Plans for your small business

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Benefits are paid monthly through the convenience of Credit or Debit Card.

Teladoc

NewBenefits Health Focused Plan

Teladoc ($0 Visit Fee) Talking to a doctor has never been easier. Get treatment for non-emergency conditions now. 24/7 access to healthcare and medical advice by phone, video or app. 24/7 Account Access.

And much more... click for more details. The Plus option inludes Teladoc Mental Health ($25 Visit Fee)

Teladoc Video benefit review

Minimum Value

SBMA MV Plan

The Advantage and Max Minimum Value PPO Plans provide coverage for various healthcare needs. Both plans offer in-network savings, covering preventive care at no cost, and include services like primary and specialist visits, diagnostic tests, and prescription drugs with applicable copays. Both cover emergency services, hospitalization, and mental health care, with out-of-network services incurring higher costs.

Legal and Financial

NewBenefits Legal and Financial

Legal Services - enjoy free and discounted services from experience lawyers

LawAssure - create high-quality legal documents with expert guidance

Tax Hotline - get free tax return preparation and year-round support

Financial Wellness - live coaching and online resources to improve your financial health

Roadside Assistance - 24/7 assistance just one call away

Legal and Financial description and overview

Legal & Financial Video benefit overview

Dental

Ameritas Dental Plus helps cover the cost of many Type 1, 2, and 3 services.

Maintaining good oral health can help adults avoid or better manage serious health related issues. Below is a comparison of the plan and services offered. The plan has the option to cover you, you plus one, or your entire family.

Service Type	MAC	Covered Year 1	Covered Year 2	Covered Year 3
Type 1	Routine Exam Cleaning Bitewing X-rays ER Palliative Treatment	100%	100%	100%
Type 2	Fillings X-Rays Simple Extractions	50%	65%	80%
Type 3	Complex Oral Surgery Endodontics Periodontics Crowns Bridges Dentures Implants	20%	35%	50%
Hearing	$75 Exam & Materials	$200 year 1	$300 year 2	$400 year 3
No Coverage	Sealants Fluoride Space Maintainers
Deductible	$25/Benefit Year Type 1, 2, & 3
Maximum (per person)		$2,000 per benefit year	$2,500 per benefit year	$3,000 per benefit year
Waiting Period	None

View Plan Details

Increasing maximum
Insurance covers a maximum amount per person per benefit period for Basic and Major services combined. The annual maximum benefit day one is $2,000. After year one, the maximum increases to $2,500. After year two, the maximum increases to $3,000.

Hearing Benefit:
Benefits are available for hearing exams and hearing aids. Each benefit period you receive up to $75 for eligible hearing exams. The plan pays 50% of the hearing aid cost up to the maximum benefit. The maximum benefit is $200 day 1, $300 after year 1, and $400 after year 2.
Five years after using your hearing aid coverage, you are re-eligible for the benefit at the top level. A reduced benefit is available after three years if your current hearing aids can no longer correct your hearing. All benefits assume no break in coverage.

The Ameritas Dental Network is one of the nation’s largest. Network providers have agreed to charge 25-50% less than their regular rates which can lower your out-of-pocket costs. Find a network dental provider near you.

You can visit any dentist, in- or out-of-network. And family members do not need to visit the same provider. Use our dental cost estimator to find average procedure charges in your area. The estimates do not include network discounts or plan benefits.

Ameritas Dental 2500 helps cover the cost of many Type 1, 2, and 3 services.

Service Type	Dental 2500 Plus Network	Covered Year 1	Covered Year 2	Covered Year 3
Type 1	Routine Exam Cleaning Bitewing X-rays ER Palliative Treatment	100%	100%	100%
Type 2	Fillings X-Rays Simple Extractions	50%	65%	80%
Type 3	Complex Oral Surgery Endodontics Periodontics Crowns Bridges Dentures Implants	20%	35%	50%
Hearing	$75 Exam & Materials	$200 year 1	$300 year 2	$400 year 3
No Coverage	Sealants Fluoride Space Maintainers
Deductible	$25/ benefit Year Type 1, 2, & 3
Maximum (per person)		$2,000 per benefit year	$2,500 per benefit year	$3,000 per benefit year
Waiting Period	None
PPO	Ameritas Classic

View Plan Details

Ameritas Dental 2500 helps cover the cost of many Type 1, 2, and 3 services.

Service Type	Dental 2500 Plus Network	Covered Year 1	Covered Year 2	Covered Year 3
Type 1	Routine Exam Cleaning Bitewing X-rays ER Palliative Treatment	100%	100%	100%
Type 2	Fillings X-Rays Simple Extractions	50%	65%	80%
Type 3	Complex Oral Surgery Endodontics Periodontics Crowns Bridges Dentures Implants	20%	35%	50%
Hearing	$75 Exam & Materials	$200 year 1	$300 year 2	$400 year 3
No Coverage	Sealants Fluoride Space Maintainers
Deductible	$25/ benefit Year Type 1, 2, & 3
Maximum (per person)		$2,000 per benefit year	$2,500 per benefit year	$3,000 per benefit year
Waiting Period	None
PPO	Ameritas Classic
Maryland Specific Notes	3x benefit period for Exams, Bitewings, Cleanings, and Fluoride

View Plan Details

Ameritas Dental Plus helps cover the cost of many Type 1, 2, and 3 services.

Service Type	Dental Plus	Covered Year 1	Covered Year 2	Covered Year 3
Type 1	Routine Exam Cleaning Bitewing X-rays ER Palliative Treatment	100%	100%	100%
Type 2	Fillings X-Rays Simple Extractions	50%	65%	80%
Type 3	Complex Oral Surgery Endodontics Periodontics Crowns Bridges Dentures Implants	20%	35%	50%
No Coverage	Sealants Fluoride Space Maintainers
Deductible	$25/ benefit Year Type 1, 2, & 3
Maximum (per person)		$2,000 per benefit year	$2,500 per benefit year	$3,000 per benefit year
Waiting Period	None
PPO	Ameritas Classic

View Plan Details

*Plans not available in MA

Ameritas Dental Plus helps cover the cost of many Type 1, 2, and 3 services.

Service Type	Dental Plus	Covered Year 1	Covered Year 2	Covered Year 3
Type 1	Routine Exam Cleaning Bitewing X-rays ER Palliative Treatment	100%	100%	100%
Type 2	Fillings X-Rays Simple Extractions	50%	65%	80%
Type 3	Complex Oral Surgery Endodontics Periodontics Crowns Bridges Dentures Implants	0%	50%	50%
Hearing	$75 Exam & Materials	$200 year 1	$300 year 2	$400 year 3
No Coverage	Sealants Fluoride Space Maintainers
Deductible	$25/ benefit Year Type 1, 2, & 3
Maximum (per person)		$2,000 per benefit year	$2,500 per benefit year	$3,000 per benefit year
Waiting Period	12 month waiting period for Type 3 Services
PPO	Ameritas Classic

View Plan Details

Ameritas Dental Plus helps cover the cost of many Type 1, 2, and 3 services.

Service Type	Dental Plus	Covered Year 1	Covered Year 2	Covered Year 3
Type 1	Exams (2 per benefit period) Cleaning (2 per benefit period) Bitewing X-rays ER Palliative Treatment Sealants (All ages) Fluoride (up to age 16)	100%	100%	100%
Type 2	Fillings X-Rays Simple Extractions	50%	65%	80%
Type 3	Complex Oral Surgery Endodontics Periodontics Crowns Bridges Dentures Implants TMJ	20%	35%	50%
No Coverage	Space Maintainers
Deductible	$25/ benefit Year Type 1, 2, & 3
Maximum (per person)		$2,000 per benefit year	$2,500 per benefit year	$3,000 per benefit year
Waiting Period	None
PPO	Ameritas Classic

View Plan Details

PPO (U&C) Out-of-Network paid at 80th percentile

If you visit an out-of-network dentist, covered benefits are paid at the 80th percentile of usual and customary (80th U&C) charges. This means we expect 8 out of 10 charges from dental providers to be within the amount insurance pays for a covered procedure. You pay the difference between what the plan pays and the dentist's actual charge. If you visit a network provider, payments are based on the dentist's contracted fees (MAC/maximum allowable charge), which may result in lower out-of-pocket costs.

*Plans not available in MA

PPO (U&C) Out-of-Network paid at 80th percentile

If you visit a network provider, payments are based on the dentist's contracted fees (MAC/maximum allowable charge), which may result in lower out-of-pocket costs. If you visit an out-of-network dentist, covered benefits are paid at the 80th percentile of usual and customary (80th U&C) charges. This means we expect 8 out of 10 charges from dental providers to be within the amount we'll pay for a covered procedure. You pay the difference between what the plan pays and the dentist's actual charge. Learn more about MAC/U&C claim allowance.

The Ameritas Dental Network is one of the nation's largest. Network providers have agreed to charge 25-50% less than their regular rates which can lower your out-of-pocket costs. Find a Classic (PPO) network provider near you.

Indemnity (U&C) Paid at 80th percentile

Covered benefits are paid at the 80th percentile of usual and customary (80th U&C) charges. This means we expect 8 out of 10 charges from dental providers to be within the amount Ameritas will pay for a covered procedure. You pay the difference between what the plan pays and the dentist's actual charge.

* If you reside in these Pensylvania zip codes,15828, 16217, 16239, 16321, 16322, 16353, 16370, 16720, 16746, 16748, 16915, 16922, 16923, 16927, 16937, 16941, 16948, 17729, please utilize this Dental Claims Allowance information.

* If you reside in these Wyoming zip codes,82100-82199, 82200-82299, 82700-82799, 82800-82899, and 83000-83099, please utilize this Dental Claims Allowance information.

Network (MAC)

The Maximum Allowable Charge (MAC) claim allowance is the maximum amount a network provider may charge. If you select a network provider, you may have lower out-of-pocket costs. If you visit an out-of-network dentist, the claim allowance is considered at the Maximum Allowable Benefit (MAB), which is equal to the lowest contracted fee in your ZIP Code area. You pay the difference between what the plan pays and the dentist's actual charge.

Important State Notice

THIS POLICY DOES NOT INCLUDE COVERAGE OF PEDIATRIC DENTAL SERVICES AS REQUIRED UNDER THE AFFORDABLE CARE ACT. COVERAGE OF PEDIATRIC DENTAL SERVICES IS AVAILABLE FOR PURCHASE IN THE STATE OF COLORADO AND CAN BE PURCHASED AS A STAND-ALONE PLAN. PLEASE CONTACT YOUR INSURANCE CARRIER, AGENT, OR CONNECT FOR HEALTH COLORADO TO PURCHASE EITHER A PLAN THAT INCLUDES PEDIATRIC DENTAL COVERAGE OR AN EXCHANGE-QUALIFIED STAND-ALONE DENTAL PLAN THAT INCLUDES PEDIATRIC DENTAL COVERAGE.

THIS IS A LIMITED BENEFIT HEALTH COVERAGE POLICY AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.

Important State Notice

Note for Massachusetts Residents. This policy may be subject to waiting periods and limitations. Please refer to your Policy. This Policy is renewable at Your option unless: (1) Your Renewal Premium is not received before the Grace Period ends; (2) We refuse to renew all Policies of this form in Your state of residence; or (3) Subject to the termination provisions provided herein. No refusal of renewal will affect an existing claim

*Plans not available in MA

Important State Notice

The undersigned applicant and agent (if applicable) certify that the applicant has read, or had read to him, the completed application and that the applicant realizes that any false statement or misrepresentation in the application may result in loss of coverage under the policy.

THIS IS AN EXCEPTED BENEFITS PLAN. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

THIS IS A STAND-ALONE DENTAL PLAN THAT IS NOT EXCHANGE CERTIFIED AND MAY NOT PROVIDE MINIMUM ESSENTIAL PEDIATRIC DENTAL BENEFITS.

Important State Notice

NOTICE TO CONSUMERS: This is a limited benefits health plan. The benefits provided are supplemental to, and not a substitute for, major medical coverage, even in combination with other limited benefit plans. To apply for an individual or small-group major medical plan, please visit the website of the New Mexico Health Insurance Exchange at www.bewellnm.com or call 1-833-862-3935 (TTY: 711).

This plan may contain limitations for replacement of missing teeth. Please see LIMITATIONS for details.

Underwritten by Ameritas Life Insurance Corp. | 5900 O Street Lincoln, NE 68510

This is not a certificate of insurance or guarantee of coverage. Plan designs may not be available in all areas and are subject to individual state regulations. This piece is not for use in New Mexico. This information is provided by Ameritas Life Insurance Corp. (Ameritas Life). Dental, vision and hearing care products (9000 Rev. 03-16 for Group and 9000 Rev. 10-22 for Individual, dates may vary by state) are issued by Ameritas Life. The Dental and Vision Networks are not available in RI. In Texas, our dental network and plans are referred to as the Ameritas Dental Network. Ameritas, the bison design and “fulfilling life” are service marks or registered service marks of Ameritas Life, affiliate Ameritas Holding Company or Ameritas Mutual Holding Company. © 2024 Ameritas Mutual Holding Company.

Underwritten by Ameritas Life Insurance Corp. | 5900 O Street Lincoln, NE 68510

This is not a certificate of insurance or guarantee of coverage. Plan designs may not be available in all areas and are subject to individual state regulations. This information is provided by Ameritas Life Insurance Corp. (Ameritas Life). Dental and vision products (9000 NM Rev. 09-21 for Group and Indiv. 9000 NM Rev. 09-21 for Individual) are issued by Ameritas Life. Ameritas, the bison design and “fulfilling life” are service marks or registered service marks of Ameritas Life, affiliate Ameritas Holding Company or Ameritas Mutual Holding Company. © 2024 Ameritas Mutual Holding Company.

Vision

Ameritas Vision helps cover the cost of many eye care services.

Maintaining good vision health can help adults avoid or better manage serious health related issues. Below is a comparison of the plan and services offered. The plan has the option to cover you, you plus one, or your entire family.

Services	VSP	EyeMed
Eye Examinations	Every 12 months $15 deductible	Every 12 months $15 deductible
Eyeglass Material	Every 12 months $25 deductible	Every 12 months $25 deductible
Frame Allowance	$150	$150
Single Vision	Covered in full	Covered in full
Bifocal	Covered in full	Covered in full
Trifocal	Covered in full	Covered in full
Lenticular	Covered in full	Covered in full
Contacts (in lieu of glasses)	Every 12 months	Every 12 months
Elective	Up to $150	Up to $150
Medically Necessary	Covered in full	Covered in full
Fit & follow-up Exam	Member cost up to $60	Member cost of $15
Lens Options and Coatings, Member Cost
Std. polycarbonate	$31 - $35	$40
Tints & dyes (except pink l & ll)	$34 - $44	$15
Scratch resistant	$17	$15
Anti-reflective	$41	$45
Ultraviolet	$16	$15
Waiting Period	None	None

View Plan Details

VSP - Vision Plus

VSP offers the nation's largest network of independent providers. Browse and buy online at eyeconic.com and get the most current deals on eyewear with network benefits.

VSP provider discounts. Take advantage of 20% off the remaining frame balance, additional prescription glasses, and non-covered lens options. And receive an extra $20 to spend on featured frame brands. Your laser vision correction discount can be used on LASIK or PRK procedures.

Based on applicable laws, reduced costs may vary by doctor location.

To search providers, go to vsp.com or call (800) 877-7195.

*Not all providers at Costco locations are VSP network providers. Please verify that your provider is in the VSP network before seeking services. The frame allowance at some retailers may be less due to lower wholesale pricing.

EyeMed - Vision Max

EyeMed offers one of the largest vision networks in the nation with a mix of independent providers and retail chains. Network benefits apply when you browse and buy online at ContactsDirect and Glasses.com.

EyeMed provider discounts. Take advantage of 20% off the remaining frame balance, materials not covered by the plan, and non-prescription sunglasses. Your laser vision correction discount can be used for LASIK or PRK procedures.

Based on applicable laws, reduced costs may vary by doctor location.

To search for providers, go to eyemed.com and select the Access Network or call (866) 289-0614

Ameritas Vision helps cover the cost of many eye care services.

Maintaining, good vision health can help adults avoid or better manage serious health related issues. Below is a comparison of the plan and services offered. The plan has the option to cover you, you plus one, or your entire family.

Services	VSP	EyeMed
Eye Examinations	Every 12 months $15 deductible	Every 12 months $15 deductible
Eyeglass Material	Every 12 months $25 deductible	Every 12 months $25 deductible
Frame Allowance	$150	$150
Single Vision	Covered in full	Covered in full
Bifocal	Covered in full	Covered in full
Trifocal	Covered in full	Covered in full
Lenticular	Covered in full	Covered in full
Contacts (in lieu of glasses)	Every 12 months	Every 12 months
Elective	Up to $150	Up to $150
Medically Necessary	Covered in full	Covered in full
Fit & follow-up Exam	Member cost up to $60	Member cost of $15

Lens Options and Coatings, Member Cost
Std. polycarbonate	$31 - $35	$40
Tints & dyes (except pink l & ll)	$34 - $44	$15
Scratch resistant	$17	$15
Anti-reflective	$41	$45
Ultraviolet	$16	$15
Waiting Period	None	None

View Plan Details

VSP - Vision Plus

VSP offers the nation's largest network of independent providers. Browse and buy online at eyeconic.com and get the most current deals on eyewear with network benefits.

Based on applicable laws, reduced costs may vary by doctor location.

To search providers, go to vsp.com or call (800) 877-7195.

EyeMed - Vision Max

Based on applicable laws, reduced costs may vary by doctor location.

To search for providers, go to eyemed.com and select the Access Network or call (866) 289-0614

Ameritas Vision helps cover the cost of many eye care services.

Services	VSP	EyeMed
Eye Examinations	Every 12 months $15 deductible	Every 12 months $15 deductible
Eyeglass Material	Every 12 months $25 deductible	Every 12 months $25 deductible
Frame Allowance	$150	$150
Single Vision	Covered in full	Covered in full
Bifocal	Covered in full	Covered in full
Trifocal	Covered in full	Covered in full
Lenticular	Covered in full	Covered in full
Contacts (in lieu of glasses)	Every 12 months Medically Necessary Contacts are not covered	Every 12 months Medically Necessary Contacts are not covered
Elective	Up to $150	Up to $150
Fit & follow-up Exam	Member cost up to $60	Member cost of $15
Lens Options and Coatings, Member Cost
Std. polycarbonate	$31 - $35	$40
Tints & dyes (except pink l & ll)	$34 - $44	$15
Scratch resistant	$17	$15
Anti-reflective	$41	$45
Ultraviolet	$16	$15
Waiting Period	None	None

View Plan Details

VSP - Vision Plus

VSP offers the nation's largest network of independent providers. Browse and buy online at eyeconic.com and get the most current deals on eyewear with network benefits.

Based on applicable laws, reduced costs may vary by doctor location.

To search providers, go to vsp.com or call (800) 877-7195.

EyeMed - Vision Max

Based on applicable laws, reduced costs may vary by doctor location.

To search for providers, go to eyemed.com and select the Access Network or call (866) 289-0614

Underwritten by Ameritas Life Insurance Corp. | 5900 O Street Lincoln, NE 68510

McAfee Digital Wellness

McAfee Digital Wellness

McAfee’s modern approach puts the participant first and provides support when they need it most. Today’s flexible work environment means you’re working in more places, on more devices than ever. Keep your personal data and devices more secure with all-in-one protection from McAfee. You’ll get award-winning protection for all your devices, plus identity and privacy protection. And most important, you’ll have online peace of mind.

Digital Wellness plan description and overview

Digital Wellness Why it matters

Digital Wellness Video benefit overview

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Plans for your small business

NewBenefits Health Focused Plan

Teladoc ($0 Visit Fee) Talking to a doctor has never been easier. Get treatment for non-emergency conditions now. 24/7 access to healthcare and medical advice by phone, video or app. 24/7 Account Access.

And much more... click for more details. The Plus option inludes Teladoc Mental Health ($25 Visit Fee)

Teladoc Video benefit review

SBMA MV Plan

NewBenefits Legal and Financial

Legal and Financial description and overview

Legal & Financial Video benefit overview

Ameritas Dental Plus helps cover the cost of many Type 1, 2, and 3 services.

Ameritas Dental 2500 helps cover the cost of many Type 1, 2, and 3 services.

Ameritas Dental 2500 helps cover the cost of many Type 1, 2, and 3 services.

Ameritas Dental Plus helps cover the cost of many Type 1, 2, and 3 services.

Ameritas Dental Plus helps cover the cost of many Type 1, 2, and 3 services.

Ameritas Dental Plus helps cover the cost of many Type 1, 2, and 3 services.

PPO (U&C) Out-of-Network paid at 80th percentile

PPO (U&C) Out-of-Network paid at 80th percentile

Indemnity (U&C) Paid at 80th percentile

Network (MAC)

Important State Notice

Important State Notice

Important State Notice

Important State Notice

Ameritas Vision helps cover the cost of many eye care services.

Ameritas Vision helps cover the cost of many eye care services.

Ameritas Vision helps cover the cost of many eye care services.

McAfee Digital Wellness

Digital Wellness plan description and overview

Digital Wellness Why it matters

Digital Wellness Video benefit overview

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