Allstate Select Dental Prime Plan
The Allstate Dental Prime PPO Plan offers comprehensive dental coverage with a $50 individual and $150 family deductible. Preventive services are covered at 100%, ensuring that regular check-ups and cleanings come at no additional cost. Basic like fillings are covered at 60% and major services like crowns are covered at 25%, while orthodontics receive a 15% benefit up to $1,000. The plan features an increasing annual maximum benefit, starting at $2,000 in the first year, rising to $2,500 in the second year, and reaching $3,000 in the third year. This plan provides both affordability and flexibility for your dental care needs, promoting oral health and peace of mind.
Carrier
Allstate
Plan Year
2025
Individual and Family Deductible
Dental insurance deductibles work similarly to health insurance deductibles, but they apply specifically to dental care. Individual deductibles are the amount a person must pay out-of-pocket for covered dental services before the insurance starts covering a portion of the costs. In a family plan, each family member has their own individual deductible, but many plans also have a family deductible cap, meaning once the family’s combined spending reaches a certain limit, the insurance will kick in for all members. These deductibles generally apply to services like fillings, crowns, and other restorative treatments, but routine care such as cleanings and exams may be covered without needing to meet the deductible. Understanding how these work ensures you're prepared for any out-of-pocket costs when seeking dental care.
Individual Deductible
$50
Family Deductible
$150
Preventative Care
Preventative care is the cornerstone of maintaining good health, particularly in the realm of dentistry. Regular check-ups, cleanings, and early screenings are essential in preventing more serious dental issues from developing. These preventive measures not only save you from potential discomfort but also help in avoiding costly and extensive treatments down the road. By prioritizing preventative care, you not only preserve your oral health but also contribute to your overall well-being, ensuring a brighter, healthier smile for years to come.
Minor Dental Services
With the Allstate Dental Prime PPO Plan, you can enjoy valuable benefits for minor dental services. In the first year, these minor services are covered at a substantial 60%, ensuring that routine procedures like fillings and simple extractions are not a financial burden. What's even more advantageous is that the coverage for minor services increases to an impressive 80% in the second year and remains on this plan. This means that as you continue with this plan, your financial burden for minor dental work becomes even lighter over time, encouraging regular check-ups and prompt treatment of minor issues to maintain your oral health without breaking the bank.
Major Dental Services
With the Allstate Dental Prime PPO Plan, major dental services receive valuable coverage as well. In the first year, major services are covered at 25%, which helps offset the costs of extensive treatments like root canals, crowns, and oral surgeries. What's particularly beneficial is that the coverage for major services increases to a substantial 50% in the second year and remains consistent on this plan. This progressive coverage structure ensures that as you continue with the plan, you'll have increased financial support for major dental work, making it more manageable and affordable over time. This encourages proactive management of significant dental issues, promoting your oral health while easing the financial impact.
Orthodontia for Children
For children under 18 years old on the Allstate Dental Prime PPO Plan, orthodontic services are included with coverage starting at 15% in the first year. This coverage ensures that orthodontic treatments like braces or aligners are more affordable, helping to align and improve their smiles. What's even more advantageous is that the coverage increases to a generous 50% in the second year and remains applicable for each child on the plan. Additionally, there is a maximum benefit of $1,000 per child, allowing you to plan and budget for orthodontic care while ensuring your children receive the necessary treatment to maintain their oral health and aesthetics. This progressive coverage structure supports the dental needs of growing children, promoting healthy and confident smiles.
Implant Coverage
It's important to note that while the Allstate Dental Prime PPO Plan offers comprehensive coverage for a wide range of dental services, including preventive, minor, major, and orthodontic treatments, it does not include coverage for dental implants. Dental implants are a highly specialized and often expensive procedure designed to replace missing teeth with artificial roots and crowns. Due to their unique nature and the associated costs, dental implant procedures are typically not covered under many dental insurance plans, including this one. Therefore, individuals considering dental implants should be aware that they may need to explore alternative financing options or consider supplemental dental insurance plans specifically designed to cover implant-related expenses.
Maximum Yearly Dental Benefit
The Allstate Dental Prime PPO Plan provides a reassuring annual maximum benefit that progressively increases over the years. In the first year, members can avail themselves of up to $2,000 in coverage for their dental needs. This initial limit ensures financial protection against unforeseen dental expenses. In the second year, the annual maximum benefit rises to a more substantial $2,500, offering even greater peace of mind and flexibility in managing dental care costs. By the third year, the plan reaches its highest annual maximum benefit of $3,000, further solidifying its commitment to safeguarding members' oral health and supporting their dental treatments. This progressive structure encourages consistent dental care, allowing individuals and families to effectively plan for their oral health needs while knowing they have reliable financial support from their insurance 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 dentists 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 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.
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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.
PPO Plans and 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 and contact the dentist to work out a payment plan.
