Using your Ameritas benefits at Urban Dental Studio is simple, transparent, and designed to get you the care you need without the guesswork.
Insurance Accepted
If you carry an Ameritas dental plan, you can bring it straight to our office. Our front desk team works with Ameritas regularly, which means we understand how their plans are typically structured, what documentation they ask for, and how to help you get the most value out of the benefits you're already paying for. You won't need to decode confusing paperwork or guess what's covered before you come in - we'll walk through it with you.
Whether you're due for a routine cleaning, need a filling repaired, or are exploring a bigger treatment plan, our goal is to make the financial side of dentistry as clear as the clinical side. That starts with knowing your coverage before any work begins.
Understanding Your Plan
Ameritas is a long-standing insurance provider offering dental plans through employers, associations, and individual marketplaces across the country. Like most dental insurers, Ameritas structures its plans around tiers of care - typically grouping services into preventive, basic restorative, and major treatment categories, each with its own level of coverage. Many plans are also built around an annual maximum, a deductible that applies before certain benefits kick in, and sometimes a waiting period for more extensive procedures.
Because every employer group and individual policy is a little different, the exact percentages Ameritas covers for any given procedure can vary from plan to plan. Some plans emphasize preventive care almost entirely, covering routine exams, cleanings, and X-rays at a high rate with minimal out-of-pocket cost, while others extend more generous coverage toward restorative work like fillings, crowns, or root canals. Rather than asking you to interpret your policy on your own, our team verifies your specific plan details directly with Ameritas before your treatment, so you have a realistic picture of your expected costs ahead of time - not a surprise bill after the fact.
What You Can Expect
As a participating provider for Ameritas, we can often bill the insurer directly on your behalf rather than asking you to pay in full and seek reimbursement later. This reduces the amount of cash you need upfront and simplifies the entire visit from check-in to checkout.
Most Ameritas plans place strong emphasis on preventive services such as cleanings, exams, and diagnostic X-rays, often covering these visits at a high percentage. Keeping up with these appointments helps you catch issues early, which tends to cost less in the long run.
When a filling, crown, bridge, or other restorative procedure is needed, many Ameritas plans share a portion of the cost under their basic or major service categories. We'll outline the estimated coverage so you can plan your treatment with confidence.
Our billing team submits claims to Ameritas directly after your appointment, tracks the status, and follows up if anything is needed. You're kept informed, but you're not the one chasing down paperwork or phone calls with the insurance company.
Before any significant procedure, we provide a written estimate that reflects what we expect Ameritas to cover and what portion will likely be your responsibility. Clarity before treatment means fewer surprises on your statement afterward.
If a treatment extends beyond what your Ameritas benefits cover, we offer payment arrangements so cost doesn't stand between you and the care you need. We'll discuss these options openly, with no pressure, as part of your treatment planning conversation.
The Process
When you schedule your appointment, give us your Ameritas member ID and group number. This is all we typically need to start the verification process on our end before your visit.
Our team contacts Ameritas to confirm your plan's active status, remaining annual maximum, deductible, and coverage percentages for the services you're likely to need. This happens before your appointment whenever possible.
We'll walk you through an estimate that shows what Ameritas is expected to pay and what portion, if any, falls to you. You can ask questions and make decisions about your treatment with full information in hand.
You receive the treatment you need from our clinical team, without having to pause the visit for billing conversations. We take care of the behind-the-scenes coordination with your insurance.
After your appointment, our billing staff submits the claim to Ameritas on your behalf. We track its progress and respond to any additional requests from the insurer so the process keeps moving.
Once Ameritas processes the claim, we'll let you know if any balance remains based on your plan's coverage. If needed, we offer flexible ways to take care of that remaining amount.
Our Difference
Choosing where to use your Ameritas benefits matters as much as choosing the plan itself. Here's what sets our practice apart when it comes to insurance-supported care:
Hands-on insurance coordination. Our administrative staff handles Ameritas verification and claims directly, so you're not stuck on hold with an insurance call center trying to understand your own benefits.
Honest, upfront estimates. We present projected coverage and out-of-pocket costs before treatment begins, not as a surprise line item on a bill weeks later.
A calm, modern environment. Our studio is designed to feel more like a comfortable retreat than a clinical waiting room, which matters when you're already managing cost questions alongside treatment decisions.
Broad service range under one roof. From preventive cleanings to restorative and cosmetic work, many of the procedures your Ameritas plan may help cover are available here without a referral to an outside specialist.
Flexible scheduling. We offer appointment times built around real patient schedules, making it easier to use your benefits before plan years reset or waiting periods expire.
Common Questions
We work with a wide range of Ameritas dental plans, including those offered through employer groups and individual purchase. Because plan designs differ, we recommend confirming your specific plan details with our team before your visit so we can verify what applies to you.
It depends on your specific Ameritas plan, including your deductible, annual maximum, and coverage percentages for the service provided. We verify this information ahead of time and share an estimate with you before treatment so there are no surprises.
If a portion of your treatment isn't covered, we'll let you know in advance and discuss flexible payment options so you can move forward with your care without unnecessary delay.
No. Our billing team files claims directly with Ameritas on your behalf after your appointment and follows up on any outstanding items, so you don't have to manage that paperwork yourself.
Call our office with your member ID and group number and we'll perform a benefits check for you. You're also welcome to review your plan documents or contact Ameritas directly, and we're happy to help interpret what you find.
Join our family of satisfied patients with personalized dental solutions.
(240) 512-1571