Ameritas Dental Insurance Cost in Texas (2026)
Real premium ranges for Ameritas individual, family, and senior dental plans in Texas — with a breakdown of what each tier covers.
No credit card needed · Coverage from $25/month · Texas licensed advisor
One of the most common questions I hear as a licensed Texas insurance advisor is: 'How much does Ameritas dental actually cost?' The answer depends on your age, the plan tier you choose, and whether you're covering just yourself or your family.
Below I've laid out 2026 premium ranges for Ameritas dental plans in Texas, along with what each tier actually covers so you can make an informed decision.
🦷 Why Ameritas Stands Out
Ameritas offers the best value per dollar at the mid-tier and comprehensive level for Texas individuals under 65. Seniors get the best value from the preventive + basic plan if they're primarily concerned with cleanings and minor restorative work.
Ameritas Plan Tiers at a Glance
| Tier | Monthly Cost |
|---|---|
| Preventive | ~$25–$30 |
| Basic Restorative | ~$38–$48 |
| Comprehensive | ~$55–$65 |
Frequently Asked Questions
What is the cheapest Ameritas dental plan in Texas?
Ameritas's entry-level preventive plan in Texas starts at approximately $22–$28/month for an individual. This plan covers two cleanings, two exams, and X-rays per year at 100% in-network with no waiting period.
How much does Ameritas dental cost for a family in Texas?
Ameritas family plans in Texas range from approximately $65/month for a basic family preventive plan to $135–$145/month for a comprehensive plan covering 2 adults and up to 3 children. Each additional child typically adds $12–$18/month.
What is the Ameritas annual maximum benefit in Texas?
Ameritas plans in Texas typically offer annual maximum benefits of $1,000–$2,000 depending on the tier. Comprehensive plans often include a rollover benefit where unused annual maximum rolls over to the next year, up to a lifetime maximum of $5,000.
Does Ameritas dental cover orthodontics?
Orthodontic coverage is available as an add-on or on Ameritas comprehensive plans. Texas plans typically cover 50% of orthodontic costs up to a $1,000–$1,500 lifetime orthodontic maximum for both children and adults.
Is there a deductible on Ameritas dental plans?
Most Ameritas Texas plans have a $50 individual deductible, waived for preventive care. Family deductibles cap at $150. Some plans offer $0 deductible options at a higher monthly premium.
Ameritas Dental · Texas
From $25/month. No waiting period on cleanings and X-rays. 10,000+ in-network Texas dentists.
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