Ameritas Reviews 

I signed up on line and paid the money for the plan- about $42 at the time. I never received any documentation . So today when I saw a charge again from them on my bank account and I called for a refund and cancellation they refused the refund- said they do not give refunds . So they have collected the money for no service . Please be careful dealing with this company they are no good in my opinion

I have paid this Insurance company for benefits for several years. When it comes time for them to pay any benefits, they find reasons to deny or pay any reasonable amount. They are a WORTHLESS Insurance company and should be avoided at any cost.
Update 10/14/26. Ameritas responded by telling me to call them. I have called them after their response, and it's always the same. They are sorry for being a WORTHLESS insurance company, and they love to take your premiums, but hardly pay anything on claims. Never use Ameritas for anything, the Nebraska Insurance commission should investigate this fraud company and shut them down.

Ameritas takes NO responsibility for providing an accurate and up to date provider list. Its the member's responsibility to ensure their list is accurate. And if its not and they cannot provide any provider within a certain distance, they do not honor the network copay. Additionally, they do not cover many charges necessary for dental work. So that is also left on member to pay. I'm considering saving the premium and using it to pay for things without insurance. Likely better off because it eliminates the frustration of them not doing what I pay them for and that money can be used to pay for services.

Shady as f... You can't even look up your own cards online if you are a dependent and doesn't cover much. Ended up having to pay over 300 out of pocket for a tooth extraction because they would not be upfront with my dentist on coverage.

A customer service rep for Ameritas admitted to me that they have long-standing IT issues that prevent account holders from requesting transactions. When I asked why, given their awareness, the problem hadn't been fixed, he claimed ignorance. When I asked if I would be notified when the IT ticket he supposedly submitted on my behalf was resolved, he said "no; there are only 6 people on our team".

Absolutely no idea how to run a business, website is a disaster and customer service is non existent.

This company is 100% fraudulent, they should all be in jail

Signed up for 100% coverage on just about everything and I was paying for the privilege it is more expensive than most. Only to find out they don't even cover 40%

They don't cover anything, avoid at all costs. This is the worst insurance you can possibly imagine,

Predatory underwriting, they don't cover anything

Been with them for years,moved told em to move autopay to the 1st, just found out that they didn't listen moved it to the 24th and I'm a retiree and they took my last food money and now I have to go hungry, they hate American Veterans and this country. Look at the way they treated me!?
Talk about what how you made me go hungry because you refused to listen to me,the customer, you made it all about you, you even made me go hungry here in America the country I served. Despicable behavior to our veterans.
I'll tell you cockroaches one thing if I was employed at your company,that veteran would not go hungry, even if it meant sending it out of my own pocket via Western Union. But scumbag companies don't do that because they hate our veterans.

Do not trust this company with your personal information. Their underwriting department engages in gross data fabrication. They took basic, proactive marriage counseling from my past and intentionally twisted it on my record as a clinical "Anxiety Disorder" to artificially inflate my risk profile. Let me be perfectly clear: I have never had a clinical diagnosis of anxiety, and my attending physician explicitly confirmed there is zero clinical basis for it. Yet, this company weaponized these distorted, false medical markers and published them to the global MIB clearinghouse, blacklisting me from getting standard insurance coverage across the entire domestic market. When caught red-handed, their compliance and dispute department completely failed. Their "reinvestigation" is a fraudulent rubber-stamp operation. They willfully refused to fix their verified inaccuracies, actively engaging in corporate defamation. They operate with a total disregard for the Fair Credit Reporting Act (FCRA) and have caused me immediate, severe financial damage. They are reckless, incompetent, and fully prepared to sabotage a consumer's life rather than admit an underwriting mistake. I am actively escalating this case before the CFPB, the FTC, and the State Insurance Commissioner. Take your business anywhere else unless you want your reputation ruined by corporate data fabricators.

There was a fraudulent account set up and I found that for 4 years, I was paying for insurance I didnt need! Looks like a similar payment on our statements, but we were helped by a guy named Gavin who was very informative, and great! but the Admin Lady above him not so nice. She was very rude, talking over me basically stating that we were " lucky Gavin Helped us because she wouldnt have given us the refund". We were still trying to establish what was going on, and the ( Sounded foreign) woman on the phone was very sarcastic, even commented that it wasnt their fault I didnt see the charge for such a long time etc. Very unprofessional to say the least. Thanks Gavin! Dont change! Good Customer service is rare. Gavin 5 stars.

They do not appear to honor their waiting period policies and cause grief to the dental offices (and patients) trying to process claims and communicate, etc., taking way too long. I got a 'bill overdue notice' before receiving the 'bill'.
Mostly non-existent customer service. Tried numerous times to simply sign in. They had numerous ways to block that and forced me to re-verify my account by email w/the UNBLOCK and the CODE methods which absolutely failed. Need HUGE passwords that I must have entered 10 times w/all the verification BS and all I ever got was 'UNABLE TO SIGN IN' w/no explanation. I NEVER got a reply from their email address('s) and now all of them pop-up 'INVAILD EMAIL ADDRESS'. [Not a good sign.] Multiple phone numbers w/different auto-info. When finally speak to someone guess what they say; 'It would be better if you 'emailed' your concerns so we could have a better look at 'your' problem. Absolutely no way to accomplish this of course. My 'problem' was in signing up w/this loser outfit from the get go. Now I must start over again w/new insurance and w/new waiting periods. My guess is they are defunct in relatively short order (I hope).

Worst company in the world. They pretend to not keep records and defraud the elderly, like my mom, to the point of being more expensive than their fix income. Their initial life insurance policies claimed that compounded interest would cover this. WRONG! Compounded interest disappears when people get old. Just the worst and most disgusting company in the world.

Zero stars are not an option. Pay $108 a month for my daughter and me. Have had plan for 5 years. Just found out that after all this time they still only cover $1200 a year for work. Save your money, find another place..

I started employment 4 months ago, and had a crown crack in half. I went to the dentist and because this is considered "Major" - I have to wait twelve months to get fixed or pay the dentist out of pocket 8k. I will be canceling my Ameritas coverage as soon as open enrollment comes up. YOU AR WAY BETTER OFF WITH ANYTHING OTHER THAN AMERITAS - FALSE SENSE OF SECURITY WHEN IT COMES TO DENTAL EXPENSES!

I'm a new client. within 1 months of staring on Ameritas they denied a procedure. My dentist is in-network and she's surprised at this. They appealed and got someone who didn't understand what they were reading who told them it was denied. I phoned and the woman was nice and checked with others. It was obvious that she was struggling to explain what the problem is - meaning it's ridiculous. Finding out if I can cancel this dental insurance.

We pay $198 a month for dental for our children. Well my son had two baby teeth that just needed a little help coming out and my daughter needed a filling for one cavity. We were behind on a month because of a card switch. My husband called and talked to someone and made a payment and she said just make another payment in 2 weeks and you will be caught up. So we were going to do that next week. Woke up this morning and saw they drained our bank account and took $400 out. And it's SATURDAY MORNING. WE HAVE NO MONEY FOR THE WEEKEND TO EAT OR DO ANYTHING. Our dental bill for taking our kids to the dentist is $280 because Ameritis doesn't cover anything!! What are we paying $200 a month for if we still have to pay out of pocket $300 for a routine visit to the dentist!! Canceling my plan and hopefully getting my money back

Signing up with Ameritas dental was one of the worst descisions I have made. Do not listen to customer service. I was told I was covered for a certain procedure but come to find out it was 8 days before the 6 mo major was covered... another rep said it was a year. So they don't even understand their own policies. I was then told I could send in a one time appeal. But that was also denied. If I would have been told the truth I could have waited 8 days to save me $4k. I have cancelled my policy. I cannot recommend a company that does this and not stand with what their employees state.... No to Ameritas

After being on Ameritas Dental for 3 years. We finally took a look at what they paid out on us.me and my wife. The list of Doctors they give you is a crock of ---'- every Dentist we went to didnt take them so it was out of network.. after 3 years they paid a total of 300. Dollars. After paying their cost at 98.00 a month 1st 2 years then it jumped to 106.98 the last 8 months before i canceled it. This company needs to be investagated. And if you ask for a item cost before you have it done...they would Denie it. Worst insurance i ever had.

I took out Dental and Vision insurance thru Ameritas. I paid Ameritas and received insurance cards in the mail for both dental and vision. When I went to use the vision they denied the coverage. When I called trying to straighten this out I got an answering machine which couldn't help and it was not possible to speak with a person. After over an hour on the phone I learned that Ameritas had sub-contracted the vision insurance to Eye Med. Eye Med had changed the member ID card to something different than shown on the Ameritas card. They also changed the spelling of my name. I never received an insurance card from Eye Med. I haven't tried the Ameritas dental yet.

This is probably the worst insurance I have experienced. Assured when we switched there was a provider in our area. switched. NO pediatric dentist within network within 75 miles. cant trust their provider list online. everyone I've called via their list of in network providers says they arent. Had a one year waiting period. had to pay 4000 out of pocket during that time to an out of network dentist. now if we switch, we have another one year waiting period. But cant get care anywhere due to the insurance apparently being terrible. EVERY DENTIST I have talked to/recommended/asked to join network has refused. Probably for a good reason. Its been 2 weeks since I emailed asking for a provider list. Never received.