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Allstate Select Dental Prime Plan
The Allstate Dental PPO Prime Plan offers a high level of coverage with no waiting periods on covered dental services, so you can start using your benefits right away—often as soon as the next day. This plan includes a $50 deductible per person (up to $150 per family) for in network dentists, and once that’s met, your coverage begins with preventive care covered at 100%. For additional services, the plan uses coinsurance, covering 60% of basic services like fillings in year one and 25% of major services like crowns and root canals after the yearly deductible is met. One of the biggest advantages of the Prime plan is that your benefits increase the longer you keep it. In year two, coverage improves to 80% for basic services and 50% for major services, significantly lowering your out-of-pocket costs over time. This plan also includes orthodontic coverage, paying 15% in year one and 50% in year two, up to a $1,000 lifetime maximum per child 18 years old and younger, making it a great option for families planning for braces or other orthodontic needs. The plan also features a growing annual maximum benefit, starting at $2,000 in year one, increasing to $2,500 in year two, and up to $3,000 in year three and beyond—giving you more coverage the longer you stay enrolled. This plan is ideal for individuals and families who want top-tier coverage, orthodontic benefits, and increasing value over time, all while maintaining the flexibility to choose their dentist.
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
$50
Family Deductible
$150
Preventative Care
In the Allstate Select Dental Plus Plan, we take preventive care seriously. With a commitment to your dental wellness, this plan has 100% coverage for preventative services after the $50 deductible per person (up to $150 per family) is met for in network dentists. If you go out of network, then this plan has a $100 per person deductible (up to $300 per family) and covers preventative at 70%. We believe that prevention is the best investment for your smile, and with this plan, you can enjoy peace of mind knowing that your preventive care is our top priority. Choose Allstate Select Dental Plus, and take a proactive step towards a healthier, happier smile.
Minor Dental Services
When it comes to minor dental work, the Allstate Select Dental Plus Plan is your dependable partner. In the first year for in network dentists, we offer a substantial 60% coverage for basic services, which includes treatments like fillings and simple extractions after the yearly deductible is met. In the second year and on, basic services are covered at 80% for in network dentists. If you go out of network, then this plan has a $100 per person deductible (up to $300 per family) and covers basic services at 30% the first year and 50% in the second year and beyond. Need to address a cavity or minor dental issues? Rest assured that your wallet won't take a hit. And the best part? Our coverage for these essential procedures only gets better in the second year of the plan. With the Allstate Select Dental Plus Plan, you can tackle minor dental concerns with ease, knowing that your dental health and your budget are both in good hands.
Major Dental Services
When it comes to major dental work, the Allstate Select Dental Plus Plan has got your back. In the unfortunate event that you require extensive procedures like root canals, crowns, or bridges, you can count on us for substantial coverage at 15% in the first year for in network dentists after the deductible is met, providing significant relief for your dental expenses. And here's the exciting part: our support for major work becomes even more substantial in the second year of the plan. in the second year and on, this plan will cover 25% of major services with an in network dentist. If you go out of network, then this plan covers 10% of major services in the first year and 15% the second year and on. Your oral health and your financial well-being are our top priorities, so you can face major dental procedures with confidence, knowing that the Allstate Select Dental Plus Plan is there to support you every step of the way. Choose us and embrace a brighter, healthier smile without breaking the bank.
Orthodontia for Children
For children 18 years old and younger on the Allstate Dental Prime PPO Plan, orthodontic services are included with coverage starting at 15% in the first year and 50% in the second year with a lifetime maximum of $1000 per child. This coverage ensures that orthodontic treatments like braces or aligners are more affordable, helping to align and improve their smiles. 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.
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.
