As a retired educator, you’ve spent a lifetime making informed decisions—for your students, your classroom, and your family. Now, as you plan for the years ahead, choosing the right dental coverage is part of protecting your well-being and budget.
You may have seen the term PPO when reviewing dental plans offered through your retiree association. But what does it mean—and why does it matter?
Let’s break it down in simple, helpful terms.
What Is a PPO in Dental Insurance?
PPO stands for Preferred Provider Organization. It’s a type of dental insurance plan that gives you access to a broad network of dentists who provide care at pre-negotiated, lower rates. But PPO plans also offer flexibility: you can choose any licensed dentist—even if they’re outside the network.
That’s the power of a PPO: flexibility and savings, rolled into one.
How Does a PPO Dental Plan Work for Retired Educators?
If you enroll in the dental plan offered through your association and AMBA, you get:
- Freedom to choose your dentist – Keep your current provider or select from thousands in the Classic PPO Network for the best savings.
- No referrals needed – Go directly to a specialist if needed.
- Preventive care often covered at 100% – Including cleanings, exams, and X-rays when using an in-network dentist.
- Savings of 25–50% on most procedures when you use a dentist in the PPO network.
It’s coverage that travels with you—ideal for retirees who value both choice and financial peace of mind.
Why AMBA Dental Plans Through Your Association Are a Smart Choice
The dental plan offered in partnership with AMBA is tailored for the needs of retired educators:
- Nationwide flexibility – Perfect for snowbirds or those who split time between homes
- Use your current dentist – Or switch to an in-network provider to save more
- Transparent benefits – Know what’s covered and what you’ll pay
- No waiting periods – Preventive care starts immediately
Whether you’re dealing with something major, or you just want to maintain a healthy smile, this plan provides reliable, affordable access to care – even if Original Medicare doesn’t cover dental.
Who Offers This Plan?
This plan is brought to you by your state’s retiree association and Association Member Benefits Advisors (AMBA), in partnership with Ameritas Life Insurance Corp. It is designed for public sector retirees, with exclusive group rates and dental coverage that continues wherever retirement takes you.
Note: Dental plans may not be available in all states. The “Classic PPO Network” may vary by region. Be sure to check availability and providers in your area.
Take the Next Step Toward a Healthier Smile
You’ve earned the right to retire with confidence—including the confidence of knowing your dental needs are covered.
Explore your options now on our dental page ambadentalvision.com/dental
Prefer to talk to someone? Call 1-844-385-4359 to speak with a licensed benefits specialist.
Protect your smile—and your savings—with dental coverage designed just for retired educators.