📅 Last updated: May 2026. Rates and plan details reflect 2026 Arizona market offerings. Contact us for a personalized quote specific to your age and county.
About Ameritas Dental
Ameritas is one of the nation's leading dental insurance providers, with over 3.5 million members across the country. Founded in 1887, Ameritas has built its reputation on delivering group-quality dental benefits through individual and family PPO plans — an important distinction for Arizonans who don't have access to employer-sponsored coverage. In Arizona, Ameritas offers a tiered lineup of PPO dental plans ranging from preventive-only coverage to comprehensive plans that include orthodontics. Whether you're self-employed, between jobs, or simply want better dental coverage than your employer offers, Ameritas is a strong option worth comparing.2026 Ameritas Dental Plan Comparison — Arizona
| Plan | Monthly Premium | Annual Max | Preventive | Basic | Major | Ortho |
|---|---|---|---|---|---|---|
| Dental 100 | ~$30/mo | $1,000 | ✓ | — | — | — |
| Dental 200 | ~$38/mo | $1,000 | ✓ | ✓ | — | — |
| Dental 300 | ~$48/mo | $1,500 | ✓ | ✓ | ✓ | — |
| Dental 400 Best Value | ~$58/mo | $2,000 | ✓ | ✓ | ✓ | ✓ |
| * Rates shown are approximate monthly premiums for an individual adult in Arizona. Actual rates vary by age, county, and effective date. [RATE] placeholders reflect standard market positioning — contact us for confirmed 2026 AZ tier rates. Orthodontic coverage on Dental 400 subject to lifetime maximum benefit. | ||||||
Why Choose Ameritas Dental?
- Group-Quality Benefits for Individuals
Ameritas was built on group dental insurance and brings that same level of coverage to individual and family plans — a rare advantage in the individual market. - Orthodontic Coverage Available
The Dental 400 plan includes orthodontic coverage with a lifetime maximum benefit — one of the few individual dental plans in Arizona that covers braces for adults and children alike. - Waiting Period Waiver with Prior Coverage
If you had dental insurance previously with no significant gap, Ameritas may waive standard waiting periods for basic and major services — so you can use your benefits sooner. - Nationwide PPO Network
The Ameritas DPPO network spans the entire country with tens of thousands of participating dentists. Ideal if you travel or split time between Arizona and another state. - No Medical Underwriting
Ameritas individual dental plans are guaranteed issue — you cannot be turned down based on your dental history or pre-existing conditions.
Coverage Details
Ameritas dental plans use a tiered coverage model. Higher-tier plans layer in additional services. Here's what's typically covered in each category:Preventive
- Routine exams (2x/year)
- Cleanings / prophylaxis (2x/year)
- Dental X-rays (bitewing & full-mouth)
- Fluoride treatments
- Sealants (children)
Basic
- Amalgam & composite fillings
- Simple tooth extractions
- Emergency palliative treatment
- Periodontal scaling & root planing
Major
- Crowns & onlays
- Bridges & dentures
- Surgical extractions
- Root canals (endodontics)
- Oral surgery
Orthodontics (Dental 400)
- Traditional braces
- Clear aligner therapy
- Coverage for adults & children
- Lifetime maximum benefit
Coverage percentages and waiting periods vary by plan tier. Deductibles typically apply to basic and major services. Review the Summary of Benefits for your specific plan.
Ameritas Dental Network in Arizona
Ameritas DPPO — Nationwide Access
Ameritas dental plans use the Ameritas DPPO network, one of the largest dental PPO networks in the United States. In Arizona, you'll find participating dentists in the Phoenix metro, Tucson, Flagstaff, and across the state's smaller communities. As a PPO plan, you have the flexibility to visit any licensed dentist — in-network or out-of-network. Choosing an in-network Ameritas DPPO provider means lower negotiated fees and reduced out-of-pocket costs. No referrals required. No primary dentist designation. Simply find a dentist and use your benefits. Search Ameritas DPPO Network ↗Frequently Asked Questions
- Does Ameritas Dental have waiting periods in Arizona?Ameritas can waive waiting periods for basic and major services if you had prior creditable dental coverage with no significant gap. If you are enrolling without prior coverage, standard waiting periods may apply — typically 6 months for basic services and 12 months for major services. Preventive services are generally available immediately from day one.
- What PPO network does Ameritas use in Arizona?Ameritas uses the Ameritas DPPO (Dental Preferred Provider Organization) network — a nationwide network. Arizona residents can search for in-network providers at dentalnetwork.ameritas.com/classic. You may also visit out-of-network dentists, though your cost-share will be higher.
- Does Ameritas Dental cover orthodontics?Yes — the Ameritas Dental 400 plan includes orthodontic coverage for both children and adults, with a lifetime maximum benefit. This makes it one of the stronger ortho options available on individual dental plans in Arizona, where many competitors limit ortho to children only or exclude it altogether.
- How much does Ameritas Dental cost in Arizona in 2026?Ameritas individual dental plans in Arizona range from approximately $30/mo for the preventive-only Dental 100 plan to approximately $58/mo for the Dental 400 plan with orthodontic coverage. Exact rates vary by age and county. Call us at 855.847.7020 or apply online for a personalized 2026 quote.
- Can I use any dentist with Ameritas, or do I need to stay in-network?Ameritas PPO plans allow you to visit any licensed dentist. However, using an in-network Ameritas DPPO provider will result in lower out-of-pocket costs because the dentist has agreed to negotiated rates. You are not required to select a primary care dentist or obtain referrals to see a specialist.