta Dental: also offers reliable customer service, though the level of satisfaction can vary by region and plan. While their claims processing is generally efficient, they are not at the same level as Ameritas.
In a nutshell:
Ameritas and Delta Dental both offer solid dental coverage, but Ameritas is the better pick with no waiting periods, increasing benefits, and extra coverage for vision and hearing.
My Final Thoughts
I think Ameritas Dental Insurance really hits the mark when it comes to affordability, comprehensive coverage, and top-notch customer service.
With a huge network of providers, no waiting periods, and coverage that get better over time, Ameritas is a great pick whether you're looking at individual coverage or family plans.
If you're in the market for dental insurance and need some help navigating the different plans, I'm happy to help you explore your options.
FAQs
Most Ameritas dental plans do not have waiting periods for preventive services, meaning you can start using your benefits immediately after enrollment.
Ameritas offers a range of plans with premiums starting as low as $25 per month, depending on the type of coverage and your location. More comprehensive plans, like the PrimeStar® Complete, may cost around $57 per month and provide higher coverage limits and additional benefits.
Some Ameritas plans, such as the PrimeStar® Boost plan, offer orthodontic coverage for children.
Ameritas has a large network of providers, and most plans allow you to see any dentist you choose. However, using an in-network provider can save you money in out-of-pocket costs.
Some Ameritas plans include additional vision and hearing benefits, including coverage for eye exams, eyewear, hearing exams, and hearing aids.
With over 16 years of experience, Matt Kiggins is a senior editor at Florida Insurance Guide. He provides detailed advice on Florida Medicare, life insurance, and dental coverage across forty states. As an reputable authority in the industry, Matt specializes in health plan selection. He holds a resident 2–15 Florida Health & Life Agent License(# P116762) and is a co-founder of Policy Guide, an insurance agency in Pensacola, FL.
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