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Dental care
Physicians Mutual

Dental Plans

Four plans to fit every budget. All with no deductibles, no annual maximums, and 400+ covered procedures.

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400+ Procedures

From preventive cleanings to major services like crowns, bridges, and dentures — all covered.

$0

No Deductibles

Zero out-of-pocket costs before your benefits kick in. Coverage starts working for you immediately.

∞

No Annual Maximum

No cap on the cash benefits you can receive each year. Get the care you need without limits.

Find Your Perfect Plan

Each plan covers the same 400+ procedures — the only difference is how much each one pays.

Features Economy Plus Standard Plus Most Popular
Preferred Plus
Premier
Monthly Premium
Starting At $30/mo $38/mo $55/mo
Coverage Levels
Preventive Services (40+ procedures) 100% 100% 100%
Basic Services (130+ procedures) ~25% ~40% 70%
Major Services (270+ procedures) ~25% ~40% 70%
Plan Benefits
Deductible None None None
Annual Maximum None None None
Preventive & Basic Waiting Period None None None
Major Services Waiting Period 12 months 12 months 12 months
See Any Dentist ✦ ✦ ✦
Network Savings (avg 40%) ✦ ✦ ✦
Guaranteed Acceptance ✦ ✦ ✦
Add Vision & Hearing ✦ ✦ ✦

* Premiums vary by state and age. Percentages shown for Economy, Standard, and Preferred plans are averages of the maximum allowable charge. The Premier Plan pays 70% of the maximum allowable charge. Contact us for a personalized quote.

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What's Covered

All plans cover the same 400+ procedures across three categories.

Preventive Services

40+ Procedures · Covered Immediately
  • Oral evaluations & exams
  • Teeth cleanings (prophylaxis)
  • Bitewing & panoramic X-rays
  • Fluoride treatments
  • Sealants
  • Space maintainers
  • Periodontal maintenance

100% covered in-network on all plans

Basic Services

130+ Procedures · Covered Immediately
  • Fillings (amalgam & composite)
  • Simple tooth extractions
  • Emergency dental treatment
  • Root canal (anterior teeth)
  • Periodontal scaling & planing
  • Denture repairs & relines
  • Oral surgery

Coverage varies by plan: 25% to 70%

Major Services

270+ Procedures · After 12 Months
  • Crowns (porcelain, gold, etc.)
  • Bridges & pontics
  • Complete & partial dentures
  • Root canal (molars)
  • Implant-supported crowns
  • Surgical extractions
  • General anesthesia

Coverage varies by plan: 25% to 70%

Smiling woman

600,000+ Providers

You can see any dentist you want — but when you stay in-network with the Ameritas Classic PPO Network, you'll save an average of 40% on covered services. It's one of the largest dental networks in the nation.

  • ✦ 100% preventive coverage in-network
  • ✦ Average 40% savings on all services
  • ✦ Freedom to see any dentist, any time
  • ✦ No referrals needed
Find a Dentist →
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Ready to Protect Your Smile?

Get a personalized quote and find the dental plan that fits your needs and budget.