As an IRTA member, you have access to robust dental and vision insurance coverage through plans marketed 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
$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
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)
Anytime + ability to add spouse, dependents, and make mid-year adjustments
Once per year, compulsory with
medical plan
100/80/50 Plan
100% Preventive; 80% Basic; 50% Major
*100/70/40 out of network
Plan schedule drives higher out-of-pocket costs
EyeMed State Vision Plan
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.
$40.41/month
$69.25/month
$80.84/month
$138.51/month
$102.05/month
$174.86/month
$50 per year/person
$100 per year/person
(waived for Preventive services)
Covers 100%
Covers 100%
Covers 70% 1st calendar year***
80% 2nd calendar year***
90% 3rd calendar year***
Covers 80% I.N. (70% O.O.N.)
Covers 70% 1st calendar year***
80% 2nd calendar year***
90% 3rd calendar year***
Covers 80% I.N. (70% O.O.N.)
Covers 70% 1st calendar year***
80% 2nd calendar year***
90% 3rd calendar year***
Covers 80% I.N. (70% O.O.N.)
Covers 50%
Covers 50% I.N. (40% O.O.N.)
Covers 80% I.N. (70% O.O.N.)
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 Premier 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 Standard 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.
Base Plan
Base Plus Plan
Premium Plan
Enhanced Plan
$13.49 /month
$14.70 /month
$19.00 /month
$21.95 /month
$23.75 /month
$28.12 /month
$34.00 /month
$37.79 /month
$29.50 /month
$31.25 /month
$42.00 /month
$47.00 /month
$15.00
$15.00
$15.00
$15.00
$25.00
$25.00
$25.00
$25.00
$150.00
$150.00
$180.00
$200.00
$170.00
$170.00
$200.00
$220.00
$150.00
$150.00
$160.00
$200.00
Every 24 months
Every 24 months
Every 24 months
Every 12 months
Every 12 months
Every 12 months
Every 12 months
Every 12 months
Base Plan
Base Plus Plan
Premium Plan
Enhanced Plan
Yes
Yes
Yes
Yes
Only Standard
All
All
All
30%
30%
30%
30%
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.
View full details and estimated cost of plans on
https://www.ambadentalvision.com/ILRTA.The Standard Dental Plan is great if you need basic coverage, while the Premier Dental Plan offers more robust coverage. You can also add vision insurance separately or with your dental insurance.
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.
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.
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.
The type of treatment determines how much of the cost is covered. You can see the difference between both our standard and premier plans in the dental chart above.
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.
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.
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.
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.
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.
888-707-1460