NEW BENEFITS FOR MEMBERS:
TAKE ADVANTAGE OF IT!
Use your doctor or save up to 50% in-network
400,000 dental & 36,000 vision providers in-network
Yearly maximums up to $2,500.00
No waiting periods on covered services
ENROLL NOW
Your Teeth & Eyes
Will Say Thanks!

Retired Educators Association of Massachusetts (REAM) knows Retired Educators like you. AMBA knows insurance. Together we can provide you with the dental and vision plans you need to keep your teeth and eyes healthy now and for years to come.

Dental Plans That Fit Your Budget:
Man flossing
  • Keep your dentist or choose an In-Network dentist and save
  • Over 400,000 providers to choose from, whether home or away
  • No waiting period on covered services – get access right away
  • Covers exams, cleanings, fillings, crowns, and more
  • High annual maximum that can increase after one year
Man flossing
Dental Plan Comparison
Gold
Plan
Essential Coverage
Platinum
Plan
Most Comprehensive
Member
$36.09/month
$59.88/month
Member +1
$72.17/month
$119.76/month
Member +Family
$108.02/month
$171.09/month
Deductible
$75.00 per year/person
$75.00 per year/person

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Annual Maximums

Gold
Plan
Platinum
Plan
In Network
$1,000.00 per year/person
$1,500.00 per year/person
Out of Network
$1,000.00 per year/person
$1,500.00 per year/person

Rewards

Gold
Plan
Platinum
Plan
Annual Benefit Threshold
$500.00
$750.00
Annual Maximum Benefit
$1,000.00
$1,500.00
Dental Rewards Carry Over
$250.00
$250.00
Year 2 Maximum Benefit
$1,250.00
$1,750.00
Total Maximum Benefit
$2,000.00
$2,500.00

Preventative

Routine Cleanings
Covers 100%
Not Covered
Routine Oral Exams
Covers 100%
Not Covered

Basic

Crown Repair
Covers 75%
Not Covered
Denture Repair
Covers 75%
Not Covered
Fillings
Covers 75%
Not Covered
X-Rays (all types)
Covers 75%
Not Covered

Major

Crown (all types)
Covers 40%
Not Covered
Dentures (all types)
Covers 40%
Not Covered
Root Canal (all types)
Covers 40%
Not Covered
General Anesthesia
Covers 40%
Not Covered
Periodontics
Covers 40%
Not Covered
Extractions
Covers 40%
Not Covered

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Use your current dentist OR Save 25-50% with a dentist in our network. Find a dentist
(note: Enter zip, select city & state, and Classic PPO network.)

Details may vary based on start date. Please note it may take 10-15 days to process your enrollment. You will receive a ‘welcome to the program’ letter which will include your group number and carrier details. Please consult your policy as the final ultimate source of covered services and program details.
Rates valid from 1 October, 2023 to 30 September, 2025. 
                {
    "services": {
        "Routine Cleanings": {
            "Gold": "Covers 100%"
        },
        "Routine Oral Exams": {
            "Gold": "Covers 100%"
        },
        "Crown Repair": {
            "Gold": "Covers 75%"
        },
        "Denture Repair": {
            "Gold": "Covers 75%"
        },
        "Fillings": {
            "Gold": "Covers 75%"
        },
        "X-Rays (all types)": {
            "Gold": "Covers 75%"
        },
        "Crown (all types)": {
            "Gold": "Covers 40%"
        },
        "Dentures (all types)": {
            "Gold": "Covers 40%"
        },
        "Root Canal (all types)": {
            "Gold": "Covers 40%"
        },
        "General Anesthesia": {
            "Gold": "Covers 40%"
        },
        "Periodontics": {
            "Gold": "Covers 40%"
        },
        "Extractions": {
            "Gold": "Covers 40%"
        }
    },
    "plans": {
        "Gold": {
            "inEffect": "2023-10-01T00:00:00",
            "marketingInEffect": "2023-08-28T00:00:00",
            "outOfEffect": "2025-09-30T00:00:00",
            "marketingOutOfEffect": "2025-08-28T00:00:00",
            "policyNumber": "350965",
            "cleaningsPerPeriod": 2,
            "cleaningPeriod": "Benefit Period",
            "orthoEliminationPeriod": 0,
            "examFrequency": 2,
            "examPeriod": "Benefit Period",
            "orthoCoverageDescription": "None",
            "orthoLifetimeMax": 0,
            "orthoCoInsurance": 0,
            "annualPlanMax": 1000,
            "outOfNetAnnualPlanMax": 1000,
            "rewardsThreshold": 500,
            "rewardsAnnualRollover": 250,
            "ppobonus": 150,
            "rewardsMaxRollover": 1000,
            "waitingPeriod": null,
            "notes": null,
            "deductible": 75,
            "familyDeductibleMax": 225,
            "dentalRewards": true,
            "planLevel": "Gold",
            "dentalNetworkDescription": "Non-PPO \/ Out-Of-Network Benefits",
            "frequencyType": "Annual",
            "carrier": {
                "fullName": "Ameritas Life Insurance Corp",
                "shortName": "Ameritas",
                "logo": "\/img\/ameritas.png",
                "creativeApproval": "2020-03-11T19:51:51.743",
                "legalName": "Ameritas Life Insurance Corp (Ameritas Life)",
                "website": "https:\/\/dentalnetwork.ameritas.com\/",
                "phone": "1-877-983-3582",
                "instructions": "Enter zip, select city & state, and Classic PPO network."
            },
            "dentalPlanCoverage": [
                {
                    "rate": 36.09,
                    "coverage": "Member"
                },
                {
                    "rate": 72.17,
                    "coverage": "Member +1"
                },
                {
                    "rate": 108.02,
                    "coverage": "Member +Family"
                }
            ],
            "dentalPlanType": [
                {
                    "dentalType": null,
                    "inNetworkPercent": 1,
                    "outOfNetworkPercent": 1,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Annual",
                            "name": "Routine Cleanings"
                        },
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Annual",
                            "name": "Routine Oral Exams"
                        }
                    ]
                },
                {
                    "dentalType": null,
                    "inNetworkPercent": 0.75,
                    "outOfNetworkPercent": 0.75,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crown Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Denture Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Fillings"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "X-rays"
                        }
                    ]
                },
                {
                    "dentalType": null,
                    "inNetworkPercent": 0.4,
                    "outOfNetworkPercent": 0.4,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crowns"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Dentures"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Endodontics (root canals)"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "General Anesthesia"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Periodontics (gum disease)"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Extractions"
                        }
                    ]
                }
            ],
            "inEffectDate": "2023-10-01",
            "inEffectTimestamp": 1696118400,
            "outOfEffectDate": "2025-09-30",
            "outOfEffectTimestamp": 1759190400,
            "marketingInEffectDate": "2023-08-28",
            "marketingInEffectTimestamp": 1693180800,
            "inEffectDateCalc": "2023-08-28",
            "marketingOutOfEffectDate": "2025-08-28",
            "marketingOutOfEffectTimestamp": 1756339200,
            "planLevelText": "Essential Coverage",
            "frequencyText": "per year & per person",
            "frequencyTextAlt": "per year\/person",
            "planCoverage": [
                {
                    "rate": 36.09,
                    "coverage": "Member"
                },
                {
                    "rate": 72.17,
                    "coverage": "Member +1"
                },
                {
                    "rate": 108.02,
                    "coverage": "Member +Family"
                }
            ],
            "planType": "dental",
            "types": [
                {
                    "dentalType": null,
                    "inNetworkPercent": 1,
                    "outOfNetworkPercent": 1,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Annual",
                            "name": "Routine Cleanings"
                        },
                        {
                            "frequency": 2,
                            "mceamount": 0,
                            "frequencyType": "Annual",
                            "name": "Routine Oral Exams"
                        }
                    ],
                    "covers": "Covers 100%"
                },
                {
                    "dentalType": null,
                    "inNetworkPercent": 0.75,
                    "outOfNetworkPercent": 0.75,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crown Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Denture Repair"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Fillings"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "X-rays"
                        }
                    ],
                    "covers": "Covers 75%"
                },
                {
                    "dentalType": null,
                    "inNetworkPercent": 0.4,
                    "outOfNetworkPercent": 0.4,
                    "deductibleWaived": false,
                    "dentalPlanTypeIncentive": [],
                    "dentalPlanTypeProcedure": [
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Crowns"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Dentures"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Endodontics (root canals)"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "General Anesthesia"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Periodontics (gum disease)"
                        },
                        {
                            "frequency": 0,
                            "mceamount": 0,
                            "frequencyType": null,
                            "name": "Extractions"
                        }
                    ],
                    "covers": "Covers 40%"
                }
            ],
            "waived": [],
            "waivedLabeled": false
        },
        "Platinum": {
            "inEffect": "2023-10-01T00:00:00",
            "marketingInEffect": "2023-08-28T00:00:00",
            "outOfEffect": "2025-09-30T00:00:00",
            "marketingOutOfEffect": "2025-08-28T00:00:00",
            "policyNumber": "350965",
            "cleaningsPerPeriod": 2,
            "cleaningPeriod": "Benefit Period",
            "orthoEliminationPeriod": 0,
            "examFrequency": 2,
            "examPeriod": "Benefit Period",
            "orthoCoverageDescription": "None",
            "orthoLifetimeMax": 0,
            "orthoCoInsurance": 0,
            "annualPlanMax": 1500,
            "outOfNetAnnualPlanMax": 1500,
            "rewardsThreshold": 750,
            "rewardsAnnualRollover": 250,
            "ppobonus": 150,
            "rewardsMaxRollover": 1000,
            "waitingPeriod": null,
            "notes": null,
            "deductible": 75,
            "familyDeductibleMax": 225,
            "dentalRewards": true,
            "planLevel": "Platinum",
            "dentalNetworkDescription": "Non-PPO \/ Out-Of-Network Benefits",
            "frequencyType": "Annual",
            "carrier": {
                "fullName": "Ameritas Life Insurance Corp",
                "shortName": "Ameritas",
                "logo": "\/img\/ameritas.png",
                "creativeApproval": "2020-03-11T19:51:51.743",
                "legalName": "Ameritas Life Insurance Corp (Ameritas Life)",
                "website": "https:\/\/dentalnetwork.ameritas.com\/",
                "phone": "1-877-983-3582",
                "instructions": "Enter zip, select city & state, and Classic PPO network."
            },
            "dentalPlanCoverage": [
                {
                    "rate": 59.88,
                    "coverage": "Member"
                },
                {
                    "rate": 119.76,
                    "coverage": "Member +1"
                },
                {
                    "rate": 171.09,
                    "coverage": "Member +Family"
                }
            ],
            "dentalPlanType": [],
            "inEffectDate": "2023-10-01",
            "inEffectTimestamp": 1696118400,
            "outOfEffectDate": "2025-09-30",
            "outOfEffectTimestamp": 1759190400,
            "marketingInEffectDate": "2023-08-28",
            "marketingInEffectTimestamp": 1693180800,
            "inEffectDateCalc": "2023-08-28",
            "marketingOutOfEffectDate": "2025-08-28",
            "marketingOutOfEffectTimestamp": 1756339200,
            "planLevelText": "Most Comprehensive",
            "frequencyText": "per year & per person",
            "frequencyTextAlt": "per year\/person",
            "planCoverage": [
                {
                    "rate": 59.88,
                    "coverage": "Member"
                },
                {
                    "rate": 119.76,
                    "coverage": "Member +1"
                },
                {
                    "rate": 171.09,
                    "coverage": "Member +Family"
                }
            ],
            "planType": "dental",
            "types": [],
            "waived": false,
            "waivedLabeled": false
        }
    },
    "procedures": {
        "Routine Cleanings": {
            "": 1
        },
        "Routine Oral Exams": {
            "": 1
        },
        "Crown Repair": {
            "": 1
        },
        "Denture Repair": {
            "": 1
        },
        "Fillings": {
            "": 1
        },
        "X-Rays": {
            "all types)": 1
        },
        "Crown": {
            "all types)": 1
        },
        "Dentures": {
            "all types)": 1
        },
        "Root Canal": {
            "all types)": 1
        },
        "General Anesthesia": {
            "": 1
        },
        "Periodontics": {
            "": 1
        },
        "Extractions": {
            "": 1
        }
    },
    "coverage": {
        "Member": {
            "Gold": 36.09,
            "Platinum": 59.88
        },
        "Member +Associate": [],
        "Member +Spouse": [],
        "Member +1": {
            "Gold": 72.17,
            "Platinum": 119.76
        },
        "Member +Family": {
            "Gold": 108.02,
            "Platinum": 171.09
        },
        "Member +Children": []
    },
    "annualPlanMax": {
        "Gold": 1000,
        "Platinum": 1500
    },
    "outOfNetAnnualPlanMax": {
        "Gold": 1000,
        "Platinum": 1500
    },
    "rewardsThreshold": {
        "Gold": 500,
        "Platinum": 750
    },
    "rewardsAnnualRollover": {
        "Gold": 250,
        "Platinum": 250
    },
    "rewardsMaxRollover": {
        "Gold": 1000,
        "Platinum": 1000
    },
    "type_1": {
        "inNetworkPercent": {
            "Gold": 1
        },
        "outOfNetworkPercent": {
            "Gold": 1
        },
        "deductibleWaived": {
            "Gold": false
        },
        "services": {
            "Routine Cleanings": {
                "Gold": 1
            },
            "Routine Oral Exams": {
                "Gold": 1
            }
        }
    },
    "type_2": {
        "inNetworkPercent": {
            "Gold": 0.75
        },
        "outOfNetworkPercent": {
            "Gold": 0.75
        },
        "deductibleWaived": {
            "Gold": false
        },
        "services": {
            "Crown Repair": {
                "Gold": 1
            },
            "Denture Repair": {
                "Gold": 1
            },
            "Fillings": {
                "Gold": 1
            },
            "X-Rays (all types)": {
                "Gold": 1
            }
        }
    },
    "type_3": {
        "inNetworkPercent": {
            "Gold": 0.4
        },
        "outOfNetworkPercent": {
            "Gold": 0.4
        },
        "deductibleWaived": {
            "Gold": false
        },
        "services": {
            "Crown (all types)": {
                "Gold": 1
            },
            "Dentures (all types)": {
                "Gold": 1
            },
            "Root Canal (all types)": {
                "Gold": 1
            },
            "General Anesthesia": {
                "Gold": 1
            },
            "Periodontics": {
                "Gold": 1
            },
            "Extractions": {
                "Gold": 1
            }
        }
    }
};
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Vision Plans With A Clear Difference:
Man with glasses

Get quality coverage on the vision services you need:

  • Thousands of eye doctors nationwide
  • Covers in & out of network
  • Eyeglasses, contact lenses and more

Enroll In A Vision Plan:

Man with glasses

Choice Vision Plan:

from $12.72 /month
unselect plan
Member $12.72/month
Member +1 $22.30/month
Member +Family $27.75/month
Exam Copay: $15
Frames Copay: $25
Frames Allowance:
$170 for featured frames 		$150
Contacts Allowance: $150

Quality Coverage With Low Copays

  • WellVision Exam every 12 months with $15 copay.
  • Contact Lens Exam every 12 months
  • Glasses with a $25 copay, 20% savings on additional glasses.
  • Lenses every 12 months: 100% coverage on most
  • Frames every 24 months: up to $170, then 20% off
  • Up to 25% savings on anti-reflective & UV coating
    • 100% Coverage On Standard Progressive Lenses
    • 20-25% saving on non-covered lens enhancements such as anti-reflective and UV coating
    • Single Vision, Lined Bifocal, and Lined Trifocal Lenses
  • Find Your Eye Doctor

Use the largest independent doctor network in the country plus retailers you know:

Costco Walmart VisionWorks Eyeonic

  • Exam up to $45
  • Lined Trifocal Lenses up to $65
  • Frame up to $70
  • Progressive Lenses up to $50
  • Single Vision Lenses up to $30
  • Contacts up to $105
  • Lined Bifocal Lenses up to $50
Details may vary based on start date. Upon enrollment you will receive a ‘welcome to the program’ letter then you will receive your full policy documents and ID cards. Please consult your policy as the final ultimate source of covered services and program details.
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Need help? Our team is ready to assist!
Call 1-844-385-4359 »
(Mon-Fri 8am-6pm CT)

REAM’s TRUSTED PROVIDER OF INSURANCE: AMBA

AMBA specializes in providing retired educators and other public employees with quality coverage at competitive rates. We partner with more than 70 associations in 35 states and hundreds of thousands of members.