In Network Providers
A Medicare PPO Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. PPO Plans have network doctors, other health care providers, and hospitals. You pay less if you use doctors, hospitals, and other health care providers that belong to the plan's network. You can also use out‑of‑network providers for covered services, usually for a higher cost, if the provider agrees to treat you and hasn’t opted out of Medicare (for Medicare Part A and Part B items and services). You’re always covered for emergency and urgent care.
Welcome to AmeriPlan!
We invite you to take care of yourself and your family with AmeriPlan®. Your life is full of precious things: the people you love, the home you live in, plans you need to keep the things you value most in life secure. A good place to start is right here at AmeriPlan®.
Is the high cost of quality health care getting you down? Are you one of the 58 million uninsured Americans with no health savings plan? Look no further... it is now possible to access affordable dental, vision, prescription, chiropractic and medical plans for your entire household. Plans that range from $19.95 per month to $39.95 per month. Learn more about our plans »
Would you like to make money with our opportunity? Thousands of AmeriPlan® Benefit Consultants (BC's) have built highly successful home based businesses of their own, by sharing and caring. How do they do it? It's simple. Read more about AmeriPlan Opportunity »
AmeriPlan® Corporation... the nation's premier Discount Medical Plan Organization (DMPO). Since 1992, AmeriPlan® members have saved hundreds of millions of dollars receiving discounted health care services using the AmeriPlan® provider network. Our network has tens of thousands of health care professionals across the country. Read more about AmeriPlan Corporate »
The AmeriPlan® Mission…
• Provide high quality and affordable medical care, dental care, prescription drugs, vision and chiropractic care to the average American family.
• Hold the well-being of our members, Benefit Consultants, service providers, staff and our company in equal balance.
• Foster an environment which promotes a spirit of cooperation, self improvement, leadership and genuine concern for each other.
• Adhere to the highest standards of professionalism, service and leadership that will earn us the respect and praise of our industry while providing financial stability and independence to those who would earn it.
Understanding PPO dental plan benefits
You can choose from many different kinds of dental plans, but Preferred Provider Organizations (PPO) are by far the most popular. In fact, more than 80% of dental insurance plans are PPOs.1
So why have PPO plans emerged as the popular and smart choice? Because PPO plans offer clear advantages as suggested below.
A PPO plan can save you more money.
Insurance companies develop a network of dentists who agree to charge you fees that are lower than their usual rates. Those
discounts are the deepest when you visit a PPO network dentist.
You have options and flexibility.
A PPO plan will offer you a variety of choices from a network of dentists. You also have the flexibility to visit any licensed dentist – even out-of-network dentists— but you can maximize your savings and benefits by visiting a PPO network dentist who has agreed to lower fees. In other words, your out-of-pocket expense is much less.
There are more advantages.
In addition to better health, greater savings and more choice and flexibility, with the Delta
Dental PPOTM network:
Patients can save more than 35% on average by visiting a Delta Dental PPO network dentist compared to the fee the dentist would typically submit for a claim.5
You know you will receive quality care because all dentists in our network are credentialed to make certain they meet or exceed our requirements.
Claims payments go directly to in-network dentists, so you don’t have to pay the full cost upfront at the dental office and then wait to be reimbursed by the insurance company later.
You won’t be balance billed by visiting a dentist in the Delta Dental PPO network. No balance billing means a dentist cannot bill for the difference between their regular fees and the amount they’ve agreed to charge patients in the network.
Delta Dental’s PPO network is one of the nation’s largest, with more than 112,000 dentists participating in over 278,000 locations nationwide.6 This not only gives you a great selection of qualified dentists to choose from, but increases the likelihood that your dentist already participates in the network. You can easily find a dentist now in the Delta Dental networks.
To learn more about the PPO dental insurance plan and compare it against other plans that we offer, please click here.
Get additional resources from Delta Dental
Looking for more information? Delta Dental can help keep your smile healthy with these articles:
Get the most out of your benefits with an in-network dentist
We care about protecting more than your teeth
Guardian makes it easy for members to access quality preventive dental care because of its clear connection to overall health, as well as the savings gained by avoiding major services and dental procedures down the line. With good oral care, people are 67% less likely to have heart disease, 50% less likely to have osteoporosis, and 29% less likely to have diabetes8.
How dental insurance works
Compared to medical insurance, it can be easier to understand dental insurance policies. Most policies are straightforward and specific regarding what procedures are covered and exactly how much you pay out-of-pocket.
You can typically save on costs if you use an insurer’s network of dentists. Guardian has more than 120,000 providers in our nationwide network. That means if you already have a dentist you love, they likely take one of our policies.
How can Cigna Dental insurance help you save?
With dental plans starting from $19 per person, per month†and access to 93,000+ dentists in 297,000+1 convenient locations across Cigna's large nationwide network, it's easy to find an affordable plan to help you save your smile--and your wallet.
Why choose Cigna dental plans?
$0 preventive care1
You will pay $0 for a dental exam every six months including cleanings, oral exam, and routine x-rays with no deductibles or copays.
Nationwide network
For maximum savings and 0 paperwork, visit one of the 93,000+ dentists and dental specialists in 297,000+ convenient locations1 across our large nationwide network.
Brighter ScoreSM Feature
Compare dentists and specialist scores for affordability, professional history, costs and ratings for different procedures, and patient experiences.
24/7/365 Customer Service
Customer Service around the clock – call when it's convenient for you at 1 (800) 997-1654.
Cigna Dental Insurance Plans
You can enroll in a Cigna Dental plan with or without a Cigna medical plan. Affordable plan options, thousands of dentists, and locations to choose from in convenient locations across the U.S.—that's why 17 million U.S. consumers choose Cigna dental insurance.
Aetna Dental® Direct plan for individuals
You can enroll in an Aetna dental plan even if you don’t have dental insurance through your employer. With Aetna Dental Direct, you’ll get the coverage you need to keep your teeth healthy. And you don’t need to have Aetna medical or other coverage with us to qualify. Unlike discount programs, Aetna's dental plan covers preventative treatment 100% with no out of pocket cost. Making the switch from another dental plan? While most dental plans require a waiting period for major services like crowns or root canals, if you switch from your existing comparable plan to an Aetna plan, we will waive your waiting period so you can start using your plan right away. Check to see if Aetna Dental Direct is available in your state.
Aetna® Vital Savings Dental Discount Card
With our dental discount card, you can choose from more than 248,000 available dental practices nationwide1 and make an appointment. After you see the dentist, show your discount card and you'll get instant savings – 15 percent to 50 percent off the cost of most services.* (Not available in Montana or Vermont.)
You can purchase a discount card online, by mail or by phone. Rates start at $7.99 a month.
The Aetna Vital Savings discount program is not insurance. It is not available in Montana, Vermont or Tennessee. It does not meet the Minimum Creditable Coverage requirements in Massachusetts. It gives members access to discounted fees according to schedules negotiated with providers by Aetna Life Insurance Company for Aetna Vital Savings. The amount of the discounts will vary depending on the provider and type of service or supply received. Members must make payments directly to the providers in the Aetna Vital Savings program. The program does not make any payments to providers. Aetna Life Insurance Company, 151 Farmington Avenue, Hartford, CT 06156, 1-877-698-4825, is the Discount Medical Plan Organization.
1According to the Aetna Enterprise Provider Database as of May 1, 2018.
*Actual costs and savings vary by provider and geographic area.
Traditional Tailored Indemnity
We offer a full line of traditional indemnity dental products that are made to order. Providing dental benefits for a wide range of needs is something we’re really good at. We specialize in it. And since customer needs always come first, that makes for a great fit.
Value Source®
We think quality dental plans should be affordable. That’s why we offer Value Source, a plan that provides quality benefits at a reasonable price. With a combination of traditional benefits and savvy cost controls, we’ll help keep expenses in check.
EssentialDental®
With coverage options that center around good dental care basics, EssentialDental is designed to keep smiles healthy and costs low.
Managed Care/Provider Network
Our managed care dental products help to balance cost and member choice by tailoring a plan that fulfills your specific needs.
Dental Rewards®
Wouldn’t it be great if members were rewarded for practicing good oral wellness? With Dental Reward’s increasing annual maximum feature, they are rewarded. Members who don’t use much of their annual max can qualify to carry some of those unused dollars forward for use in future years. That way, the money is there when they need it most.
Orthodontia
We offer orthodontic benefits for children and adults. Add this feature to enhance your benefit package, and unleash the power of a great smile. Beautiful smiles and happy faces lead to achieving great things at work and in life.
Cosmetic
Today’s consumer wants to look good and feel good. Include teeth whitening (bleaching) and tooth-color composites on molars with your dental plan. Plan members and their loved ones will thank you.
High/Low
These voluntary plans offer members two dental procedure reimbursement levels with two corresponding premiums (high or low). All in one policy. Now that’s flexible.
Core/Buy-up
Consider funding a core benefit with the option of buying up to a richer benefit. This way, employers can offer a base benefit, and plan members who want more can have it.
Dual Choice Option
We’ve been in the business of providing quality group benefits long enough to know that people have different needs. Our dual option plans give employers the freedom to offer members one plan with two choices. That way, they can choose the right coverage at the right price.
$ensible Choice®
$ensible Choice bases reimbursement on the dollar amount of your plan member's expense for dental care -- not on benefit types or procedure categories. And, depending on your needs and goals, ASO and qualifying fully insured groups can choose whether to include a set of smart cost management tools that help keep benefit costs predictable and rates stable.
Voluntary
An employer doesn’t need a lot of money to provide competitive benefits. With our voluntary plans, they can offer cost-effective benefits while members choose individually whether to participate and cover the costs.
ASO (Administrative Services Only)
We’re here to help make your life easier. We provide simplicity for your self-funded benefit plans. As members’ claims come to us for processing, we pay the claims and then notify the employer of the cost each week. We’ve got you covered, one claim at a time.
Small Group Trust
We employ small group managers specifically for fulfilling the needs of smaller organizations. Wellness benefits such as dental and vision are not just for big corporations. Local family businesses and smaller groups need them too, and we’re here to help.
A little bit about us
Whether you’re looking to secure your own retirement or your clients’, we’ll work with you to find strategies that are right for you to help you meet your specific, long-term goals.
Retirement plans: #1 provider of Defined Benefit retirement plans 1 , #1 recordkeeper of Employee Stock Ownership Plans 2 , and #1 provider of Nonqualified Deferred Compensation plans 3
Insurance: The #3 provider of group benefits (dental, life, and disability) insurance 4
Workplace culture: America's Best Employers For Women5, Best Place to Work in Money Management6, Best Place to Work in Information Technology7 one of America's Best Employers8, one of the NAFE Top Companies for Executive Women9, and one of America’s Best Employers for Diversity10
Company ethics: One of the World's Most Ethical Companies11
We have $731.3 billion12 in assets under management, and you can trust us to manage your money, too. Join our customers worldwide, whom we serve through a network of dedicated financial professionals located in 25 nations and territories around the world.
Find dental insurance plans for individuals and families
Dental health is an important part of your overall health. Dental plans can help you plan and budget for the costs of dental care. With a variety of plans available, you can find basic dental coverage for general dental care or choose coverage for major care, such as dental implants. Dental insurance plans are underwritten by Golden Rule Insurance Company, and include a range of options so you can find one that's most affordable for you.
One of the Largest Networks in the Nation
That means members have access to quality dentists near where they live, work and go to school.
Better yet, our network discounts are among the best in every state, meaning lower out-of-pocket expenses for members and reduced claim costs for clients.