IRTA and AMBA Have Options for the Dental and Vision Coverage You Need.
The Dental and Vision Plans from IRTA and AMBA Have the Coverage You Need.
Already enrolled in Dental and Vision plans from IRTA and AMBA? No action is needed. Keep enjoying your benefits!
Learn why the Dental and Vision plans from IRTA and AMBA are superior.
The Dental and Vision Plans from IRTA and its’ trusted partner AMBA give you comprehensive coverage, freedom of choice, and attractive discounted group rates.
With new dental and vision options available through the state, you may have questions like:
- “What plans are best for me?”
- “Will changing plans affect my Dental Rewards balance?”
- “What makes the plans from IRTA a great choice?”
The good news is the Dental and Vision Plans from IRTA and AMBA have you covered…very well!
Advantages of the AMBA Dental Plans endorsed by IRTA
- Broad coverage on routine care and major services.
- Choose any dentist you want or see a provider in our extensive nationwide network and save more
- Flexibility to enroll when you want and remain in the plan as long as you want.
- Access to increased Annual Maximum through Dental Rewards.
Thousands of members trust IRTA and our partner AMBA for their coverage.
Highlights include a more extensive network, dental rewards rollover, freedom to choose your dentist, enrollment flexibility, Platinum and Gold plan options, self-service online portal, helpful call center service, and more!
Don’t Lose the Dental Rewards You’ve Earned!
If you’re enrolled in a Dental Plan from IRTA and AMBA, you may have earned significant Dental Rewards. However, you’ll lose them if you switch plans!
*If you are enrolled in an IRTA Dental Plan and want to learn the current balance of your accrued Dental Records, call Ameritas at 1-888-239-3336 or check your AMBA or Ameritas online portal.
Larger Network of Providers
Our research shows that the IRTA Dental Plans have a more extensive network. Leaving IRTA’s Dental Plan for another program could mean more out-of-pocket payments if your dentist is not in the network.
More Out of Pocket When Going Out of Network
Many people like to choose their dentist, even if the provider is out of network. The IRTA Endorsed Program is designed to pay substantial out-of-network benefits to limit your out-of-pocket payments.
Compare and see the advantages of sticking with IRTA and AMBA.
| Category | IRTA Platinum Dental | State Plan Dental |
|---|---|---|
| Maximum Benefit | $1,500 annual maximum + $1,000 of possible rollover in-network) | $2,000 (Orthodontics + All Other Covered Services) |
| Out of Network Benefits | High Usual & Customary benefits means strong Benefits in and 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) |
| Enrollment & Modify Window | Anytime + Ability to add spouse, dependents and make mid-year adjustments | Once per year, compulsary with medical plan |
| Coinsurance Rates | 100/80/50 Plan 100% Preventative; 80% Basic; 50% Major *100/70/40 out of network |
Plan schedule drives higher out-of-pocket costs |
Coverage available to all IRTA members
  |
Gold Plan | Platinum Plan |
|---|---|---|
| Member | $40.41/month | $69.25/month |
| Member +1 | $80.84/month | $138.51/month |
| Member +Family | $102.05/month | $174.86/month |
| Deductible | $50.00 per year/person | $100.00 per year/person (waived for Preventative services) |
| Annual Maximum | $1000.00 per year/person | $1500.00 per year/person |
* Additional coverage available to TRIP and TRAIL members only
| |
Plus Plan |
|---|---|
| Member | $19.34/month |
| Member +1 | $37.48/month |
| Member +Family | $41.95/month |
| Deductible | Covers 100% of member's first $100 of covered expenses. 50% of add'l covered expenses up to $900 |
| Annual Maximum | $1000.00 per year/person |
Note: While the majority of IRTA members elect the Platinum plan, IRTA also offers the Gold plan which has a maximum benefit up to $2,000 and up to 90% co-insurance on basic services that builds over time.
Comparisons done with available information at time of presentation. Each member should review impacts to their coverage.
If you are enrolled in an AMBA Dental Plan endorsed by IRTA, you do not need to change your plan or take action. Keep enjoying your benefits!
Advantages of the AMBA Vision Plan endorsed by IRTA
- IRTA provides an extensive network with discounts on lens options and exams, lenses, and frames.
- Discounts on lens options are a key differentiator of the IRTA program with VSP’s network. These discounts help members save hundreds of dollars on lens options. The IRTA Vision Plan offers frame allowances up to $150, while the state plan is only up to $110 with wholesale controlled pricing.
- The AMBA Vision Plan endorsed by IRTA also provides enrollment flexibility, an online self-service portal, and more.
Compare and see the advantages of sticking with IRTA and AMBA.
| Network | IRTA Plan with VSP
|
EyeMed State Vision Plan
|
|---|---|---|
| Benefit Summary |
|
|
| Enhanced Benefits |
|
|
Coverage available to all IRTA members
| |
Choice Vision Plan |
|---|---|
| Member | $12.72/month |
| Member +1 | $22.30/month |
| Member +Family | $27.75/month |
*Additional coverage available to TRIP and TRAIL members only
| |
Plus Vision Plan |
|---|---|
| Plan Maximum | $100 |
| Member | $5.04/month |
| Member +1 | $9.98/month |
| Member +Family | $13.10/month |
Comparisons done with available information at time of presentation. Each member should review impacts to their coverage.
Frequently Asked Questions:
IRTA is proud that you can trust us with these important insurance coverages and looks forward to continuing to serve you.
Illinois Retired Teachers Association (IRTA) and the Illinois Principals Association (IPA) are working together to benefit the memberships of both Associations. When an active member of IPA retires and joins IPA Retired, the membership in IPA Retired automatically includes membership in the Illinois Retired Teachers Association.
The association and IPA have a history of working together on various issues. The IPA has always helped us to promote the Illinois Retired Teachers Association Foundation grants by sending flyers and emails to its members. Plus Illinois Retired Teachers Association has provided seminars to those IPA members who are about to retire from education.
This partnership is a win-win situation for both associations. The IPA provides to its retired members both the benefits and the representation resulting from Illinois Retired Teachers Association membership. We increase our membership of retired Illinois educators, as well as increases its exposure to the active IPA membership. This partnership is another positive step in our membership recruitment efforts in school districts.
If you are currently a member of Illinois Retired Teachers Association but are also eligible for IPA Retired membership, please consider joining.
You’re invited to join the IL Principals Association for only $75 which includes your Illinois Retired Teachers Association dues.
Call Lisa at 217-241-2648.
Do you need to add Dental or Vision coverage?
Do you have a question about your existing coverage?
Please call 1-877-810-6334 Mon-Fri 8am-6pm CT.