Paul Sanchez
Ameritas offers hearing, vision, and dental insurance plans to its customers. The company provides individual plans for those who do not have insurance through an employer. Customers can access their insurance benefits by logging into their accounts on the Ameritas website or mobile app. Once logged in, customers can review policy details, pay bills, manage account information, and more. Customers can also access their ID cards, view claims status, explanation of benefits, and locate network providers.
| Characteristics | Values |
|---|---|
| Dental Insurance | Breakdown of dental visits, service provider, deductible and maximum benefit amounts, and dental provider location services. |
| Vision Insurance | Vision plan documents, ID cards, and savings opportunities. |
| LASIK Plan | LASIK plan documents and ID cards. |
| Hearing Insurance | Hearing benefit ID card. |
| ID Cards | Digital ID cards accessible via the Ameritas Benefits app and online member account. |
| Member Account | Access to dental and vision benefit information, claims status, explanation of benefits, and network provider search. Ability to update personal information, payment methods, billing frequency, add or remove dependents, and terminate coverage. |
| Provider Account | Quick access to benefit information, ability to submit claims electronically, send attachments, and view and download current fees. |
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What You'll Learn
Checking insurance benefits via the Ameritas app
The Ameritas Benefits app provides quick access to many of the same features available when accessing your account through a web browser.
To access the app, you will need your Member ID, which can be found on your ID card. If your policy does not include an ID card, you can simply provide your Member ID or your group number, which includes your policy/division/certificate number.
Once you have logged in, you can view your dental benefit summary or certificate of coverage to review your plan benefits and network information. The claims section will provide a breakdown of your dental visits, service provider, and a link to view your explanation of benefits (EOB). Here, you can also see how much you've saved with your dental plan and quickly check your deductible and maximum benefit amounts.
If you have a vision plan with benefits through a vision network, you can view plan benefits, submitted claims, and savings opportunities by logging into your separate account on either vsp.com or eyemed.com, depending on your plan.
The app also includes access to vision and LASIK plan documents and ID cards when elected. You can easily locate a dental or vision provider for yourself or your dependents and view their contact information.
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Logging in to your Ameritas account
Step 1: Navigate to the Ameritas Website
Begin by opening your web browser and navigating to the official Ameritas website, www.ameritas.com.
Step 2: Locate the Login Page
Once on the website, look for the "Sign In" or "Log In" option. This should be clearly visible on the homepage. Click on this option to proceed to the login page.
Step 3: Enter Your Credentials
On the login page, you will need to enter your login credentials. This typically includes your username or email address, and your password. Make sure to enter this information accurately to avoid any issues.
Step 4: Two-Factor Authentication (If Applicable)
In some cases, Ameritas may require two-factor authentication for added security. If you have set up this feature, you will need to enter a unique code sent to your mobile device or email address after entering your initial credentials.
Step 5: Access Your Account
Once you have successfully entered your credentials, you should be logged in to your Ameritas account. From here, you can explore the various features and services available.
Tips and Troubleshooting:
- If you have forgotten your password, click on the "Forgot Password?" link on the login page. You will be guided through a password reset process, often involving verifying your identity and then creating a new password.
- Keep your login credentials secure and safely stored.
- Ensure your browser is up to date and compatible with the Ameritas website.
- In case of any issues, contact Ameritas customer support for assistance.
By following these steps, you should be able to easily log in to your Ameritas account and access the benefits and services associated with your plan.
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Using an ID card
ID cards are not available with all Ameritas plans. If your plan does include an ID card, you can access it in your member account online or in the Ameritas Benefits app. Group dental and vision members are provided with ID cards with some plans as a convenient way to present your insurance information to the provider's office. If your plan does not include an ID card, you can give your member ID or your group number, which includes your policy/division/certificate number.
Individual dental and vision policyholders can give their member ID in place of an ID card. Your member ID is usually a 9- to 14-digit number found on your ID card. If you have a vision plan with benefits through a vision network, you can create a separate account through their website. You can view plan benefits, submitted claims, and savings opportunities at vsp.com or eyemed.com, depending on your plan.
Group dental and vision members can update their member information electronically by contacting their benefit administrator. Individual dental and vision policyholders can edit personal information and modify covered dependents in their member account under Billing and Account. Please allow 24 hours for all edits to be made to your ID card.
You can also access your dental and vision benefit information, ID cards, and network provider search in your member account. For dental policies, you can view claims status and explanation of benefits in your account as well. Full account services are available when accessing the account online through a web browser.
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Contacting Ameritas
Ameritas offers a variety of ways to get in touch, depending on your specific query.
Phone
Ameritas has several phone lines for different queries, including:
- Customer service helpline: 1-800-311-7871.
- Questions about existing individual or family plans: 1-800-300-9566.
- Plans purchased through employers: 1-800-659-2223.
- Retirement plan participants: 1-800-277-9739.
- Corporate office: 1-800-335-9858.
- Customer care representatives dealing with claims: 1-800-487-5553.
- Policy owners, payors, and beneficiaries: 1-800-745-1112.
- Financial professionals providing consultations: 1-800-923-2732.
- Dental providers: 1-800-755-8844.
- Provider relations: 800-755-8844, ext. 88327.
- Quality Control: 877-897-4328.
- Provider assistance: 800-366-5933, option 2.
Ameritas also provides several email addresses for specific queries:
- Group assistants: [email protected].
- Group dental and vision members: [email protected].
- Individual dental and vision policyholders: [email protected].
- Provider relations: [email protected].
For postal queries, Ameritas provides several mailing addresses depending on the nature of your query:
- Ameritas Advisor Solutions: P.O. Box 81889 Lincoln, NE 68501.
- Express Mail Ameritas Advisor Solutions: 5900 O St, Lincoln, NE 68501.
- Ameritas Life Insurance Corp: 5900 O Street, P.O. Box 81889, Lincoln, NE 68501-1889.
- Ameritas Investment Company, LLC: 5900 O Street, Lincoln, NE 68510.
- Ameritas Life Insurance Corp. of New York Retirement Plans Division: 1350 Broadway, Suite 1710, New York, NY 10018.
- Ameritas Investment Partners, Inc: 5945 R St, Lincoln, NE 68505.
- Ameritas Life Insurance Corp. of New York: 1350 Broadway, Suite 1710, New York, NY 10018.
- Ameritas Life Insurance Corp. Retirement Plans Division: 5900 O Street, Lincoln, NE 68510.
- Ameritas Investment Partners: 5945 R St, Lincoln, NE 68505.
- Group Administration: P.O. Box 81889 Lincoln, NE 68501.
- Provider Relations: P.O. Box 82611 Lincoln, NE 68501.
- Ameritas Attn: Human Resources: 5900 O St, Lincoln, NE 68510.
- Appeals/Quality Control: P.O. Box 82657 Lincoln, NE 68501-2657.
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Comparing in-network and out-of-network providers
When it comes to dental insurance, there are two types of providers that you can choose from: in-network and out-of-network. So, what's the difference between the two?
In-network providers are dentists who have contracted with your dental insurance company to provide services at predetermined rates. These rates are usually lower than you would pay out of pocket, which significantly reduces costs. In-network dentists offer more significant cost savings and are generally held to higher standards through credentialing and quality management programs, ensuring a high level of care. They also handle all claims submissions and related paperwork, simplifying the process for you. Before scheduling an appointment, it is important to verify that the provider is part of your insurance plan's network. You can do this by requesting a current list of network providers from your insurance company or by checking their online directory.
Out-of-network providers, on the other hand, have not agreed to your dental insurance plan's contracted rates. As a result, their services are generally more costly, and your insurance plan will typically cover a lesser percentage of these higher charges. This can lead to higher out-of-pocket expenses and a greater risk of reaching your annual plan maximum quickly, potentially limiting access to further needed care within the same year. It is always recommended to check whether providers are in-network to minimize expenses and maximize insurance benefits.
Ameritas offers one of the nation's largest dental networks, and members can easily locate a dental provider through their member account or the Ameritas Benefits app. They also provide access to vision plans through VSP and EyeMed, two of the biggest names in vision care. If you have a vision plan, you can create a separate account through their respective websites (vsp.com or eyemed.com) to view plan benefits, submitted claims, and savings opportunities.
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Frequently asked questions
You can check your insurance benefits by logging into your member account online or on the Ameritas Benefits app.
You will need your member ID, which can be found on your ID card.
You don't need an ID card to log in. If your policy includes one, you can access it in your member account. In most cases, your ID number is your social security number.
In your member account, you can update your personal information, add or remove dependents, update your payment method, and view your claims status and explanation of benefits.
You can create a separate account through their website (vsp.com or eyemed.com, depending on your plan) to view plan benefits, submitted claims, and savings opportunities.
