Ameritas PrimeStar® Dental and Vision Insurance: Affordable, Flexible, and Ready When You Are

What is Ameritas PrimeStar® Insurance?

Ameritas PrimeStar® is a suite of individual dental and vision insurance plans that offer a wide range of benefits: next-day coverage, no waiting periods (on most services), and zero enrollment fees.

These plans are designed for convenience and flexibility, allowing members to maintain their health with minimal out-of-pocket expenses and broad provider networks.

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Perfect for Seniors and Medicare Supplement

Ameritas PrimeStar® plans are ideal for seniors and Medicare beneficiaries who want to enhance their coverage with dental and vision insurance. These plans make an excellent supplement to Medicare or Marketplace health plans.

• Choose basic or comprehensive plans depending on your specific needs.
• No restrictive provider networks – you’re free to visit any dentist you choose.
• Emphasis on preventive care helps catch problems early, saving money and maintaining long-term health.
• Easy online enrollment and billing make managing your plan simple.

With flexibility and convenience at its core, Ameritas gives seniors more control over their health care and fewer worries about gaps in coverage.

A Trusted Insurance Partner with a Proven Track Record

Ameritas isn’t just another insurance company—it’s a name backed by history, stability, and award-winning service. Founded in 1887, Ameritas has offered dental insurance since 1959 and vision insurance since 1984, serving more than 11 million people nationwide.

• Bilingual Support: Spanish-speaking claims associates and a wide range of translation services ensure every member is understood and supported.
• US-Based Call Centers: All customer service operations are handled within the United States, with no outsourcing.
• Award-Winning Service: Ameritas’ Customer Connections team has earned BenchmarkPortal’s Center of Excellence award every year since 2006.

Best of all, your coverage stays with you, no matter how your life changes. You can cancel anytime, and if your needs change, Ameritas offers the flexibility to switch plans or add benefits.

Explore Ameritas PrimeStar® Dental Plans: Lite, Boost, and Complete

Ameritas offers three robust dental insurance options under the PrimeStar® line—Lite, Boost, and Complete—each designed to meet a variety of dental care needs and budgets. Whether you’re seeking basic coverage, benefits for the whole family, or more comprehensive dental and hearing services, there’s a plan that fits your lifestyle. All plans come with no waiting periods, Preventive Plus, enhanced benefits starting in year two, and access to a nationwide Ameritas Dental Network.

Compare PrimeStar® Dental Plans: Lite, Boost, and Complete

When choosing the right dental coverage, Ameritas offers three PrimeStar® Dental Plans designed to meet a variety of needs and budgets—PrimeStar Lite, PrimeStar Boost, and PrimeStar Complete.

Plan Highlights at a Glance

To help you decide, see the table below for a detailed comparison of each plan’s benefits and features.

Plan Availability

Plans are offered in selected states, including AL, AZ, CA, CO, DC, DE, HI, IA, ID, IN, KY, MD, ME, MI, MN, ND, NE, NH, NV, OR, SC, SD, TN, UT, VT, WV. PA (except Forest and Potter counties), WY (except excluded WY ZIP Codes).

NOTE: The Lite plan is not available in Maryland; the hearing benefit is not available in New Hampshire.

Key Features of PrimeStar® Dental Plans Explained

Understanding the important features of the PrimeStar® Dental Plans can help you choose the right coverage for your needs. Below are detailed descriptions of key plan benefits and conveniences:

1. Preventive Plus Benefits

Preventive (Type 1) procedures, such as exams and cleanings, do not count against your annual maximum benefit. This means more of your coverage is preserved to help pay for Basic and Major dental procedures when you need them.

2. Increasing Annual Maximums

PrimeStar® plans provide a maximum annual benefit per person for Basic and Major dental services combined, which increases after the first year to give you more coverage over time.

3. Teeth Whitening Coverage (Boost Plan)

The PrimeStar Boost plan includes coverage for professional teeth whitening, a popular cosmetic procedure approved by the American Dental Association (ADA). With proper care, professional whitening results can last five to seven years.

4. Child Orthodontia Benefit (Boost Plan)

This lifetime benefit covers orthodontic treatments for dependent children up to age 19. It includes services such as teeth straightening, bite correction, and jaw alignment. Plan payments are prorated monthly over the length of the treatment program.

5. Hearing Benefits

Certain plans include benefits for hearing exams and hearing aids, paying 50% of hearing aid costs up to the maximum per ear. Hearing benefits are separate from dental maximums, and policyholders can regain full hearing aid benefits after five years or receive reduced benefits after three years if their hearing worsens.

6. Extensive Ameritas Dental Network

Ameritas Dental Network is one of the largest nationwide, giving members broad access to providers across the U.S. and Mexico.

• 98% of providers renew annually.
• Network dentists typically charge 25-50% less than standard rates, saving you money out-of-pocket.

7. Convenient Mobile App Access

With the Ameritas Benefits mobile app, policyholders can easily:

• Search for dentists.
• View dental and vision benefits.
• Track claims and access ID cards digitally.

8. Claim Allowances and Out-of-Network Costs

When using a network dentist, the Maximum Allowable Charge (MAC) limits what dentists can charge, reducing your costs. Out-of-network dentists are paid based on the Maximum Allowable Benefit (MAB), which may result in higher out-of-pocket expenses.

9. Credit for Prior Coverage (CPC)

If you switch from another fully insured dental plan, you may qualify for credit for prior coverage, allowing you to start with the highest benefit levels for Preventive, Basic, and Major services immediately. This credit does not apply to orthodontia or hearing benefits, and availability varies by state.

10. Additional Plan Information

• Coverage is available for individuals aged 18 and older, including dependents.
• Policies can start as soon as the next day after enrollment.
• Policyholders receive instant electronic access to their ID cards and policy information via the member portal, with an option to receive documents by mail.

NOTE: This summary highlights key features; actual policies contain full legal descriptions. Availability of specific plans and options may vary by location.

Explore PrimeStar® Vision Insurance Plans: Choice Vision (VSP) vs. Select Vision (EyeMed)

Ameritas doesn’t stop at dental. You can also add a vision plan to create a well-rounded coverage package or purchase vision coverage as a standalone plan. Just like their dental policies, Ameritas PrimeStar® vision plans include next-day coverage, no waiting periods, and zero enrollment fees.

You’ll have the flexibility to choose from top-rated vision networks, including VSP and EyeMed, depending on your state.

Plan Highlights at a Glance

To help you decide, see the table below for a detailed comparison of each plan’s benefits and features.

PrimeStar® Vision Networks: Choice Vision (VSP) vs. Select Vision (EyeMed)

When choosing between Choice Vision (VSP) and Select Vision (EyeMed) under the PrimeStar® Vision plans, understanding provider access, retail options, and added savings can help you get the most value from your vision insurance.

Choice Vision (VSP)

• Largest Independent Provider Network: VSP offers the nation’s largest network of independent eye care providers. Find a provider at vsp.com.
• Retail Partners: Includes Costco Optical*, Sam’s Club, Visionworks, and Walmart.
• Online Ordering: Purchase glasses online through Eyeconic.com, with benefits applied at checkout.
• Exclusive VSP Discounts: Save 20% on remaining frame balances, extra pairs of glasses, and non-covered lens options. Receive an additional $20 on featured frame brands. Discounts also apply to LASIK or PRK procedures.
• Account Management: After coverage begins, members can register at ameritas.com for plan details. Claims can be tracked via vsp.com or the VSP mobile app.

NOTE: Plan not available in Maryland, Massachusetts, Montana, Rhode Island, and Washington. Not all Costco providers are in-network with VSP. Verify provider participation before receiving care. Frame allowances at some retail locations may be lower due to wholesale pricing. 

Select Vision (EyeMed)

• Wide National Network: EyeMed offers access to a large mix of independent providers and top retail chains. Search the EyeMed Access network at eyemed.com.
• Retail Partners: Includes LensCrafters, Pearle Vision, and Target Optical.
• Online Ordering: Order eyewear from Glasses.com or ContactsDirect.com with benefits applied directly.
• EyeMed Savings: Enjoy 20% off the remaining frame balance, non-covered items, and non-prescription sunglasses. Discounts are available for LASIK and PRK vision correction procedures.
• Account Management: Members can register at ameritas.com and track claims through eyemed.com or the EyeMed app.

NOTE: Plan not available in Maryland, Massachusetts, Montana, New Mexico, Rhode Island, Washington, and the Pennsylvania counties of Forest, Huntingdon, Montour, and Sullivan. 

Important Limitations & Exclusions

Both the VSP and EyeMed vision plans come with specific limitations and exclusions that members should be aware of. The VSP plan does not cover cosmetic lenses, two pairs of glasses in place of bifocals, lost or damaged items outside of the covered frequency periods, vision therapy or training, medical or surgical treatment of the eyes, and contact lens refittings beyond the initial fitting period. 

Similarly, the EyeMed plan excludes services rendered outside of the stated frequency limits, medically necessary contact lenses more than once every 24 months, vision training, plano lenses, non-prescription sunglasses, replacement of lost or broken lenses and frames outside of scheduled intervals, and any claims submitted more than one year after the service date unless timely submission was not reasonably possible.

Both VSP and EyeMed networks under the PrimeStar® Vision plans offer convenience, affordability, and multiple access points, from in-person care to online shopping. Choosing the right plan ensures you receive the vision care you need with the flexibility that suits your lifestyle.

Sample Ameritas PrimeStar® Rates in Florida, Michigan, and North Carolina

To help you understand the affordability of Ameritas PrimeStar® dental and vision plans, below are sample monthly premium rates for individual coverage in select states. Rates may vary based on age, ZIP code, and plan type. These examples are for illustrative purposes and reflect common pricing in each state.

🔎 Get an exact quote by visiting the Ameritas enrollment site and entering your ZIP code.

INDIVIDUAL WITH VISION RIDER WITHOUT DEPENDENT

INDIVIDUAL WITH VISION RIDER WITH 1 DEPENDENT

Is Ameritas PrimeStar® Right for You?

If you’re looking for affordable, comprehensive, and easy-to-use dental and vision insurance, Ameritas PrimeStar® is a standout choice. From preventive care and orthodontics to hearing and vision benefits, these plans are designed to meet a wide range of individual and family needs.

Whether you’re a young adult seeking standalone dental insurance, a parent looking for orthodontia benefits, or a retiree needing a Medicare supplement, Ameritas has a plan to support your health and your budget.

Ameritas makes it easy to take the first step toward better dental and vision health. With next-day coverage, no waiting periods, and nationwide provider access, you can get the care you need without delay. 

Don’t wait until you have a dental emergency or need new glasses. Enroll in Ameritas PrimeStar® today and take control of your health with confidence.

👉 Visit the Ameritas website to enroll online and get a quote