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Exclusive Dental Plans with Ameritas
Take advantage of Costco Member Value with competitively priced and value-added dental coverage from Ameritas.
See Dental Plans & Rates
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Dental Insurance Savings for Individuals and Families:Dental insurance plans help reduce costs by focusing on preventive care. By practicing good habits, eating a healthy diet, and keeping up with regular dental visits, you can cut down on the need for expensive treatments. Even with insurance and shared risk between you and the provider, major procedures can still be pricey.
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Why Ameritas Dental Insurance?
A company you can count on |
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|---|---|---|
| Established Company |  |
Dental: since 1959 Vision: since 1984 |
| Large Dental Network | |
More than 734,000 Access Points |
| Large Customer Base | |
Providing coverage for more than 13.2 million customers |
| Industry Ratings | |
A+ (Strong) - Standard and Poor's as of April 30, 2025 A (Excellent) - AM Best Company as of May 22, 2025 |
| Product Ratings | |
Ranked as Best Dental Insurance Company For Seniors by Forbes Advisor. (Source) |
| Call Center | |
Benchmark Portal's Center of Excellence award since 2006 4.5 out of 5 caller satisfaction score |
What is covered with an Ameritas dental plan?
 Preventive Care |
- Cleaning - Routine office visits |
 Restorative Care |
- Fillings - Crowns |
 Endodontics |
- Root canals |
 Oral Surgery |
- Tooth removal and minor surgical procedures such as tissue biopsy and drainage of minor oral infections |
 Periodontics |
- Scaling - Root planing - Management of acute infections or lesions |
 Prosthodontics |
- Dentures - Bridges |
Note: PPO plans are underwritten by Ameritas Life Insurance Corp. (Ameritas Life click here to view the Ameritas Underwriting Disclosure). Dental, vision and hearing care products (9000 Rev. 07-23 for Group and 9000 Rev.10-22 for Individual, dates may vary by state) are issued by Ameritas Life. The Dental and Vision Networks are not available in RI. In Texas, our dental network and plans are referred to as the Ameritas Dental Network. For WV residents, view the access plan as required by the Health Benefit Plan Network Access and Adequacy Act. Ameritas and the bison design are service marks or registered service marks of Ameritas Life, affiliate Ameritas Holding Company or Ameritas Mutual Holding Company. © 2026 Ameritas Mutual Holding Company.
Dental Insurance FAQs
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Is dental insurance worth it?
Answer
Dental insurance is valuable because it promotes early, effective care and can reduce your costs. It also helps prevent issues that might affect your overall health. To find the best plan for you, consider your specific oral health needs and budget. -
How do I get affordable dental insurance?
Answer
- Assess Your Needs: Figure out what dental coverage you require, like routine check-ups and preventive care.
- Research Options: Look into different dental insurance plans available in your area.
- Compare Plans: Evaluate the benefits and costs of various plans.
- The CBC Health Insurance Marketplace for Costco members: Review exclusive plans only available to Costco members.
- Review Details: Carefully check the plan documents for coverage specifics, exclusions, waiting periods, and limitations.
- Enroll: Choose the plan that fits your needs and enroll through CostcoQuote directly!
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Should I buy dental insurance?
Answer
If you're without dental coverage, consider whether buying a policy is worth it for you. Compare the cost of a dental plan with your typical annual dental expenses, like cleanings, X-rays, and fillings. Check if the premium fits your budget and remember you might be able to deduct these costs on your taxes. Evaluate your dental health too—if you have a history of issues, coverage could provide peace of mind. Note that Medicare doesn’t cover dental work unless it’s medically necessary. -
Can I buy dental insurance without health insurance?
Answer
Yes, you can buy dental insurance independently of health insurance. Stand-alone dental plans are available for covering routine care like cleanings and fillings. Research different options and consider your dental needs when choosing a plan.