Allstate Select Dental Value Plan
The Allstate Select Dental Value Plan is designed to offer essential dental coverage while maintaining affordability. With a low $50 deductible, it ensures easy access to dental care. Preventive services, such as regular check-ups and cleanings, are fully covered at 100%, encouraging routine maintenance of oral health. Basic dental work like fillings is also covered, with a 60% benefit, helping members manage common dental issues without a significant financial burden. However, it's important to note that major dental services are not covered under this plan, allowing it to keep premiums more budget-friendly. Despite this limitation, the plan provides a maximum annual benefit of $1,000, offering a financial safety net for a range of dental needs. The Allstate Select Dental Value Plan strikes a balance between cost-effectiveness and essential dental coverage, ensuring that individuals can maintain their oral health without breaking the bank.
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.
The Allstate Select Dental Value Plan goes the extra mile in promoting preventive care by offering a unique advantage: preventive services are covered even before meeting the deductible, but this applies exclusively when utilizing an in-network dentist. This means that individuals on this plan can access essential preventive treatments such as regular check-ups, cleanings, and X-rays without any out-of-pocket costs, making it easier to prioritize their oral health. This feature not only encourages proactive dental care but also underscores the plan's commitment to preventive measures as a fundamental step in maintaining overall well-being. By covering these services before the deductible, the Allstate Select Dental Value Plan empowers individuals to make sound choices for their dental health, ultimately preventing more extensive and costly issues down the line.
Minor Dental Services
The Allstate Select Dental Value Plan offers comprehensive coverage for minor dental services, making it easier for members to address common oral health concerns. In the first year, minor services, which include procedures like fillings and simple extractions, are covered at a substantial 60%. This coverage helps individuals manage the costs associated with routine dental treatments, ensuring that dental health is both accessible and affordable. What's even more advantageous is that in the second year, the coverage for minor services increases to an impressive 80%, providing even greater financial support for these essential treatments. This progressive coverage structure encourages members to maintain their oral health with regular check-ups and prompt treatment of minor issues, ultimately promoting healthier smiles and reducing the long-term impact of dental problems.
Major Dental Services
The Allstate Select Dental Value Plan is designed with affordability in mind, and as a result, it does not cover major dental services. While major services, including procedures like root canals, crowns, and oral surgeries, are not included in this plan, this strategic limitation helps keep premiums at a more budget-friendly level. By focusing on preventive and basic dental coverage, the plan ensures that individuals can access essential oral health care without stretching their budgets too thin. While major services are not covered, the plan provides a maximum annual benefit of $1,000, offering a financial safety net for a range of dental needs. The Allstate Select Dental Value Plan strikes a balance between cost-effectiveness and essential dental coverage, providing peace of mind for routine dental care while allowing individuals to explore additional options for major treatments if necessary.
Orthodontia for Children
The Allstate Select Dental Value Plan has been structured to maintain affordability, and as a result, it does not include coverage for orthodontic treatments. Orthodontic services, such as braces or aligners, are specialized procedures that require a dedicated focus and often involve substantial costs. By excluding coverage for orthodontics, this plan can offer more budget-conscious premiums, ensuring that essential dental care remains accessible to a broader range of individuals and families. While orthodontic treatments are not part of this plan, it emphasizes the importance of preventive and basic dental services, enabling members to prioritize their overall oral health. For those who require orthodontic work, supplemental insurance or alternative financing options may be considered to meet their specific needs while benefiting from the affordability and coverage provided by the Allstate Select Dental Value Plan for other dental services.
In order to maintain affordability, the Allstate Select Dental Value Plan does not provide coverage for dental implants. Dental implants are a highly specialized and often costly dental procedure aimed at replacing missing teeth with artificial roots and crowns. Recognizing the unique nature and expense associated with dental implant treatments, this plan strategically omits coverage for them. By doing so, the plan can offer a more budget-friendly premium, making essential dental care accessible to a wider range of individuals and families. While dental implants are not covered, this plan ensures that preventive and basic dental services remain affordable, empowering members to prioritize their overall oral health while considering alternative financing options for more specialized procedures like dental implants, if needed.
Maximum Yearly Dental Benefit
The Allstate Select Dental Value Plan provides a flexible maximum yearly benefit structure that adjusts based on the duration of your enrollment. In the first year of enrollment, members can access a maximum benefit of $1,000, which provides essential coverage for a variety of dental needs. In the second year, the benefit increases to $1,500, offering more substantial financial support for dental treatments. By the third year of enrollment, the plan reaches its highest annual maximum benefit of $2,000, ensuring that members have even greater financial protection and peace of mind when it comes to managing their oral health. This progressive benefit structure aligns with the duration of enrollment, encouraging individuals to continue prioritizing their dental care and enjoy increased coverage as they maintain their membership in the plan.
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.
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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.