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Allstate Dental Indemnity Plus Plan
Allstate Health Plus Dental Indemnity Plan is a great choice for those who want protection for both everyday dental care and more expensive procedures. In addition to covering preventive and basic services like exams, x-rays, cleanings, fillings, and extractions, this plan also includes major services—such as crowns, root canal retreatments, inlays, complete dentures, and certain surgical procedures like maxillary sinusotomy. Because this is an indemnity plan, it pays fixed cash benefits for each service, so you know exactly what the plan will contribute. If your dentist charges more than the set amount, you are responsible for the difference. You have the freedom to visit any dentist, but if you choose a provider within the Careington Maximum Care Dental Network, you can take advantage of pre-negotiated savings to help lower your out-of-pocket costs even more. It’s important to note that major services on the Plus plan come with a 180-day waiting period before benefits are available. After that waiting period, the plan begins paying for those services, helping you prepare for larger dental needs down the road. This plan is ideal for individuals or families who want stronger, more complete dental coverage, especially if they anticipate needing major dental work in the future, while still keeping a predictable and affordable monthly cost.
Carrier
Allstate
Plan Year
2026
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
$0
Family Deductible
$0
Preventative Care
This plan pays a maximum benefit of $100, available two times per year for each covered person for your exams, x-rays and cleanings. With this plan, you can schedule those crucial dental check-ups without hesitation, ensuring that your smile stays bright and healthy. We're committed to supporting your preventative care efforts, helping you prevent potential issues before they become major concerns. Invest in your dental health today with our Dental Indemnity Plan and take proactive steps towards a lifetime of confident smiles.
Minor Dental Services
Our Dental Indemnity Plan isn't just about prevention; it's about comprehensive coverage for all your dental needs. When it comes to minor work like fillings, this plan has got you covered with a generous $150 benefit per filling that you require. This dental plan ensures that you can address these minor dental issues without the financial worry. We believe that taking care of minor problems today can prevent major dental complications down the road. With our Dental Indemnity Plan, you can smile confidently, knowing that your dental health is well-supported, no matter what minor treatments you may need.
Major Dental Services
With this plan, you gain access to a wide range of benefits that cover major procedures such as inlays, crowns, retreatment of previous root canal therapy, complete dentures, and even maxillary sinusotomy. Imagine having peace of mind knowing that you're protected with our plan, with fixed, predictable coverage. This dental plan offers competitive reimbursements like $330 for inlays, $450 for resin crowns, $250 for root canal retreatment, $375 for complete dentures, and a substantial $825 for maxillary sinusotomy. Your oral health is essential, and we're here to ensure you receive the quality care you deserve without the burden of exorbitant expenses. With our Dental Indemnity Plus Plan, you can confidently smile your way through any dental procedure, knowing your financial well-being is secure.
Orthodontia for Children
It's important to note that orthodontic services, whether for children or adults, are not covered under these plans. This exclusion is in place to help keep your monthly premiums affordable. We understand that orthodontic treatments can be a significant expense, and we want to provide you with flexibility in choosing the right coverage for your specific needs. If you or your family members require orthodontic care, please reach out to a local agent at Utah Avenue. They will be happy to assist you in exploring our dental insurance options that include orthodontic coverage, ensuring you find the perfect plan to achieve the straight and healthy smile you desire. Your dental health is our priority, and we're here to help you make the best choices for your oral care needs.
Implant Coverage
Our Indemnity Dental Plus plan is designed to offer comprehensive coverage for a wide range of dental needs, including preventative care and some minor and major treatments. However, it's important to note that dental implants, which are a more complex and specialized dental procedure, are not covered under these plans. This exclusion helps to maintain affordable monthly premiums, providing you with flexibility in choosing the right coverage for your specific needs. If you require dental implant coverage or have more extensive dental needs, please reach out to a local agent at Utah Avenue. They will assist you in exploring our dental insurance options that include implant coverage, ensuring you find the perfect plan to address your specific dental requirements. Your dental health is our priority, and we're here to help you make informed decisions to achieve the best possible oral care.
Maximum Yearly Dental Benefit
Our Indemnity Dental Plus plan offers a maximum benefit of $1,500 per year, ensuring that you have financial support for your oral healthcare needs. This yearly cap is designed to provide you with predictable coverage and peace of mind, helping you budget for dental expenses with confidence. While the maximum benefit is in place, it still offers substantial coverage for routine check-ups, cleanings, minor treatments, and other essential dental services. Remember that maintaining regular dental visits can help prevent more extensive and costly procedures down the line. Our goal is to support your dental health while keeping your premiums affordable, so you can enjoy a healthy smile year after year.
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.
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.
