Allstate Senior Dental and Hearing with optional Vision PPO Level 1
If you’re looking for essential dental coverage that takes care of your day-to-day needs, Level 1 of our Allstate Health Solutions Dental Plan has you covered. This plan offers 100% coverage for preventive services, such as cleanings and exams, from day one. Basic services start at 25% coverage in the first year and increase to 50% in the second year, while major services are not included. Additionally, you’ll benefit from Amplifon Hearing Health Care, which provides discounted hearing aids, routine exams, and two years of free batteries. For even more comprehensive care, you can add optional vision coverage, which helps pay for eye exams, lenses, and frames—perfect for maintaining overall wellness.
Carrier
Allstate
Plan Year
2025
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
$50
Family Deductible
$150
Preventative Care
Your oral health is of utmost importance. With this plan, all preventive services are fully covered from day one, ensuring that you maintain a bright, healthy smile without any out-of-pocket expenses.
Minor Dental Services
We've got your back as your needs change. In the first year, basic dental work is covered at 25%, and in the second year, it increases to 50%. This gradual increase ensures you have the support you need when it matters most.
Major Dental Services
To ensure that our Allstate Dental Vision Hearing PPO Plan remains affordable and accessible to all, major work is not included in the base coverage. However, we understand that some may require additional coverage for major procedures. That's why we offer the flexibility to choose between Level 2 or Level 3 coverage options to meet your specific needs. To tailor your plan and discuss the best option for you, feel free to reach out to a local agent at Utah Avenue. They will provide personalized guidance and help you make an informed decision about your dental, vision, and hearing coverage. At Allstate, we're committed to putting your health and well-being first, offering you the choices you need for peace of mind.
Orthodontia for Children
Please note that orthodontic procedures, such as braces or Invisalign, are not covered under the Allstate Dental Vision Hearing PPO Plan. This decision has been made to maintain lower premium costs and keep the plan accessible and affordable for our members. While orthodontic work is not part of the base coverage, we understand that some individuals may require such services. If orthodontic care is essential for you or your family, we recommend exploring supplementary orthodontic coverage options or discussing potential solutions with an orthodontist to address your specific needs. At Allstate, our primary focus is on providing comprehensive preventive, basic, and essential dental, vision, and hearing coverage to keep you in optimal health.
Implant Coverage
Please be aware that dental implants are not covered under the Allstate Dental Vision Hearing PPO Plan. This exclusion has been put in place to maintain reasonable premium costs and ensure affordability for all our plan members. While dental implants are a valuable and effective dental solution, they are considered a major dental procedure, and our plan primarily focuses on preventive and basic dental services. We encourage individuals in need of dental implants to explore alternative options, such as supplementary dental implant coverage or discuss payment plans with their dental provider to address their specific requirements. Rest assured, the Allstate Dental Vision Hearing PPO Plan remains committed to providing comprehensive coverage for preventive, basic, and essential dental, vision, and hearing care to support your overall well-being.
Maximum Yearly Dental Benefit
Under the Allstate Dental Vision Hearing PPO Plan, members can take advantage of a maximum yearly benefit to help manage their healthcare expenses. In the first year, the plan provides a generous maximum benefit of $750, allowing members to access essential dental, vision, and hearing services without worrying about exceeding their coverage limits. As members continue with the plan, this maximum benefit increases to $1,000 in the second year and beyond, ensuring that their coverage remains robust and adaptable to their evolving healthcare needs. This yearly benefit limit is designed to provide financial peace of mind, allowing members to prioritize their health and well-being while maintaining predictability in their healthcare costs. With Allstate, you can count on comprehensive coverage and a dependable maximum yearly benefit to support your overall health and vitality.
Vision Benefit
Enhance your Allstate Dental Vision Hearing PPO Plan with our optional vision benefit, offering you the flexibility to cater to your eye care needs. With the low plan, you'll enjoy a vision exam for a nominal $15 copay and receive $130 towards glasses or contacts every two years. This cost-effective option ensures that your vision check-ups are accessible and provides a substantial contribution towards your eyewear expenses. If you seek more frequent vision care, the high plan is an excellent choice, featuring a lower $10 copay for your vision exam and offering you $150 for glasses or contacts every single year. Whether you prefer a budget-friendly approach or more comprehensive coverage, our optional vision benefit allows you to customize your plan to align perfectly with your vision requirements, ensuring clarity and comfort in your everyday life. Find a provider at: yallstatehealthsolutions.com/avesisvision
Included Hearing Benefit
Our Allstate Dental Vision Hearing PPO Plan goes the extra mile to take care of your hearing health. With our comprehensive hearing benefit, you'll gain access to essential services and savings that ensure your auditory well-being. The plan covers a hearing exam, allowing you to monitor your hearing health with ease. Additionally, you can enjoy average savings of 64% on hearing aids, making them more affordable and accessible than ever before. But that's not all – we're committed to your ongoing care, offering one year of follow-up care to ensure that you continue to enjoy optimal hearing. Plus, you'll receive two years of free batteries and a three-year warranty for your hearing aids, providing peace of mind and long-term value. With Allstate, your hearing needs are not just heard; they are actively addressed with a comprehensive benefit that supports your auditory health throughout your journey. Find a provider at: amplifonusa.com/lp/allstatehealth
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 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 benefits of this plan plan. To learn the full benefits and terms of this plan, please see the full summary of benefits or contact your local agent. 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.