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Illinois Retired Teachers Association

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Dental Plans That Fit Your Budget
Man flossing
  • Keep your dentist or choose an In-Network dentist and save
  • Over 400,000 providers to choose from, whether home or away
  • No waiting period on covered services – get access right away
  • Covers exams, cleanings, fillings, crowns, implants, and more
  • High annual maximum that can increase after one year
Man flossing
Dental Plan Comparison
Gold
Plan
Essential Coverage
Platinum
Plan
Most Comprehensive
Member Only
$40.41/month
$69.25/month
Member +1
$80.84/month
$138.51/month
Member + Family
$102.05/month
$174.86/month
Deductible
$50.00
$100.00
(waived for Preventative services)

Annual Maximums

Gold
Plan
Platinum
Plan
In Network
$1,000.00 per year/person
$1,500.00 per year/person
Out of Network
$1,000.00 per year/person
$1,500.00 per year/person

Rewards

Gold
Plan
Platinum
Plan
Annual Benefit Threshold
$500.00
$750.00
Annual Maximum Benefit
$1,000.00
$1,500.00
Dental Rewards Carry Over
$250.00
$250.00
Year 2 Maximum Benefit
$1,250.00
$1,750.00
Total Maximum Benefit
$2,000.00
$2,500.00

Preventative

Routine Cleanings
Covers 100%
Covers 100%
Routine Oral Exams
Covers 100%
Covers 100%

Basic

Fillings
Covers 70%
80% after year 2
90% after year 3
Covers 80% I.N. (70% O.O.N.)
Sealants
Covers 70%
80% after year 2
90% after year 3
Not Covered
X-Rays (all types)
Covers 70%
80% after year 2
90% after year 3
Covers 80% I.N. (70% O.O.N.)
Crown Repair
Covers 50%
Covers 80% I.N. (70% O.O.N.)
Denture Repair
Not Covered
Covers 80% I.N. (70% O.O.N.)

Major

Crown Repair
Covers 50%
Covers 80% I.N. (70% O.O.N.)
Crown (all types)
Covers 50%
Covers 50% I.N. (40% O.O.N.)
Dentures (all types)
Covers 50%
Covers 50% I.N. (40% O.O.N.)
Root Canal (all types)
Covers 50%
Covers 50% I.N. (40% O.O.N.)
General Anesthesia
Covers 50%
Covers 50% I.N. (40% O.O.N.)
Periodontics
Covers 50%
Covers 50% I.N. (40% O.O.N.)
Extractions
Covers 50%
Covers 50% I.N. (40% O.O.N.)
Implants
Not Covered
Covers 50% I.N. (40% O.O.N.)

Use your current dentist OR Save 25-50% with a dentist in our network. Find a dentist
(note: Enter zip, select city & state, and Classic PPO network.)

Ameritas Life
Details may vary based on start date. Please note it may take 10-15 days to process your enrollment. You will receive a ‘welcome to the program’ letter which will include your group number and carrier details. Please consult your policy as the final ultimate source of covered services and program details.
Rates valid through February 28th, 2025.

Select a Dental or Vision plan to continue.

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