Ameritas Small Business Dental Insurance

Key Value-Added Features:

1. Incentive Co-insurance:
   Based on geographic region, most plans include a unique incentive structure for co-insurance, for Type 2 basic services. This co-insurance increases each year provided the member has had at least one dental visit in the previous 12 months, incentivizing regular dental check-ups and proactive maintenance.
     Increasing Incentive employer brochure


2. Dental Rewards with Rollover Benefits:
   Costco members can benefit from the Ameritas Dental Rewards program, enabling them to rollover a portion of their annual maximum into a "raining day" bucket fund. This accumulation increases the amount of calendar year maximum in future years, providing financial security and flexibility for unforeseen dental expenses.
     Dental Rewards employer brochure


3. Maternity benefit:
   Expectant mothers receive an additional dental exam and cleaning per benefit period.


4. No Waiting Period for Major Services:
   The Ameritas small group dental insurance plans for Costco members, eliminate waiting periods for major services, ensuring immediate access to necessary treatments without any delays or administrative hurdles.


5. Orthodontia Benefits for Small Groups:
   Recognizing the importance of orthodontic care for smaller groups, the Ameritas small group dental insurance plans for Costco members extend orthodontia benefits to groups with fewer than 10 enrolled employees, promoting inclusivity and comprehensive coverage for all Costco members.
     Costco WA Brochure
     Non-WA CBC Costco Brochure
     Member post-enrollment brochure
     Member post-enrollment brochure (Español)