Current as of 10/21/2020AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA ME MI MN MS MT NC ND NE NJ NM NV OH OK OR RI SC SD TN TX UT VA VT WI WV WY
Current as of 10/21/2020
ProtectorPlus Dental Network (MAC/MAB) plans are created for those who will visit an Ameritas Dental Network provider. The Maximum Allowable Charge (MAC) claim allowance is the maximum amount a network provider may charge. If a member selects a network provider, they may have lower out-of-pocket costs. If they visit an out-of-network dentist, the claim allowance is considered at the Maximum Allowable Benefit (MAB).
All plans allow members to choose any dentist, but if they plan to visit an out-of-network dentist ProtectorPlus Dental offers the best benefits for them. If they visit a network provider, payments are based on the dentist’s contracted fees (MAC), which may result in lower out-of-pocket costs. If a member visits an out-of-network dentist, covered benefits are paid at the 80th percentile of usual and customary charges. This means Ameritas expects 8 out of 10 charges from dental providers to be within the amount they will pay for a covered procedure. Member pays the difference between what the plan pays and the dentist’s actual charge.