Dental and Vision Insurance Plan FAQs

Insurance Plan Sections

Dental FAQs

Find answers to commonly asked questions about Alpha Dental insurance plans. Learn how to enroll, file a claim and more. If you can’t find the answer to your question here, please contact AlphaDentalPlan.com at 800-807-0706

Who is eligible to purchase the plan?

The insurance coverage is available in states where it’s approved to anyone age 18 and older who does not have coverage through another Ameritas dental plan. You can request coverage for your dependents; dependent eligibility varies based on state law.

Can I see the dentist I have now?

Yes, you are always free to visit the dentist of your choice. The Ameritas Dental Network offers more than 471,000 access points nationwide for dental care, which means you benefit from credentialed dentists who offer a discount on services provided. Find a provider using our Provider Search.

Are my rates guaranteed?

Your rates are guaranteed for 12 months following your plan’s effective date. After that, you will receive at least 30 days’ notice (more if required by state law) if your rates change.

Do I have coverage outside of the state I live in?

Yes, if you are traveling or have a covered dependent living in a different state, you will still have coverage.

How do I submit claims?

You or your dentist may submit completed claim forms along with any requested information to Ameritas Life Insurance Corp., P.O. Box 82520, Lincoln, NE, 68501-2520, fax 402-467-7336. Dentists may submit claims electronically. For seven years running, our claims contact center associates have earned BenchmarkPortal’s Center of Excellence award, an achievement held only by a handful of companies. We believe that being able to count on us for great claims service is one big reason our customers keep coming back.

What is the frequency limit for teeth cleanings?

With AlphaDentalPlan.com dental insurance plans, you receive 3 cleanings per year for most plans.

What are waiting periods?

This is the time a member must wait from the effective date of coverage for certain procedures to be covered. These are different for each plan. We offer plans with no waiting periods.

What dental plan should I choose?

Some dental plans may work better for you or your family.  Here are a few questions to ask yourself, while reviewing plans:

  • Are there waiting periods for certain procedures?
  • Does this plan require you to use a network of dentists or can you use any dentist you choose? If the plan has a network, what dentists participate in the plan's network?
  • If I used a dentist outside the plan's network, what will the benefits be?
  • Does the plan charge an enrollment or application fee?
  • Is there a deductible on the plan?
  • What is the maximum benefit amount?

We can help you to figure out the right plan for you. Download our Plan Comparison Worksheet to help you compare plans. You may also contact our Alpha Dental Plan Sales Team at 800-807-0706

Vision FAQS

Vision Rider

I added EyeMed vision to my plan, how can I look for vision providers?

EyeMed includes such familiar names as LensCrafters, Pearle Vision, Sears Optical and Target Optical along with thousands of independent optometrists, ophthalmologists and opticians.  For more information or to find a participating doctor, go to EyeMed.com and select the Access Network or call 866.939.3633. EyeMed vision not available in the following states: AK, IL, KS, MA, NJ, NY PA, TX, VT, WA.

Vision Insurance

Who is eligible to purchase an Individual Vision plan?

The insurance coverage is available in approved states to anyone age 18 and older who does not have coverage through another Ameritas dental plan. You can request coverage for your spouse or dependents; dependent eligibility varies based on state law.

Can I see the eye doctor I have now?

Yes, you are always free to visit the vision or dental care provider of your choice. For extra value, you can visit a dental network provider in your area. You can also receive savings on eyewear frames and lenses at any Walmart Vision Center nationwide.

Are my rates guaranteed?

Your rates are guaranteed for 12 months following your plan’s effective date. After that, you will receive at least 30 days’ notice (more if required by state law) if your rates change.

Do I have coverage outside of the state I live in?

Yes, if you are traveling or have a covered dependent living in a different state, you will still have vision coverage.

How quickly can I start my coverage?

You have the option to choose the 1st, 5th, 10th, 15th, 20th or 25th day of the month for an effective date.  Choose the one that works best for you and your family. You will receive an email confirmation immediately following your enrollment to verify this information. Your policy will arrive within 10 business days of enrollment.

IMPORTANT NOTICE: Your enrollment may take 2-3 business days before it becomes accessible to the EyeMed or VSP provider. If you have an appointment within several days of your effective date and your provider indicates you are not yet in their system, please call Ameritas customer service for assistance. Representatives are available Monday – Friday at 800.300.9566.

What if I change my mind about the coverage shortly after enrolling?

Vision Insurance comes with a 30-day Customer Satisfaction Guarantee. You have 30 days after your plan becomes effective to cancel your plan if you are not satisfied for any reason. Any premium paid, minus the enrollment fee, will be fully refunded provided no covered services have been rendered.* If services have been provided, you may still cancel your policy however the premium paid will not be eligible for reimbursement.

*Plan includes a one-time non-refundable enrollment fee of $20. This charge will be made at the time of purchase and may appear as a separate transaction from your vision insurance.

Will I receive an ID Card?

  • If you enroll in the EyeMed plan – yes, you will receive an ID card.
  • With the VSP plan you will not receive an ID card. An ID card is not required when visiting a VSP provider. Simply tell your VSP provider you have the VSP Choice Network plan. If you would like to print an ID card for yourself or covered family members simply visit vsp.com to download card(s).

Where can I go to find a vision provider?

  • Find EyeMed providers at www.EyeMed.com (choose the Access Network) or call 866.939.3633
  • Find VSP providers at www.VSP.com (Choose the Choice Network) or call 800.877.7195

Who should I contact with questions?

  • For benefits or changes to your coverage please contact Ameritas customer service at 800.300.9566 or use the self-service portal tool.
    • With MyPortal you have access to your policy information on any device, anytime, anywhere. MyPortal gives you the ability to:
      • View and edit personal and dependent information, including adding or deleting dependents
      • View and edit payment information
      • Request to terminate coverage
      • Request an ID card, if the plan you are covered under offers that option.
  • Registering online is easy! You just need your Member ID. To get started register at: www.securitylife.com/myportal
  • You can also make changes by using a paper Change Form and submitting to Ameritas. You can obtain a paper form by calling customer service at 800.300.9566.
  • Please note that changes in coverage may decrease or increase your premium with any increase amount due at the time of change.

Who should I contact regarding a claim?

  • For questions regarding a claim contact EyeMed at 800.939.3633.
  • For questions regarding a claim, contact VSP at 800.877.7195.

Membership FAQs

How long will the enrollment process take?

Enrollment materials will be emailed or mailed to you within 7-10 days of a completed application, depending on the selection made during the enrollment process.

I have more dependents than the form allows me to enter. Who should I contact?

Our online enrollment tool does not accommodate families larger than 6. To enroll your family of 6 or more, please call 800-807-0706.

I haven’t heard back on the status of my application, how do I check the status?

Please call our Administrative Team at 800.233.0307, option 4, or email us.

How do I confirm contact information to send a coverage application?

Coverage applications can be sent to Ameritas Life Insurance Corp. at: 

P.O. Box 81889
Lincoln, NE  68501

or by calling 800-300-9566 option 2. 

How do I order an ID card or order a replacement ID card?

Please call our Administrative Team at 800-300-9566 option 2, or email us.

How do I submit a dental claim?

Dental claims are submitted by dental providers electronically. Claims can be submitted to Ameritas at: 

P.O. Box 81889
Lincoln, NE 68501
or by calling 800-487-5553

What happens when I reach the end of my coverage period?

At the end of your coverage term, you will receive a renewal letter. At that time you will have the option to continue your coverage or terminate your policy. If you additional have questions, please contact our customer service office via email at cs@ameritas.com or by phone at 800-300-9566 option 2.

 
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