Ameritas

Ameritas health insurance offerings fall under the supplemental health insurance policy heading. This means that Ameritas is not a full service health insurance provider; instead, their offerings are limited to dental, hearing and eye care, which are considered to be supplemental coverage types. However, this is not to say that Ameritas Group health insurance coverage is overly limited; as a supplemental provider, they have received high ratings for their dental, hearing and eye care insurance services. A supplemental health insurance policy from Ameritas is considered dependable, as the company has an accuracy of over 99% on submitted claims. This means that less than 1% of the company's claims are objectively mishandled. Ameritas Group vision and dental insurance is often offered as a part of a larger health care plan, and many employers use Ameritas as a benefit.

There are several other advantages to supplemental health insurance through Ameritas Group. The company has both English and Spanish speaking customer service representatives, which improves accessibility for primary Spanish speakers. An online claims management system helps health plan owners to submit claims and follow the progress of their payments. Ameritas has a standard claim turnaround time of under two weeks (10 business days), which is relatively fast compared to other supplemental providers. Ameritas Group also has a history of over 20 years of service and is rated as financially strong and has obtained an A.M. Best rating of A, indicating a likelihood of survival over the next several years. This is an important consideration when shopping for any type of health insurance policy, because financially weak providers can fold suddenly, causing a lapse in coverage for their insurance policy holders. Ameritas also has a relatively high annual maximum for their supplemental health insurance policies; the maximum was recently raised to $5,000, and the company released a statement indicating that future changes are likely depending on the needs of their customers.

Ameritas is a part of UNIFI Companies, a group of companies that includes Ameritas Life Insurance. The section of the company offering dental, hearing and vision insurance is known as Ameritas Group. As with all insurance companies, Ameritas uses a combination of actuarial statistics to determine rates for their customers. When purchasing health insurance through Ameritas, buyers should consider several supplemental health insurance quotes, particularly when buying a combined policy with dental insurance, vision insurance and hearing insurance. Comparing quotes is the best way to find a low cost health insurance plan, and it's a particularly effective when purchasing vision and dental insurance, as these supplemental coverage types can often vary greatly in cost from one insurance provider to the next.