The Downtown Seattle Dentist Accepts Ameritas PPO Dental Insurance

If you have Ameritas dental coverage through your employer or an individual plan, you can use your benefits at The Downtown Seattle Dentist.

Accepted Plans:

Ameritas PPO

Plans we’re not currently able to accept:

Ameritas HMO plans, Medicaid dental plans

*If you’re unsure which plan type you have, call us and we’ll look it up for you.

The Downtown Seattle Dentist accepts Ameritas PPO dental insurance. Our team verifies your Ameritas coverage before your first appointment, provides upfront cost estimates, submits all claims electronically, and handles any follow-up with Ameritas on your behalf. You won't need to contact your insurer at any point.

Network Status:

In-Network with Ameritas PPO

Typical Ameritas PPO Coverage at a Glance

Coverage percentages below reflect typical Ameritas PPO benefit levels for employer-sponsored plans in Washington State. Your exact coverage depends on your specific plan, deductible status, and remaining annual maximum, all of which we confirm before any treatment is scheduled.

Service Category	Typical Coverage	Common Examples
Preventive & Diagnostic Care	80% – 100%	Exams, cleanings, X-rays, fluoride treatments, sealants
Basic Restorative Services	70% – 80%	Fillings, simple extractions, emergency palliative visits
Major Restorative Services	50%	Crowns, bridges, root canal therapy, dentures
Periodontal (Gum) Treatment	50% – 80%	Scaling & root planing, periodontal maintenance
Oral Surgery	50%	Surgical extractions, wisdom teeth removal
Orthodontics (if benefit elected)	20% – 50%	Invisalign, traditional braces (lifetime ortho max applies)
Dental Implants	Varies by plan	Implant placement, abutment & crown (employer plan determines)

Understanding Your Annual Ameritas Maximum & Deductible

Annual Maximum

This is the total dollar amount Ameritas will contribute toward your covered dental care within a single benefit year. Most employer-sponsored Ameritas PPO plans carry an annual maximum between $1,000 and $2,500. Once that limit is reached, any remaining costs for the year are the patient's responsibility.

Deductible

This is the amount you pay out-of-pocket before Ameritas begins contributing to covered services. A typical Ameritas PPO deductible is $50 to $100 per person. Preventive care, including exams and cleanings, is generally exempt from the deductible, meaning your coverage applies from your very first visit.

Frequency Limitations

Most Ameritas PPO plans include frequency limits on certain services, such as one set of bitewing X-rays per year or cleanings every six months. Our team reviews these limits during your benefits verification so there are no surprises.

Ameritas PPO Coverage by Dental Treatment

Our Seattle dental offices offer a full range of dental services that fall within Ameritas’ covered categories. We confirm your specific plan coverage and provide a detailed cost estimate before scheduling any procedure.

Dental Exam

Preventive — typically covered at 100%

Professional Teeth Cleaning

Preventive — typically covered at 100%

Digital X-Rays

Preventive — typically covered at 100%

Fluoride Treatment

Preventive — coverage commonly includes patients through age 18–21

Dental Sealants

Preventive — typically covered for children and adolescents

Cavity Treatment (Fillings)

Basic restorative — typically covered at 70–80%

Tooth Extractions

Basic restorative — typically covered at 70–80%

Emergency Dentistry

Basic restorative — palliative and emergency visits typically covered

Dental Crowns

Major restorative — typically covered at 50%

Dental Bridges

Major restorative — typically covered at 50%

Root Canal Therapy

Major restorative — typically covered at 50%

Dentures & Removable Appliances

Major restorative — typically covered at 50%

Gum Disease Treatment

Periodontal — typically covered at 50–80%

Periodontal Care (Deep Cleaning)

Periodontal — typically covered at 50–80%

Invisalign Clear Aligners

Orthodontic benefit (if elected) — typically 20–50% up to lifetime maximum

Pediatric Dentistry

Preventive & basic services — typically well covered under most plans

TMJ Treatment

Coverage varies by plan — we confirm your benefits before any treatment begins

Mouth Guards

Coverage varies — many plans provide partial coverage for prescribed appliances

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Our Insurance Process

Get Started Using Your Ameritas Insurance at our Seattle dental offices

Step 1

We Verify Your Ameritas Benefits

Before your visit, our insurance team contacts Ameritas directly to confirm your plan type, covered services, annual maximum, remaining deductible, frequency limitations, and any waiting periods. You'll receive a plain-language summary before your appointment.

Step 2

You Receive Your Care

Our clinical team provides the treatment you need at your chosen Seattle dental office. You pay your estimated patient portion on the day of service.

Step 3

We File Your Claim

After your visit, our billing team submits your Ameritas claim electronically to your insurance provider. Most Ameritas claims are processed within 10 to 30 business days, after which you'll receive an Explanation of Benefits (EOB) from Ameritas.

Step 4

We Follow Up and Appeal on Your Behalf

Our team monitors your claim through processing and reviews your EOB when it arrives. If Ameritas underpays, requests additional documentation, or issues a denial, we handle the follow-up and appeals process on your behalf. We work to make sure your Ameritas plan pays what it should so you're not leaving benefits on the table.

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Ameritas Dental Insurance FAQs

Is Ameritas dental insurance accepted at The Downtown Seattle Dentist?

Yes — The Downtown Seattle Dentist is in-network with Ameritas PPO dental plans. Ameritas HMO coverage and Medicaid dental plans are not accepted here.

Is a routine cleaning covered by my Ameritas PPO plan?

Under most Ameritas PPO plans, preventive services such as exams and cleanings are covered at 80% to 100%, and these benefits are usually not subject to your deductible. The team at The Downtown Seattle Dentist checks your exact Ameritas benefits ahead of your appointment.

Will The Downtown Seattle Dentist submit my claim to Ameritas for me?

Yes. Every Ameritas claim is submitted electronically by our billing staff right after your visit, so there's no paperwork on your end.

What happens if part of my Ameritas annual maximum is already used?

During your benefits verification, The Downtown Seattle Dentist looks at how much of your Ameritas annual maximum remains and builds that into your treatment plan and cost estimate if you're getting close to the limit.

Are dental implants covered under my Ameritas plan?

Implant coverage through Ameritas depends on the specific plan your employer offers. Before scheduling an implant consultation, The Downtown Seattle Dentist confirms exactly what your benefit includes.

Does my Ameritas plan include a waiting period for major work?

Certain Ameritas plans impose a waiting period before major restorative services are covered. The Downtown Seattle Dentist reviews this during benefits verification and lets you know in advance of scheduling any affected treatment.