.png)
Allstate Copay Dental Plan
Discover the Allstate Dental Copay plan, your ticket to comprehensive dental coverage. Enjoy $50 copays for Preventive and Basic services with no waiting periods, ensuring prompt check-ups and affordable cavity treatments. For major procedures like crowns and root canals, it's just a $250 copay after a brief six-month waiting period. With an annual maximum of $3,000 per person per plan year, you can safeguard your oral health without breaking the bank. Choose Allstate Dental Copay and smile confidently today!
Carrier
Allstate
The company that provides and manages your insurance coverage. You pay your insurance premiums, which are regular payments to maintain your coverage, directly to the carrier.
Plan Year
2024
A dental plan year typically spans one year from when you enrolled in the plan. At the start of each new year, plans reset, and any deductibles, out-of-pocket maximums, and benefits calculations begin anew.
Individual and Family Deductible
Dental insurance plans offer individual and family deductibles to accommodate varying needs. Individual deductibles require a specific out-of-pocket payment before insurance coverage applies to dental procedures, while family deductibles consolidate these costs for the entire family's dental expenses.
These plans typically categorize dental work into minor and major procedures. Minor work covers routine treatments like fillings and simple extractions, with insurance sharing the cost. In contrast, major work, which includes procedures such as root canals or crowns, often requires a larger patient contribution. It's important to note that the deductible normally doesn't apply to preventative care, such as check-ups and cleanings, which are often covered at no cost, emphasizing their role in maintaining oral health without additional financial burden.
Individual Deductible
$0
A deductible is the amount you pay out of your own pocket before your insurance coverage starts. It's a way to share costs between you and the insurance company.
Family Deductible
$0
Family deductible is the amount the entire family, or everyone enrolled on the plan, must meet before insurance pays a portion of your covered services.
Preventative Care
With the Allstate Dental Copay plan, prioritizing preventative care is a breeze. You'll have peace of mind knowing that cleanings, exams, and x-rays are covered not once, but twice a year. Regular dental check-ups are crucial for maintaining optimal oral health, and this plan ensures you can schedule these essential visits without any financial stress. Take the proactive approach to your dental well-being, and with Allstate Dental Copay, enjoy the benefits of biannual cleanings and exams to keep your smile radiant and your dental health in top shape.
Minor Dental Services
When it comes to minor dental work, the Allstate Dental Copay plan is your trusted companion. With a low $50 copay per procedure and no waiting periods, addressing those minor issues like fillings is a hassle-free experience. Whether it's a cavity that needs attention or a small restoration, this plan ensures that you can access these essential services promptly and affordably. Don't let minor dental concerns escalate into major problems; choose the Allstate Dental Copay plan and take care of those minor issues with ease and peace of mind. Your dental health is in good hands.
Major Dental Services
For major dental work, the Allstate Dental Copay plan provides you with a reliable safety net. While there is a reasonable six-month waiting period, once that period is over, you'll have access to crucial procedures like crowns and root canals with a $250 copay per procedure. This waiting period is a small investment in your long-term dental health, and once you're eligible, you can address significant issues without the financial burden. With the Allstate Dental Copay plan, you can rest assured that even major dental work is made more manageable, allowing you to prioritize your oral health without compromising your budget.
Orthodontia for Children
Please note that orthodontic treatments for both kids and adults are not covered under the Allstate Dental Copay plan. We understand the importance of orthodontic care for achieving a straight and healthy smile, and we're here to help. If you require orthodontic coverage, please reach out to your dedicated agent at Utah Avenue. They will be more than happy to assist you in finding a dental plan that includes orthodontic benefits, ensuring you get the comprehensive dental coverage you need to achieve your desired results. Your oral health matters to us, and we're committed to helping you find the right plan for your specific needs.
Implant Coverage
Please be aware that dental implant procedures are not covered under the Allstate Dental Copay plan. We understand that dental implants can be essential for restoring your smile's functionality and aesthetics. If you are considering dental implant treatments, please don't hesitate to contact your dedicated agent at Utah Avenue. They will be glad to assist you in exploring alternative dental plans that include coverage for dental implants, ensuring you have access to the comprehensive dental care you require. Your satisfaction and oral health are our top priorities, and we're here to guide you toward the right plan for your specific dental needs.
Maximum Yearly Dental Benefit
The Allstate Dental Copay plan offers a maximum yearly benefit of $3,000 per person per plan year. This substantial benefit provides you with financial security and peace of mind, ensuring that you can receive the dental care you need without worrying about exceeding your budget. Whether it's routine check-ups, minor procedures, or even some major treatments, our generous annual maximum allows you to manage your dental expenses effectively and make the most of your plan. With this cap in place, you can confidently prioritize your oral health and maintain your beautiful smile while staying within your financial comfort zone.
Full Summary of Benefits and Helpful Links
Official documents, such as your insurance policy or Summary of Benefits and Coverage (SBC), outline the details of your coverage, including deductibles, copayments, and covered services. Provider links, often available through your insurance company's website, offer directories of in-network healthcare professionals and facilities, helping you find the right doctors and hospitals that are covered by your plan. Utilizing these resources can empower you to make informed healthcare decisions and effectively navigate your insurance coverage.
Helpful Links
Schedule a consultation with a local Utah health insurance agent
We're happy to meet with your in-person or over the phone to help you with your health insurance needs. We can help you with health insurance on or off the marketplace, Medicare Advantage & supplements, dental insurance, vision insurance, life insurance or accident plans. Thank you for letting us be your advocate. Best part, is our help is always free!
This is a quick snapshot of the most popular copays, deductibles, and coinsurance that you would be responsible for on this dental plan. Preventative services include dental cleanings, exams and x-rays. Most plans cover your preventative care every 6 months with no waiting period. Basic dental work includes minor services like filling a cavity and may have a waiting period before these services will be covered on your plan. Major work includes services like crowns and root canals and may have a waiting period before these services are covered. Dentures and implants are normally NOT included in dental insurance. If you need coverage for these services, please let your local agent know so that you have a plan that includes those services.
​
To learn what each of the terms mean, please visit our terms and definitions page. Copays and coinsurance listed are amounts that you would pay after deductible unless specified otherwise. This is not a full list of services included on the plan. This snapshot is not guaranteed to be accurate. To verify plan benefits or for full details please see the full summary of benefits or or get a complete terms of coverage on the health plan carrier's website.
***Out of Network Limitations and Balance Billing
Some dental plans offer out of network coverage. This is a great benefit because you can visit any dentist in the nation. Which means that if you are traveling, or have a dental emergency, you can visit a dentist for the service you need right away and have a portion of your bill covered by your dental insurance. Please note that if you see an out of network provider, that dentist is allowed to "balance bill" you. This means that your dental insurance company pays your dentist what is reasonable and customary for the services you received. In most situations that dentist accepts that payment and you are only responsible for your portion of the bill. Occasionally, that dentist will decide that the reasonable and customary amount they received from the dental insurance is not enough. That dentist will bill you for the additional charge or 'balance bill' you. You are responsible to pay this amount or contact the dentist to work out a payment plan.