What are the differences between Type 1, Type 2, and Type 3 dental services?
How do incentive and reverse incentive co-insurance models work?
What deductible types are available, and how do family maximums apply?
What are maximum rewards and prevention plus enhancements?
How do annual maximums and lifetime maximums differ for dental coverage?
What does the 90th UNC allowance mean for out-of-network coverage?
Out-of-network reimbursement based on 90th percentile of usual charges in the area.
How do ADA codes and procedure listings affect plan design?
Codes define covered procedures; limitations apply by age, frequency, and placement.
What network(s) does Ameritas Dental use?
Ameritas PPO network nationwide; passive PPO allows same benefits in/out of network.
How do Ameritas PPO and passive PPO networks differ?
PPO offers better pricing in-network; passive PPO pays same coinsurance regardless of network.
What does “In Network” & “Out of Network” mean for dental coverage?
Is Ameritas dental insurance portable when an employee leaves the company?
Group dental is not portable; COBRA may apply. Individual plans are separate.
What are the rules around waiting periods and late entrant penalties?
How are takeover provisions handled for dental plans?
Ameritas honors prior coverage to waive waiting periods for new groups.
How is orthodontia treated differently in Ameritas dental plans?
Separate lifetime maximum; coinsurance applies; age limits often under 19.
What are the typical age limits and lifetime maximums for orthodontia?
Typically under age 19; lifetime max varies by plan (e.g., $1,000–$2,000).
What documentation is required for accurate quoting?
Census, current plan summary, prior rates, claims experience for accurate quote.
How do group characteristics affect underwriting and rates?
Size, location, industry, participation, employer contribution affect rates.
What is the role of SIC codes in risk assessment?
Used to assess industry risk and set competitive pricing.
What is the difference between a Geo Access Report and a Disruption Report, and how would you request them to respond to an RFP?
What is the structure of the Ameritas–Reliance Matrix partnership?
Ameritas handles dental/vision; Reliance Matrix manages life/disability. Shared BD support.
How can reps negotiate rates or interact with Ameritas underwriting?
Work through Ameritas BD and underwriting; provide competitive justification.
What plan design options are available (e.g., PPO, dual/triple options)?
PPO, passive PPO, dual/triple options for flexibility.
Who is your Ameritas Business Development Rep?
Name your assigned Ameritas BD contact for your region.
Who is your main Ameritas Underwriter?
Ameritas underwriting team handles case pricing and exceptions.
What billing options are available for dental, and is billing consolidated with life and disability?
Electronic and paper billing available; can consolidate with life/disability for ease.