Dental
Available for Full-Time and Part-Time Krispy Kremers
Unplanned dental expenses can really bite. That’s why you have two great dental coverage options to sink your teeth into.
You have two choices for dental coverage through Ameritas, the Core Option and the Premium Option.
The Core Option
The Core Option covers 100% of preventive care (like routine cleaning and exams) and 80% of basic care (like fillings) when you visit an Ameritas provider but does not cover major care (crowns and bridges) or orthodontia. The paycheck contributions are lower than they are for the Premium Option, but the annual benefit maximum (the total amount of expenses the plan will cover in a year) is lower.
The Premium Option
The Premium Option covers 100% of preventive care and 80% of basic care (similar to the Core Option) when you visit an Ameritas provider but it also covers 50% of reasonable and customary expenses related to major care and orthodontia. The paycheck contributions are higher than they are for the Core Option, but the annual benefit maximum is higher.
Looking for a dentist? Visit Ameritas to locate a dental provider near you.
Sign in to Your Ameritas Member Account
Get direct access to online benefit information to take full advantage of your benefits. Visit ameritas.com and sign in to your secure member account using the ID number located on your ID card. If you don’t know your ID number, please call 800-487-5553.
In your secure member account, you can:
- go paperless – receive EOBs electronically
- view your certificate of coverage, dental benefit summary and pretreatment estimates
- check the status of pending and paid claims, plan maximums, and deductibles
- download your ID card
- locate an Ameritas Dental Network provider near you to save up to 25-50%
- get estimates for dental procedure costs from network and out-of-network dentists
Comparing Your Options
| Core | Premium | |
|---|---|---|
| Type 1 Preventive Routine Exam (2 per benefit period) Bitewing X-rays (1 per benefit period) Cleaning (2 per benefit period |
100% | 100% |
| Type 2 Basic Surgical/Simple Extractions Restorative Amalgams Restorative Composites Endodontics (nonsurgical/surgical) Periodontics (nonsurgical/surgical) |
80% | 80% |
| Type 3 Major Crowns – 1 in 5 years per tooth Prosthodontics (Bridges, Dentures) – 1 in 5 years |
Not covered | 50% |
| Deductible | ||
| Type 1 | $0 | $0 |
| Type 2 and 3 | $50 per person, per calendar year | $50 per person, per calendar year |
| Family Maximum | $150 per calendar year | $150 per calendar year |
| Benefit Year Maximum | ||
| Type 1 and 2 (per person, per calendar year) | $1,000 | $1,500 |
| Orthodontia Benefits (adult ortho included) | ||
| Plan Benefit | Not covered | 50% |
| Lifetime Deductible | Not covered | $0 |
| Lifetime Maximum (per person) | Not covered | $1,000 |
2024 Weekly Paycheck Contributions
| Core | Premium | |
|---|---|---|
| Employee only | $4.38 | $7.69 |
| Employee + spouse | $8.47 | $14.90 |
| Employee + children | $7.85 | $15.65 |
| Employee + family | $11.92 | $22.83 |
