6150 W. Higgins Ave Chicago, IL 60630
Ameritas Dentist in Chicago, IL
Your Ameritas plan is worth more when your dentist has a direct contract with them — and that's exactly what you get at Smile Era Dental. Being in-network means the fees are already negotiated, so you're not left guessing what your share will be after the visit. It's one of the most practical advantages you can have when budgeting for dental care.
When you come in, our front desk team will verify your Ameritas benefits before you're ever seated in a chair. Dr. Josh Philip and Dr. Soumya Thomas both take the time to walk through what your plan covers before any treatment begins. You won't get handed a clipboard and left to figure it out yourself — we handle the details so you can focus on your appointment.
Smile Era Dental is located at 6150 W Higgins Ave on the northwest side of Chicago, and we're currently welcoming new patients. If you've been putting off a visit because you weren't sure how your insurance would work, this is a great time to come in and find out.
What Does Your Ameritas Plan Cover at Smile Era Dental?
Ameritas Life Insurance Corp plans follow a fairly standard PPO structure, which means your benefits are usually broken into three categories: preventive, basic, and major services. Preventive care — things like routine cleanings, exams, and X-rays — is typically covered at the highest level, often around 100% after your deductible, depending on your specific plan. That's by design. The whole idea is to keep you coming in regularly so small problems don't turn into expensive ones.
Basic services like fillings and simple extractions are usually covered at a lower percentage, and major work such as crowns, root canals, or dentures typically falls into its own tier with a higher cost-share on your end. Your plan will also have an annual maximum — a cap on what Ameritas will pay out in a given year — so it helps to know where you stand before scheduling anything significant. Every Ameritas plan is a little different, so we always recommend calling us ahead of your visit so we can pull your benefits and give you a real picture of what to expect.
Smile Era Dental Is an In-Network Ameritas Provider
Being in-network with Ameritas isn't just a checkbox — it has a real impact on what you pay. Because Smile Era Dental has a direct contract with Ameritas, the fees for covered services are already set at a negotiated rate. You won't be billed above that rate, which means your out-of-pocket costs stay lower compared to seeing a dentist outside the network.
If you've ever gone out-of-network and gotten hit with a balance bill you weren't expecting, you know how frustrating that can be. Coming here, you avoid that. Your deductible, your copays, and your annual maximum all work the way they're supposed to — predictably and in your favor.
Why Chicago Patients Choose Smile Era Dental
Dr. Josh Philip and Dr. Soumya Thomas built this practice around the idea that dental visits shouldn't feel stressful. They take a calm, thorough approach — explaining what they see, what they recommend, and why — before moving forward with anything. Patients who have avoided the dentist for years often say their first visit here felt completely different from what they expected.
Smile Era Dental serves a wide range of neighborhoods across the northwest side of Chicago, with hours that stretch early into the morning and into the evening on select days. Whether you're squeezing in an appointment before work or coming in on a Saturday morning, there's likely a time that works for you. To get started, give us a call at (773) 594-0655 or book online — we'd love to see you in.
Ready to use your Ameritas benefits? Call us at (773) 594-0655 or book your appointment online — our team is happy to answer any questions before you come in.
Call us: (773) 594-0655
Frequently Asked Questions
Yes — Smile Era Dental is in-network with Ameritas Life Insurance Corp. That means Dr. Josh Philip and Dr. Soumya Thomas have agreed to Ameritas’ contracted rates, so your out-of-pocket costs are typically lower than if you went somewhere out-of-network. If you want to double-check your specific plan before your visit, just call us at (773) 594-0655.
When you see an in-network dentist, the office has a contract with your insurance to charge pre-negotiated rates. That usually means you pay less. Out-of-network dentists can charge whatever they want, and your insurance may cover less — or nothing. Staying in-network with Ameritas at a practice like ours in Chicago is generally the smarter move for your wallet.
Most Ameritas plans cover preventive care — like cleanings, exams, and X-rays — at a high rate, sometimes fully. Basic procedures like fillings are usually partially covered, and major work like crowns or root canals typically comes with a lower coverage percentage. Your exact benefits depend on your specific plan, so it’s worth calling us or your insurance directly to go over the details.
Most likely, yes. Because Smile Era Dental is in-network with Ameritas, you’re getting access to negotiated rates right away. Preventive visits are often covered at no cost to you, which helps you avoid bigger dental bills down the road. The best way to know exactly what you’ll owe is to call (773) 594-0655 — we’re happy to look into your benefits before your appointment.
Absolutely. Dr. Josh Philip and Dr. Soumya Thomas are both welcoming new patients at Smile Era Dental, including those with Ameritas coverage. Whether it’s been a while since your last visit or you’re just looking for a new dental home in Chicago, we’d love to get you scheduled and make the whole process easy from the start.
The easiest way is to call us at (773) 594-0655. Our team can check your Ameritas benefits, answer any questions you have, and get you set up with Dr. Philip or Dr. Thomas at a time that works for you. We’ll take care of the insurance side so you can focus on just showing up and getting great care.