Zero waiting periods on everything — implants included. Coverage starts the day you do, and every benefit gets stronger in year two. Best for treatment that can't wait, at ~$60/month.
Verified June 12, 2026 against the Ameritas Summary of Dental Benefits & Coverage · Compare all six plans
Ameritas PrimeStar Care Complete is an individual PPO dental insurance plan from Ameritas Life Insurance Corp. costing about $60 per month with a $50 deductible and an annual maximum of $2,000 in year one, rising to $3,500 in year two and beyond.
It has no waiting periods on any category. In network: preventive care pays 100% from day one (and doesn't count against the annual maximum), basic care pays 80% in year one rising to 90% in year two, and major care — including crowns, root canals, dentures, oral surgery, and implants — pays 20% in year one rising to 50% in year two. Implants carry a benefit of $1,000 in year one, rising to $1,500.
It does not cover orthodontics or whitening. It is best for people who need treatment to start immediately and plan to keep the plan, because every coverage number improves in year two.
"One of the strongest long-term PPO plans on our shelf for patients expecting crowns, root canals, or restorative work — because it's the only one that covers everything from day one, then rewards you for staying."
Scored against the other five plans on CoverCapy's verified shelf, using the carrier's published benefit schedule.
Method: each category is rated against the strongest plan on the shelf for that category. Implant score reflects the $1,000 year-one benefit versus Humana's $2,000/yr and Mutual of Omaha's uncapped-within-max payout. Verified June 12, 2026.
You don't need to read a paragraph. The bars say it: keep the plan one year and every number gets better.
Typical in-network fees, after the $50 deductible. Percentages are how insurers talk; dollars are how bills arrive.
Estimates from the carrier's published coinsurance — not a quote; fees vary by office and state. Run your own numbers for these and 20+ more procedures →
This is the step carrier websites can't do for you — and the one that decides whether this plan is brilliant or useless. CoverCapy checks the dentist you actually want against the Ameritas Classic PPO network, by name, ZIP, or city.
Yes — it's a PPO. But the same crown costs very different money depending on the chair. In network, Ameritas dentists have agreed to fees commonly 25–50% below retail, and the plan pays its strongest rates (80–90% basic, 20–50% major). Out of network, the plan's share drops sharply (basic 60–70%, major 10–30%) and the office can bill you the gap above the allowed fee — that's balance billing, and at crown prices it's real money.
The rule of thumb we give at the counter: pick the dentist first, then the plan. If your dentist is in the Ameritas network, this page's math works. If not, compare the shelf against a plan they do take.
Everything above is enough to decide. Everything below is here when you want to check our work.
| Category | In-network Y1 | In-network Y2+ | Out-of-network Y1 / Y2+ |
|---|---|---|---|
| Preventive & diagnostic | 100% | 100% | 80% / 80% |
| Basic (fillings, simple extractions) | 80% | 90% | 60% / 70% |
| Major (crowns, root canals, dentures, oral surgery) | 20% | 50% | 10% / 30% |
| Implants | 20% · $1,000 max | 50% · $1,500 max | major OON rates apply |
| Orthodontics | Not covered | ||
Source: Ameritas Summary of Dental Benefits and Coverage (SDBC), plans effective on or after 08/01/2025. Percentages shown as plan-pays.
Yes — the carrier's benefits disclosure states it plainly: there is no waiting period on any category, including major work and implants. The trade-off is coinsurance: major work pays 20% in year one, rising to 50% from year two.
Four numbers improve at once: basic care rises from 80% to 90%, major work from 20% to 50%, the annual maximum from $2,000 to $3,500, and the implant benefit from $1,000 to $1,500. It's built to reward keeping the plan.
Yes, from day one at the major-work rates (20% year one, 50% year two+), under an implant-specific benefit of $1,000 in year one and $1,500 from year two. For a big implant year, compare Mutual of Omaha (no implant-specific cap) and Humana ($2,000/year) — they pay more per implant but make you wait 6–12 months.
Yes — from day one, at 20% in year one and 50% from year two. On a typical $1,400 in-network crown that's about $270 back in year one and about $675 in year two. No other plan on the shelf pays anything on a crown in the first months of a policy.
No — preventive and diagnostic services are excluded from the cap, preserving the full $2,000 (year one) or $3,500 (year two+) for actual treatment.
Someone who needs treatment to start now — filling, extraction, crown, root canal, even implant work — rather than after a 6-or-12-month wait, and who plans to keep the plan into the stronger year-two schedule. If your case is one big implant and you can wait, the high-cap plans pay out more.
How this review was built: every percentage, maximum, and exclusion on this page was verified on June 12, 2026 against the Ameritas Summary of Dental Benefits and Coverage (SDBC) for plans effective on or after 08/01/2025, and is stored in CoverCapy's plan database. CoverCapy is an independent concierge dental network — not a broker — and earns no commission on activation. We tell you who should skip this plan, and we verify dentist acceptance before you commit.