Allstate Senior Dental and Hearing with optional Vision PPO Level 3
For those who want the ultimate dental coverage, Level 3 delivers everything you need, including the unique benefit of dental implant coverage. This dental combo plan includes preventive services that are fully covered from day one, basic services start at 50%, and major services like crowns and extraction, including implants, are covered at 25% initially and rise to 50% in the second year. This level also includes excellent hearing benefits like substantial discounts on hearing aids and extended follow-up care. Plus, you can add optional vision coverage that gives you access to eye exams, lenses, and frames at discounted rates. Level 3 is the comprehensive choice for those who want full dental, hearing, and vision support to stay healthy and vibrant.
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
Preventive care is made incredibly accessible and affordable through this dental plan, as it is covered at an impressive 100% even before the deductible comes into play. This means that routine check-ups, cleanings, and other preventive dental services are not only encouraged but fully supported. By removing financial barriers, this plan encourages individuals to prioritize their oral health, leading to early detection and prevention of dental issues. This proactive approach not only ensures healthier smiles but also helps in avoiding more extensive and costly treatments down the road. It's a win-win for both your wallet and your well-being.
Minor Dental Services
Minor dental services are a fundamental part of maintaining oral health, and this dental plan recognizes their importance. With this plan, minor services like fillings and simple extractions receive valuable coverage. In the first year, you'll enjoy a 50% coverage for these minor services, providing financial support for routine dental needs. As you progress into the second year of the plan, the coverage increases to an advantageous 100%, ensuring that even minor dental concerns are addressed effectively. With this comprehensive coverage, you can approach minor dental issues with confidence, knowing that your dental health is well-supported and your smile stays radiant.
Major Dental Services
Major services are a crucial aspect of dental health, and with this dental plan, you can rest assured that your major dental needs are well taken care of. The plan offers substantial coverage for major services, including procedures such as crowns, bridges, root canals, and dentures. In the first year, these major services are covered at a generous 25%, providing significant financial support when you need it most. As you continue with the plan into the second year, the coverage increases to an impressive 50%, ensuring that your dental health remains a top priority. With this comprehensive coverage, you can tackle major dental issues with confidence, knowing that your smile is in good hands.
Orthodontia for Children
It's important to note that while this dental plan offers robust coverage for a wide range of dental needs, orthodontic care is not included in its coverage. Orthodontic treatments, such as braces or aligners, are often specialized and require a distinct set of considerations. While this plan focuses on preventive, minor, and major dental services, it does not extend to orthodontic procedures. For individuals seeking orthodontic care, it may be advisable to explore additional dental or orthodontic insurance options or discuss payment plans directly with orthodontic providers to ensure their specific needs are addressed effectively. This plan is designed to excel in other areas of dental care, emphasizing preventive and major services to promote overall oral health.
Implant Coverage
Introducing our exceptional dental plan that goes the extra mile by covering dental implants! With this plan, you can confidently pursue your dental implant needs, knowing that we offer a substantial 25% coverage in the first year, which increases to an impressive 50% in the second year. Even more, you'll have a substantial financial cushion, with a maximum benefit of $1500 in the first year and a generous $3000 in the second year. This comprehensive coverage ensures that dental implants, which can be life-changing for many, become a more accessible and affordable option for our valued members. Say goodbye to hesitation and hello to a brighter, more confident smile with our dental plan!
Maximum Yearly Dental Benefit
With this dental plan, we've designed a maximum benefit that truly works in your favor. You get $1500 the first year and $3000 the second year and on. Your maximum benefit resets every 12 months from the moment you enroll in the plan. This means that you have a fresh start to maximize your dental coverage and ensure your oral health is always well-supported. Whether you're in need of routine check-ups, major dental work, or anything in between, this plan's annual benefit reset ensures that you have the financial resources you need to maintain your smile and overall dental wellness year after year. It's our way of ensuring that your dental health remains a top priority, with the flexibility to adapt to your changing needs and schedules.
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.