Ameritas Dental Insurance Review 2026
Our honest, licensed-advisor analysis of Ameritas dental plans for Texas residents — costs, network, and who it's best for.
No credit card needed · Coverage from $25/month · Texas licensed advisor
Ameritas is one of the most popular dental insurance carriers in Texas, known for its large provider network, competitive premiums, and no waiting period on preventive care. But is it the right plan for you? As a licensed Texas insurance advisor, I've reviewed dozens of dental plans — here's what you actually need to know about Ameritas.
Ameritas offers three main plan tiers in Texas: a basic preventive plan, a mid-tier plan covering basic restorative procedures, and a comprehensive plan that includes major procedures like crowns, bridges, and orthodontics. Premiums range from approximately $25/month for an individual preventive plan to $65/month for full comprehensive coverage.
🦷 Why Ameritas Stands Out
Ameritas stands out from Delta Dental and Cigna on two key points: (1) No waiting period on preventive care — your cleanings and X-rays are covered from day one. (2) One of the largest PPO networks in Texas, with 5,000+ in-network dentists statewide.
Ameritas Plan Tiers at a Glance
| Tier | Monthly Cost |
|---|---|
| Preventive | ~$25–$30 |
| Basic Restorative | ~$38–$48 |
| Comprehensive | ~$55–$65 |
Frequently Asked Questions
Does Ameritas have a waiting period in Texas?
Ameritas has no waiting period for preventive care (cleanings, X-rays, exams). Basic restorative procedures like fillings typically have a 3-month waiting period, and major procedures like crowns have a 12-month waiting period. Some plans offer a no-waiting-period option at a higher premium.
How big is the Ameritas dental network in Texas?
Ameritas has one of the largest dental PPO networks in Texas, with over 10,000 in-network access points statewide through its Prime Dental network. Most major Texas cities have hundreds of participating dentists.
What does Ameritas dental insurance cost in Texas?
Individual Ameritas dental plans in Texas range from approximately $25/month for a basic preventive plan to $65/month for full comprehensive coverage. Family plans typically range from $65–$140/month depending on the number of covered dependents.
Does Ameritas cover dental implants?
Ameritas covers dental implants on their major restorative plans, typically at 50% after the deductible once the waiting period has been satisfied. The exact coverage depends on your specific plan tier.
Is Ameritas better than Delta Dental in Texas?
It depends on your priorities. Ameritas generally offers more competitive premiums and similar network size to Delta Dental Premier in Texas. Delta Dental has better brand recognition with employers, but for individual plans, Ameritas often wins on value. See our full comparison at /dental/ameritas-dental-vs-delta-dental.
Ameritas Dental · Texas
From $25/month. No waiting period on cleanings and X-rays. 10,000+ in-network Texas dentists.
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