Your Ameritas benefits go further when your child's dentist is in-network — and at Fox Pediatric Dentistry, that's exactly what you get. Being in-network with Ameritas Life Insurance Corp means the fees are pre-negotiated, so you're not left guessing what your portion of the bill will be. For families in Elgin trying to stretch their dental dollars, that matters.
When you bring your child in, the team handles the insurance side of things so you can focus on your kid. Dr. Vidhee Shah, Dr. Justin Baik, and Dr. Shivani Shah see children every day, and the front desk is just as practiced at working with Ameritas plans as the doctors are at treating little teeth. You hand over your card, and they take it from there.
Fox Pediatric Dentistry is located at 400 S Randall Rd in Elgin, and they're welcoming new patients right now. If you're ready to get your child scheduled, you can book online or call (224) 470-7639 — the whole process takes just a few minutes.
What Does Your Ameritas Plan Cover at Fox Pediatric Dentistry?
Ameritas Life Insurance Corp is a traditional PPO plan, which means your child's benefits are organized into tiers based on the type of care. Preventive services — things like routine cleanings, comprehensive exams, and dental X-rays — are typically covered at the highest level, often at no cost to you when you're seeing an in-network provider. These visits are the foundation of your child's oral health, and Ameritas is designed to make them as affordable as possible.
Basic restorative care, like tooth-colored fillings, usually falls into the next coverage tier, where your plan pays a portion and you cover the rest after your deductible is met. Major services — things like crowns or more involved procedures — are covered too, though typically at a lower percentage. Your plan also comes with an annual maximum, which is the total dollar amount Ameritas will pay out per benefit year. Knowing where your child stands against that maximum helps you plan ahead, and the team at Fox Pediatric Dentistry is happy to help you make sense of it all.
Dental Services for Kids Covered Under Your Ameritas PPO in Elgin
Your Ameritas plan is built to support the kind of care children actually need. At Fox Pediatric Dentistry, that includes routine cleanings, comprehensive exams, and digital X-rays, all of which your plan typically covers at a high rate for in-network visits. Beyond prevention, your child may need restorative care at some point — tooth-colored fillings, stainless steel or pediatric crowns, and extractions are all services that fall within what Ameritas commonly covers under basic or major care categories. Fluoride treatments and sealants, which are especially common for kids, are also typically included as preventive benefits.
A few services tend to have more limited coverage under traditional PPO plans like Ameritas. Orthodontic treatment — braces or clear aligners — may be covered separately with a lifetime orthodontic maximum if it's included in your plan at all, so it's worth confirming before assuming it's included. Cosmetic procedures generally aren't covered. If your child needs something more involved, the team can help you understand whether prior authorization is needed and what your estimated out-of-pocket costs might look like before any work begins.
Fox Pediatric Dentistry Is In-Network with Ameritas Life Insurance Corp
Being in-network with Ameritas means Fox Pediatric Dentistry has a direct contract with the insurer. That contract sets the fees your family pays — there's no balance billing, no surprise markups. You pay your portion of the contracted rate, and Ameritas covers theirs.
If you were to visit an out-of-network provider, you'd still have some benefits through your PPO plan, but you'd likely pay more out of pocket since there's no fee agreement in place. Staying in-network at Fox Pediatric Dentistry means your family gets the full value of what your Ameritas plan offers — which, for most families in Elgin, adds up to meaningful savings over the course of a year.
How to Check Your Ameritas Benefits Before Your Child's First Visit
Before your child's appointment, it's a good idea to take a few minutes to confirm your coverage. Start by flipping over your Ameritas insurance card — you'll find a member services phone number on the back. When you call, have your member ID and group number ready, along with the provider's name or NPI. Ask specifically about your child's annual maximum, deductible, and what percentage your plan covers for preventive, basic, and major services. You can also log in to the Ameritas member portal online to review your plan documents and see benefits information directly.
If that feels like a lot, don't worry — the front desk at Fox Pediatric Dentistry can help. When you bring your Ameritas card to your child's first appointment, the team will verify your benefits and walk you through what's covered before any treatment begins. You're also welcome to call ahead at (224) 470-7639 if you'd like to ask questions before you come in. They're used to this, and they're happy to help.
Why Elgin Families Bring Their Kids to Fox Pediatric Dentistry
Dr. Vidhee Shah, Dr. Justin Baik, and Dr. Shivani Shah have built a practice where kids actually feel okay about going to the dentist. That's not an accident — it takes a specific kind of patience, communication, and environment to earn a child's trust, and the team at Fox Pediatric Dentistry works at it every single day. Parents notice. Kids relax. Appointments go smoothly.
The office is right on Randall Road, which makes it easy to get to from most parts of Elgin. They're open Monday through Friday, and they're currently welcoming new patients. Whether your child is coming in for their very first cleaning or has a specific concern you want looked at, you can reach the office at (224) 470-7639 or book online — either way, you'll be in good hands.
Ready to use your Ameritas benefits? Call us at (224) 470-7639 or book your child's appointment online today.
Call us: +12244707639
