Allstate Select Dental Plus Plan
Unlock the ultimate in dental care with the Allstate Select Dental Plus Plan! For just a $50 deductible, enjoy a whopping 100% coverage for preventative care in year one. Basic services are covered at an impressive 60%, and major procedures at 15%. Plus, in year two, these benefits get even better! With a generous $1000 maximum yearly benefit, your smile is safeguarded without compromise. Don't wait – secure your dental health and savings today with the Allstate Select Dental Plus Plan!
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.
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.
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 is the amount the entire family, or everyone enrolled on the plan, must meet before insurance pays a portion of your covered services.
In the Allstate Select Dental Plus Plan, we take preventive care seriously. With a commitment to your dental wellness, we offer a remarkable 100% coverage for preventative services in the first year and even more in the second. This means your regular check-ups, cleanings, and routine X-rays are completely covered, ensuring that you can maintain optimal oral health without any financial worries. We believe that prevention is the best investment for your smile, and with this plan, you can enjoy peace of mind knowing that your preventive care is our top priority. Choose Allstate Select Dental Plus, and take a proactive step towards a healthier, happier smile.
Minor Dental Services
When it comes to minor dental work, the Allstate Select Dental Plus Plan is your dependable partner. In the first year, we offer a substantial 60% coverage for basic services, which includes treatments like fillings and simple extractions. Need to address a cavity or minor dental issues? Rest assured that your wallet won't take a hit. And the best part? Our coverage for these essential procedures only gets better in the second year of the plan. With the Allstate Select Dental Plus Plan, you can tackle minor dental concerns with ease, knowing that your dental health and your budget are both in good hands.
Major Dental Services
When it comes to major dental work, the Allstate Select Dental Plus Plan has got your back. In the unfortunate event that you require extensive procedures like root canals, crowns, or bridges, you can count on us for substantial coverage at 15% in the first year, providing significant relief for your dental expenses. And here's the exciting part: our support for major work becomes even more substantial in the second year of the plan. Your oral health and your financial well-being are our top priorities, so you can face major dental procedures with confidence, knowing that the Allstate Select Dental Plus Plan is there to support you every step of the way. Choose us and embrace a brighter, healthier smile without breaking the bank.
Orthodontia for Children
While the Allstate Select Dental Plus Plan offers comprehensive coverage for a wide range of dental services, it's important to note that orthodontic treatments are not included in this plan. Orthodontic procedures, such as braces or Invisalign, are specialized services that require a separate insurance plan or may involve additional out-of-pocket expenses. We understand the importance of orthodontic care for some individuals, and we recommend exploring our other dental insurance options or consulting with an orthodontic specialist to determine the best course of action to achieve your desired smile alignment. At Allstate, we're committed to providing you with transparency and guidance to make informed decisions about your dental health.
While the Allstate Select Dental Plus Plan offers comprehensive coverage for a range of dental services, it's essential to be aware that dental implants are not covered under this plan. Dental implants are a specialized and often more complex dental procedure, typically requiring a separate dental implant-specific insurance plan or additional out-of-pocket expenses. We recognize the significance of dental implants for some individuals and recommend exploring alternative dental insurance options or discussing payment arrangements directly with your dental care provider to address your specific implant needs. Your oral health is vital to us, and we're here to offer guidance and clarity as you make decisions regarding your dental care.
Maximum Yearly Dental Benefit
The Allstate Select Dental Plus Plan not only offers exceptional coverage for your dental needs but also ensures that you can maximize your benefits year after year. With a generous $1000 maximum yearly benefit, you have the peace of mind that a significant portion of your dental expenses is covered. In the Second year the maximum benefit increased to $1500 and in the 3rd year of the plan, your yearly maximum benefit is $2000. What's even better is that this benefit resets 12 months after you sign up for the plan. This means that each year, you have a fresh start to make the most of your coverage, allowing you to prioritize your dental health without worrying about the limitations of a calendar year. With the Allstate Select Dental Plus Plan, you can confidently plan your dental care, knowing that your benefits are there to support you when you need them the most.
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.
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.