No waiting periods$2,000 max, grows to $3,500Choose your start date
Annual maximum
$2,000 to $3,500
$2,000 in year one, rising to $3,500 after one year.
Deductible
$50 / person
Annual deductible before plan benefits apply. In network preventive care has no deductible.
Coverage starts
You choose
Pick any effective date, from tomorrow to any other day that suits your schedule.
What the plan pays
Network: Ameritas Classic PPO, 111,500+ providers and 428,000+ access points nationwide. You pay least in-network. Verify your dentist is contracted for this exact product.
Last checked June 24, 2026Figures illustrative until matched to your state's plan documentView sources
In short
What is Ameritas PrimeStar Complete?
Ameritas PrimeStar Complete is an individual PPO with no waiting periods on any category: preventive pays 100%, basic pays 80% in year one rising to 90%, and major work and implants pay 20% from day one rising to 50% in year two. The annual maximum is $2,000 in year one and $3,500 from year two, with preventive care kept off the maximum. Implants carry their own yearly sub-cap ($1,000 year one, $1,500 from year two) drawn from that maximum. Pricing is age-neutral, you choose your own start date as soon as the next business day, and a hearing benefit is bundled in. Vision is an optional add-on. It does not cover orthodontics or whitening.
Does PrimeStar Complete really have no waiting periods?
Yes. Preventive, basic, major work and implants are all available from day one, and coverage can start as soon as the next day after you enroll. The trade-off is the year-one major rate of 20%; that rises to 50% in year two. See the glossary for how coinsurance and waiting periods interact.
Does it cover implants from day one?
Yes. Every implant phase, including the bone graft, extraction, placement, and the abutment and crown, is covered from day one at 20% in year one and 50% in year two. Implants have their own per-person yearly cap, $1,000 in year one and $1,500 from year two, which is drawn from the annual maximum. In our individual-market comparison it is the only plan that covers the bone graft when the extraction narrative establishes the implant as a necessity, so a patient beginning a multi-phase implant case can start immediately.
Does major coverage really reach 50%?
Yes, starting in year two. Major work pays 20% in year one, then the coinsurance rises to 50% from the second benefit year onward. Timing a larger restorative case for year two makes a meaningful difference. The year-two upgrade follows your benefit-period anniversary.
Best for you if…
You need work done now. Major and implants are covered from day one, with no graduated wait.
You are starting a multi-phase implant case. Bone graft, extraction and placement are all covered from day one.
You are age 65 or older. Age-neutral pricing means no premium penalty for older applicants.
You want a maximum that grows over time, from $2,000 in year one to $3,500 after one year, with coinsurance that climbs too.
Skip it if…
You want a high year-one major rate. First-year major pays only 20% until it steps to 50% in year two.
You need orthodontics. Braces are not covered on PrimeStar Complete.
You have one big implant and can wait. A higher-maximum plan pays out more per implant if you can sit out a 6-to-12-month wait.
When each benefit turns on
Everything turns on at once
Your effective date can be as soon as tomorrow, and unlike most plans there is no separate countdown for major work. The only thing that changes over time is the coinsurance rate.
Next day
Everything is covered. Preventive at 100%, basic at 80%, major restorative at 20%, all from your effective date with no waiting period.
Year two
Benefits grow. Basic rises to 90%, major and implants to 50%, the annual maximum lifts from $2,000 to $3,500, and the implant sub-cap rises from $1,000 to $1,500.
Prior coverage
A Prior Coverage Credit can apply if you switch from comparable coverage with no more than a 60-day gap and 12+ months of prior continuous coverage (not available in NM, NY or WA).
A crown this year: what would you actually pay?
Pick the work you might need and toggle Year 1 or Later years. We'll show the full cash price, your share after the plan pays, and how much of your annual maximum it uses. Prices shown are national examples; your dentist's fees set the actual number.
cash (without dental insurance) $5,000
cash (without dental insurance) $1,600
cash (without dental insurance) $400
cash (without dental insurance) $400
You save vs paying cash
$0
what this plan pays so you don't
Plan pays
$0
of $2,000 maximum
You'd pay
$0
incl. $50 deductible
Pick the work you might need to see what this plan saves you.
In year one major work pays 20% from day one, so the plan covers part of a crown immediately. Toggle Later years to see the 50% rate.
Full specs
The rest of the fine print
Annual maximum
$2,000 year one, $3,500 year two and beyond (Basic and Major combined)
Implant sub-maximum
$1,000 year one, $1,500 year two; drawn from the annual maximum
Deductible
$50 per person (basic and major); waived for preventive
Preventive on the maximum
No, preventive does not count toward the maximum
Waiting periods
None on any category
Effective date
Next day; choose tomorrow up to three months out, no first-of-month rule
Age pricing
Age-neutral, same rate from 18 through 80+
Hearing benefit
$75 annual exam, hearing aids $200 day one rising to $400 per ear (not in NH)
Orthodontics
Not covered
Whitening
Not covered
Vision
Optional add-on
Included extras
Prescription drug discount card and Tuned hearing-aid discounts, both at no extra cost (not insurance)
Availability
All states except Massachusetts; Indemnity instead of PPO in MT, RI and PA Forest/Potter counties
Reimbursement basis
In-network Classic PPO contracted fee
The defining feature is zero waiting periods with next-day activation. The trade-off is the year-one major rate of 20%, which steps to 50% in year two. See the glossary for how these terms fit together.
Good to know
The fine print that changes the bill
Exact wording varies by state. Read your own plan's exclusions section to confirm.
Year-one major is 20%
Major work and implants pay only 20% in year one. It is still better than $0 under a hard waiting period elsewhere, but the rate does not reach 50% until year two.
No orthodontics or whitening
PrimeStar Complete covers neither braces nor whitening. Child orthodontics and whitening exist only on the PrimeStar Boost tier.
Missing tooth clause
Teeth extracted while covered by Ameritas are eligible for replacement, but pre-existing extractions before your effective date may be excluded. The clause can vary by state, so confirm at enrollment.
State variations
Not available in Massachusetts. MT, RI and PA Forest/Potter counties use Indemnity plans rather than PPO. Hearing is not offered in NH. Confirm for your ZIP.
Does Ameritas PrimeStar really have no waiting periods?
Yes. The carrier's benefits disclosure states 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. See how waiting periods work
How does the plan grow in year two?
Several numbers improve at once: basic care rises from 80% to 90% (the highest filling coinsurance in our comparison), major work and implants from 20% to 50%, the annual maximum from $2,000 to $3,500, and the implant sub-cap from $1,000 to $1,500. The upgrade follows your benefit-period anniversary.
Does PrimeStar Complete cover implants?
Yes, from day one at the major-work rates of 20% in year one and 50% in year two. Every phase is covered, including the bone graft, extraction, placement and the abutment and crown. In our individual-market comparison it is the only plan that covers the bone graft when the extraction narrative establishes the implant as a necessity. Implants carry their own yearly cap, $1,000 in year one and $1,500 from year two, drawn from the annual maximum. Compare implant plans
Does it cover crowns?
Yes, from day one at 20% in year one and 50% from year two. On a typical $1,600 in-network crown that is roughly $310 back in year one and about $775 in year two. No other plan in our comparison pays anything on a crown in the first months of a policy.
Do cleanings count against the annual maximum?
No. Under the Preventive Plus feature, preventive and diagnostic services are excluded from the cap, preserving the full $2,000 in year one or $3,500 in year two for actual treatment.
What does it cost per month?
PrimeStar Complete runs roughly $50 to $60 per month for individual coverage, and Ameritas does not age-band premiums, so the same rate applies from 18 through 80+. Your exact figure may vary by ZIP and effective date.
Which dentists accept the Ameritas Classic PPO network?
You pay the least when you see a dentist contracted with the Ameritas Classic PPO network for this exact product. The network spans 111,500+ providers, but participation varies by area and can change, so check the official Ameritas directory and call the office to confirm before booking. Find Ameritas dentists near you
Ameritas PrimeStar vs Humana?
PrimeStar Complete covers everything from day one with no waiting period, which Humana does not, but its year-one major rate is 20% and its first-year maximum is $2,000 (rising to $3,500). Humana Extend 5000 carries a high $5,000 maximum and pays 50% on major work, but applies waiting periods first. Pick Ameritas if you need treatment now; pick Humana if you can wait for a larger single-year payout. See the Humana breakdown
Is this an endorsement?
No. This is a breakdown and analysis, not endorsement. No carrier pays for placement.
Transparency
Sources & verification status
Coverage figures were checked against Ameritas's official PrimeStar plan documents on June 24, 2026. Exact terms still vary by state, ZIP, and effective date, so confirm your own plan document. Full provenance lives here.
Official sources
Ameritas PrimeStar plan documents (download PDF)
Publisher: Ameritas Last Checked 2026-06-24Terms vary by state
2026-06-24Reconciled to the Ameritas PrimeStar product guide (GR 7708 3-26, GR 8228 MAC 2-26, effective 4/1/2026): corrected the annual maximum to $2,000 day one rising to $3,500, added the $1,000 to $1,500 implant sub-cap, fixed the hearing-aid allowance to $200 then $400, and updated premium to about $60/mo against the published $55.79 average. Confirmed zero waiting periods, day-one implant access, fillings to 90% after year one, and the 20% to 50% major step-up.
2026-06-12Verified against the Ameritas Summary of Dental Benefits and Coverage.
NoteState-specific premium, hearing rider, and availability still need confirmation for your ZIP.
CoverCapy is an independent educational marketplace. We are not an insurer, carrier, dentist, tax adviser or medical provider. Nothing here confirms a treatment is covered. Coverage depends on your exact policy, state, ZIP, effective date, network, exclusions, limitations and remaining benefits, all of which must be verified.
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