Insurance Carrier
Ameritas
Ameritas traces its roots to 1887 and operates today as a mutual company - meaning it is owned by its policyholders, not by outside shareholders demanding quarterly returns. That structural fact is worth sitting with for a moment: when there are no shareholders to pay dividends to, the question of where profits go has a different answer. Ameritas holds an A (Excellent) financial strength rating from AM Best, reflecting over a century of claims-paying history and balance sheet stability. If you have ever wondered whether the company holding your health coverage is working for you or for Wall Street, the mutual company model gives you a structurally different answer.
Most insurance companies are publicly traded or shareholder-owned - which means the executive team answers to investors first and policyholders second. Ameritas made a different structural choice when it organized as a mutual company: policyholders are the owners. That is not a marketing slogan; it is a legal and financial reality that shapes how surplus capital is managed, how pricing decisions are made, and what the company is ultimately accountable for. Ameritas is also widely recognized as one of the leading dental and vision insurance providers in the country - which means many people approaching Medicare have already dealt with Ameritas in a prior employer benefits context. For someone already familiar with the company, adding a Medigap policy with a carrier whose name and service standards you already know is a different kind of decision than starting from scratch with an unknown insurer.
What Ameritas Is Known For
Mutual company structure since 1887 - Ameritas is policyholder-owned with no outside shareholders, headquartered in Lincoln, Nebraska, with more than 135 years of operating history in the insurance industry
AM Best A (Excellent) financial strength rating - reflecting long-term claims-paying reliability and balance sheet stability, the same rating tier that underwriters and financial planners use when evaluating whether a carrier can honor its commitments over a decades-long policy relationship
Medicare Supplement plan offerings typically include Plan G, Plan N, and High-Deductible Plan G (Plan HDG) where available by state - all standardized by CMS, which means the core benefits are identical across every carrier offering the same plan letter, and only the premium and the company behind the policy differ
Ameritas is one of the most recognized names in dental and vision insurance in the United States - many beneficiaries approaching Medicare already have an Ameritas dental or vision relationship from prior employer coverage, making the transition to a Medigap policy with the same carrier a natural and familiar one
Like all standardized Medigap policies, an Ameritas Medicare Supplement plan carries no provider network restrictions - you can use any doctor, specialist, or hospital that accepts Original Medicare, anywhere in the United States, without referrals or prior authorization for covered services
Member Perks & How to Use Them
With Ameritas, the structural advantages start before you even use your policy - a policyholder-owned company, a claims process designed so you almost never have to file anything yourself, complete freedom to choose any Medicare-accepting provider, and for many people, the unique opportunity to consolidate dental, vision, and Medigap coverage under one carrier they already trust. Understanding how each of these elements works in practice is what turns a policy number into genuine peace of mind.
How to use your Ameritas Medigap policy: At each doctor’s office, specialist, or hospital visit, present both your red, white, and blue Medicare card and your Ameritas Medicare Supplement ID card. Medicare pays its portion first, and Ameritas automatically pays its share of the remaining approved cost - most members never have to submit a claim themselves
No network - any Medicare-accepting provider, anywhere: With an Ameritas Medicare Supplement policy, you have full freedom to choose any doctor, specialist, or hospital that accepts Original Medicare in the United States - no referrals required, no network approvals, no out-of-network penalties regardless of where you receive care
Ameritas dental and vision bundling: If you already have Ameritas dental or vision coverage from a previous employer plan or purchased it separately, ask your agent whether bundling your Medigap policy with existing Ameritas coverage creates any premium advantages, streamlined enrollment, or consolidated billing in your state
Prescription coverage - add a standalone Part D plan: Medicare Supplement policies do not include prescription drug coverage. Ask your agent to help you select a standalone Medicare Part D prescription drug plan alongside your Ameritas Medigap policy - delaying Part D enrollment can trigger a permanent late-enrollment penalty
Nationwide travel coverage: Your Ameritas Medigap policy covers Medicare-approved care from any Medicare-accepting provider across all 50 states - whether you travel seasonally, split time between states, or live part of the year elsewhere, your coverage goes with you
Availability
Ameritas Medicare Supplement plans are available in select states, distributed through independent licensed insurance agents. Medigap plan letters, premium rates, and availability vary by state, age, gender, tobacco status, and underwriting rules - confirm what is available in your specific ZIP code with a licensed agent before comparing options.
What to Verify Before Enrolling
Choosing a Medigap policy is one of the more consequential financial decisions you will make in retirement - and with Ameritas, the mutual company story and the dental bundling angle can make the choice feel intuitive before you have actually done the comparison work. Do not let that comfort skip the checklist. Every item below is a real variable that affects whether this carrier and this plan letter make sense for your specific situation, your ZIP code, and where you are in the Medicare enrollment timeline.
- ✓
Confirm which Medicare Supplement plan letters (such as Plan G, Plan N, or High-Deductible Plan G) are currently filed and approved by Ameritas in your specific state - not every plan letter is available in every state, and Ameritas’s Medigap footprint covers select states rather than all 50
- ✓
Request current premium quotes for your exact age, gender, tobacco status, and ZIP code - Medigap premiums vary significantly by location and individual factors, and the only way to know whether Ameritas is competitively priced in your area is to compare their rate against other carriers offering the same plan letter
- ✓
Clarify whether you are within your Medigap Open Enrollment Period - the six months following your Medicare Part B effective date - which guarantees issue regardless of health history; outside that window, Ameritas may apply medical underwriting, and pre-existing conditions could affect eligibility or pricing
- ✓
Ask your agent whether Ameritas offers a household or multi-policy discount in your state, and whether having an existing Ameritas dental or vision policy creates any premium advantages or streamlined enrollment for adding a Medicare Supplement policy
- ✓
Confirm you have a separate standalone Medicare Part D prescription drug plan alongside any Medigap policy - Medicare Supplement plans do not include prescription drug coverage, and delaying Part D enrollment can trigger a permanent late-enrollment penalty
Contact Ameritas Directly
If you are an existing Ameritas policyholder with a billing question, a claim to check on, or coverage details you need confirmed, the Member Services team has direct access to your policy in a way no outside source can match. Have your member ID ready when you call, and use the contact information below to reach Ameritas directly - or visit their website if you prefer to manage your account online.
Member Services
1-800-487-5754Website
www.ameritas.comMailing Address
Ameritas Life Partners P.O. Box 81889 Lincoln, NE 68501
Contact information is provided for reference and may change. Always verify current contact details on Ameritas’s official website or your plan materials.
Benefits Vary by Plan, County, and Eligibility
Plan availability varies by county and ZIP code. Benefits, premiums, copayments, provider networks, formularies, and rules vary by plan and may change. Always review official plan materials before enrolling.
Check Ameritas Availability in Your Area
If working with a company that has answered to its policyholders - not Wall Street - for over 135 years sounds like a better foundation for your Medicare coverage, the next question is whether Ameritas is available in your state and what their current rates look like for your age and ZIP code. Enter your information below and a licensed agent will pull current Medigap quotes, confirm which plan letters Ameritas offers in your area, and walk you through whether the dental and vision bundling angle creates any real premium advantages for your situation.
Quick Medicare Review
Enter your details and a licensed agent will reach out to you.