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Dental & Vision Insurance for IRTA Members

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1-844-915-3171
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IRTA Partners with AMBA
to Provide Superior Benefits

As an IRTA member, you have access to comprehensive dental and vision insurance coverage through plans administered by AMBA. Wondering how these benefits compare to state-offered plans? Watch our webinar to learn what sets IRTA coverage apart, and find out which plan offers the best coverage for you. If your state benefits are set to renew, now is the perfect time to compare policies and get more out of your benefits.

Have questions about coverage? Talk to an AMBA representative Mon-Fri 8am-6pm CT

1-844-915-3171

Compare IRTA Member Plans
vs. State Plans

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IRTA Platinum Dental

State Plan Dental

Maximum Benefit

$2,500 ($1,500 annual maximum + $1,000 of possible rollover in-network)
*The only AMBA plan that covers 3 cleanings per year!

$2,000

Out of Network Benefits

High usual & customary benefits mean your plan pays more, even if your provider is out-of-network.
(In-network access also strong – Ameritas has 4,603 providers in IL)

Scheduled Plan means you will likely pay more out of pocket when going in or out of network
(Delta has 2,602 in-network providers
in IL)

Enrollments & Modify Window

Anytime + ability to add spouse, dependents, and make mid-year adjustments

Once per year, compulsory with
medical plan

Co-insurance Rates

100/80/50 Plan
100% Preventative; 80% Basic; 50% Major
*100/70/40 out of network

Plan schedule drives higher out-of-pocket costs

IRTA Vision Plan

State Vision Plan

Network
  • Optometrist & Ophthalmologist focused
  • More locations and access points
  • Focuses on members’ choice

EyeMed State Vision Plan

  • Retail focused with a special emphasis on LensCrafters
Benefit Summary
  • Annual eye exam $15 co-pay in-network, $45 allowance out-of-network
  • Frames covered every other year up to $150> which increases to $170 for featured frames
  • Annual eye exam $10 copay in-network, $20 allowance out-of-network
  • Frames covered every other year up to $110
Enhanced Benefits
  • IRTA Membership includes Passport Discount program at thousands of retailers and restaurants
  • Guarantees a wholesale frame protection from retail markups, saving members, so they don’t overpay for frames
  • No similar benefit enhancements
  • EyeMed only has a retail frame allowance and does not offer a wholesale frame allowance, exposing members to high retail markups on frames

View the full plan details at https://www.ambadentalvision.com/ilrta. This highlight is not a certificate of insurance or a guarantee of coverage. Premium rates may change upon renewal and can be adjusted for the entire group or a specific class. A class is defined in the group policy. Benefits are subject to change upon agreement between the carrier and the participating organization. The policy is renewable at the option of the insured.

Available Dental Plans with IRTA

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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 per year/person

$100 per year/person
(waived for Preventative services)

Preventative Services

Covers 100%

Covers 100%

Basic Services
Fillings

Covers 70% 1st calendar year***
80% 2nd calendar year***
90% 3rd calendar year***

Fillings

Covers 80% I.N. (70% O.O.N.)

Sealants

Covers 70% 1st calendar year***
80% 2nd calendar year***
90% 3rd calendar year***

Sealants

Covers 80% I.N. (70% O.O.N.)

X-Rays (all types)

Covers 70% 1st calendar year***
80% 2nd calendar year***
90% 3rd calendar year***

X-Rays (all types)

Covers 80% I.N. (70% O.O.N.)

Major Services
Root Canals

Covers 50%

Root Canals

Covers 50% I.N. (40% O.O.N.)

Crown Repair
Covers 50%
Crown Repair

Covers 80% I.N. (40% O.O.N.)

Denture Repair
Covers 50%
Denture Repair
Covers 80% I.N. (70% O.O.N.)
Cosmetic Services
Implants
Not Covered
Implants
Covers 50% I.N. (40% O.O.N.)

Insurance Underwritten by

Purchase Coverage Now

View full plan details at ambadentalvision.com/ILRTA. This highlight is not a certificate of insurance or a guarantee of coverage. Premium rates may change upon renewal and can be adjusted for the entire group or a specific class. A class is defined in the group policy. Benefits are subject to change upon agreement between the carrier and the participating organization. The policy is renewable at the option of the insured.

*In most cases you will receive the greatest out of pocket savings if you see an in-network PPO provider. For the Platinum Plan, Out-of-Network Reimbursement percentages for Type 1, Type 2 & Type 3 are based on the usual and customary charges and Type 4 services are limited to Ameritas’ prevailing contracted provider fees. The Gold Plan Out-of-Network reimbursement percentages are also limited to Ameritas’ prevailing contracted provider fees. All services are subject to limitations and exclusions. The master policy is governed by the laws of the state of Illinois.

***Plan pays 80% coverage for Type 2 services after the first year, and 90% coverage for Type 2 services after the second year. To increase the coinsurance level, you must file at least one claim per calendar year.

Available Vision Plans with IRTA

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Plan Details

Member Only

$12.72/month

Member
+1

$22.30/month

Member + Family

$27.75/month

Exam Copay

$15

$15

$15

Glasses Copay

$25

$25

$25

Frames Allowance

$150

$150

$150

Featured Frames Allowance

$170

$170

$170

Contacts Allowance

$150

$150

$150

Insurance Underwritten by

Purchase Coverage Now

View the full plan details at https://www.ambadentalvision.com/ilrta. This highlight is not a certificate of insurance or a guarantee of coverage. Premium rates may change upon renewal and can be adjusted for the entire group or a specific class. A class is defined in the group policy. Benefits are subject to change upon agreement between the carrier and the participating organization. The policy is renewable at the option of the insured.

In-Network Glasses Retailers

How To Purchase Your Plan

  1. Review Insurance Plans

    View full details and estimated cost of plans on
    https://www.ambadentalvision.com/ILRTA.The Gold Dental Plan is great if you need basic coverage, while the Platinum Dental Plan offers more comprehensive coverage. You can also add vision insurance separately or with your dental insurance.

  2. Go to Our Online Checkout Portal

    Select the dental and vision plans you want and add them to your cart. When you’re ready, click “Begin Checkout” to proceed. You’ll be securely redirected to AMBA’s online application portal to complete your plan enrollment.

  3. Fill Out Your Information

    The application process can be completed in as little as 5 minutes. You will be required to submit basic contact information for yourself and for your partner or eligible dependent children (if applicable). Once the application is complete, you can then submit your initial payment in our secure portal.

  4. Obtain Coverage With No Waiting Period

    Coverage takes effect the first of the month following the date this enrollment is submitted, provided your initial premium contribution is paid within 31 days after the date you are billed. You can expect to receive your welcome kit in the mail from AMBA in a few days, which will include your unique plan, group, and certificate ID numbers and online account information.

Frequently Asked Questions

What is the difference in price for dental insurance between basic service/care and care that includes having crowns and root canals done?

The type of treatment determines how much of the cost is covered. Below, you can see the difference between both our gold and platinum plans.

Gold Plan:
Basic Care (fillings, sealants, x-rays):

  • Covers 70% in 1st calendar year
  • 80% 2nd calendar year, 90% 3rd calendar year

Crown Repair: Covers 50%
Denture Repair: Covers 50%
Major Care (crowns, root canals, dentures, etc.):

  • 50% covered
  • Implants not covered

Platinum Plan:
Basic Care (fillings, x-rays, sealants):

  • Covers 80% in-network, 70% out-of-network

Major Care (crowns, root canals, dentures, implants, etc.):

  • 50% in-network, 40% out-of-network

Does IRTA offer medical insurance?

There are additional insurance benefits for IRTA’s members through their partnership with AMBA. While major medical insurance is not included in the list of benefits, there are additional supplemental insurance plans that can help cover gaps in your current medical insurance coverage.

When does coverage begin?

Coverage will begin on the start date you select during enrollment, provided your initial premium contribution is paid within 31 days of billing. There is no waiting period for covered treatments once your plan becomes active.

How do I find out if my dentist is in network?

You can search for in-network dentists by using Ameritas’s Find a Provider tool. Ameritas has an extensive network of dentists to choose from. You can also visit any licensed dentist, but you may save more by using an in-network provider.

Where can I use my vision benefits?

You can use your benefits with any provider, but you’ll save more by using one of VSP’s thousands of in-network providers, including Walmart, Costco, Visionworks, and Eyeconic.

20 Years of Trusted Dental & Vision Coverage

For two decades, IRTA has proudly offered valuable Dental and Vision coverage tailored to the needs of retired educators. Thanks to ongoing feedback from members, the IRTA Dental & Vision Program has continued to evolve, delivering strong, dependable benefits that support your health and peace of mind.

Choose Your Plan

Want More Info About Benefits Available to IRTA Members?

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