Protecting your smile starts with that six month routine visit to the dentist. Data shows that good dental health is essential to your overall health. If you forgo your six month cleanings and exams, then you may be in need of dental insurance with no waiting periods. GPM Dental Insurance is a plan designed for people who need immediate coverage on crowns, root canals, implants and other expensive services. GPM dental insurance underwritten by Ameritas.
GPM Dental Insurance Plans Without Waiting Periods
The first thing to know if there are two types of plans. One plan is more affordable and designed for those who will utilize a Ameritas Dental Network provider. And the second option is for those who can utilize ANY Dentist they want to see. If you utilize the Ameritas Dental Network you plan includes:
- Discounted fees, typically 30% below average charges in your community
- Immediate network discounts
- One of the largest nationwide networks with over 404,000 access points and 102,000 unique providers. Click here to check the network.
If you use a network provider, the paid benefits are based on a negotiated Ameritas fee schedule. If you use a network dentist, your out-of-pocket costs will be lower because of the negotiated fees. If you use a non-network provider, your out-of-pocket costs will be based on what the provider charges, which may result in higher out-of-pocket costs.
- No waiting periods: Fillings, Implants, Crowns, Root Canals, Bridges, Dentures.
- No enrollment fees
- $2,500 calendar year Maximum Benefit combined for Preventive, Basic and Major Services
Notice: When you visit an Ameritas Dental Network provider, Ameritas sends payment directly to the dentist. There is no balance billing – which means the Network provider may not charge you the difference between their usual fees and the negotiated fees agreed to by the provider. When you visit an out-of-network dentist, you must pay the difference between what the plan pays and the dentist’s actual charge and may have to submit your own claim.
Plan options utilizing the Ameritas dental network: The Dental 2500 Network (MAC/MAB) plan is designed for those who will visit an Ameritas dental network provider. If you visit an in-network provider, your out-of-pocket costs will almost always be less because of the contracted fees (MAC/maximum allowable charge). If you visit an out-of-network dentist, you pay the difference between what the plan pays and the dentist’s actual charge (MAB/maximum allowable benefit), which may result in higher out-of-pocket costs.
The Dental 2500 plan is designed for those who value the freedom to visit any dentist, but will enjoy additional savings with an Ameritas dental network provider. While all of our plans allow you to choose any dentist, this plan offers you richer benefits out-of-network than our Network plan. If you use a non-network dentist, covered benefits are paid at the 80th percentile of usual and customary charges. You pay the difference between what the plan pays and the dentist’s actual charge. If you use an in-network provider, your out-of-pocket costs will be based on the contracted fees (MAC/maximum allowable charge), which may result in lower out-of-pocket costs.
No Waiting Period Dental Insurance by GPM Health and Life Insurance Company is Underwritten by Ameritas Life Insurance Company.
Preventive Services (type 1)
Exams (2/year), Cleanings (2/year), Bitewing X-Rays
Plan Pays Day 1 100%
Basic Services (type 2)
Fillings, Simple Extractions, X-Rays (panoramic),
- Plan Pays Day 1 50%
- Plan Pays After year 1 65%
- Plan Pays After year 2+ 80%
Major Services (type 3)
Implants, Oral Surgery, Endodontics, Periodontics, Crowns, Bridges, Dentures
- Plan Pays Day 1 25%
- Plan Pays After Year 1 50%
Plan Pays After Year 2+ 50%