Ameritas Life Insurance Corp. is adding preventive care incentives to a group dental plan built around a feature that resembles a health reimbursement arrangement.[@@]
Members of the Dental Rewards plan sold by Ameritas, Lincoln, Neb., can earn “carryover amounts” that carry over from one year to the next by keeping claims low. In later years, members can use the carryover amounts to help pay for procedures with prices that exceed plan reimbursement limits.
In the past, the members who received the highest carryover amounts were the members who avoided seeing dentists at all.
Now, Ameritas says, the highest carryover amounts will go to plan members who earn “PPO Bonus” incentives by getting exams from dentists within the Ameritas provider network once a year, then minimize claims the rest of the year.
Ameritas is a unit of the Ameritas Acacia Mutual Holding Company, Lincoln.