Sunnyvale Dental Care believes the concept of maximums and deductibles is important to understand when obtaining dental health care. Your Sunnyvale dentist, Dr. Gupta and his highly trained staff will work closely with your Ameritas Dental Insurance Plan to ensure you are receiving the most out of your dental insurance.
Maximums refer to the amount of dollars allowed by your insurance company to be spent on your dental treatments per benefit period, which is typically 12 consecutive months or one calendar year. Ameritas offers a variety of dental insurance plans, some with high maximums, such as $2500 per benefit period and some less comprehensive plans with benefits in the $1000 range. Some specialty cosmetic procedures and elective treatments, such as teeth whitening, will not be applied to your maximum allowable because they are not covered. But routine care, like cleanings, or basic care such as fillings and even major treatments like crowns will be a covered benefit and when your insurance pays for them it will deduct from your maximum. Additionally, it’s important to understand that despite having dental insurance with Ameritas, not all treatments are covered at 100%. Your plan will oftentimes pay a percentage of the care rendered and the remaining portion will be your responsibility
Most Ameritas Dental insurance plans require a deductible to be applied prior to the plan paying for dental care. Deductibles are often not required prior to payment for preventive care, but do apply to basic and major restorative treatments. Deductibles only need to be paid once per benefit period and will be required again after the insurance plan renews.
Navigating these important features of your Ameritas Dental Insurance plan can be confusing. Sunnyvale Dentist Dr. Gupta believes optimizing your treatment plan to obtain the most from your dental insurance benefits promotes your best oral health. At Sunnyvale Dental Care we are committed to making the process of receiving care and maximizing your dental benefits as painless as possible!