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Allstate Senior Dental and Hearing with optional Vision PPO Level 2
The Level 2 DVH plan is a well-rounded option that gives you solid coverage for both routine care and more advanced dental needs while still keeping costs manageable. It **covers preventive services like cleanings, exams, and X-rays at 100% right away—before the deductible**, so you can take care of your smile from day one. This dental plan has a $50 deductible and then starts sharing the costs of basic and major dental services. For basic needs like fillings and simple extractions, the plan helps by paying **25% in the first year and 50% in the second year.** It also includes **major services like crowns, dentures, and oral surgery**, helping cover those at **25% in the first year and 50% after the first year**. You’ll also have a **$1000 annual maximum benefit that the insurance will pay towards your dental services in the first year and a higher annual maximum that increases to $2000 in year two**, giving you more support if you need additional care. You can add an **optional vision plan** to help pay for eye exams, glasses, or contacts, and every plan includes **hearing discounts through Amplifon Hearing Health Care**, which can save you a significant amount on hearing aids and services. It’s a great, affordable way to cover the basics and keep up with your overall dental health.
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
One of the best parts of the Level 2 DVH plan is how it handles preventive care. Services like routine cleanings, exams, and X-rays are covered at 100% right from day one, helping you stay on top of your dental health without worrying about extra costs . Even better, these preventive services are covered before you have to meet your deductible, so you can go in for regular checkups and catch problems early. It’s a simple, stress-free way to maintain a healthy smile and avoid bigger, more expensive issues down the road.
Minor Dental Services
For minor or basic dental work, this plan helps cover common services you may need to keep your teeth healthy and functioning well. This includes things like fillings for cavities, simple tooth extractions, emergency treatment for dental pain, and repairs or adjustments to dentures. Before the plan starts sharing in those costs, you’ll first need to meet a small deductible of $50 per person. In the first year, the plan helps by paying about 25% of these costs, and that increases to 50% after the first year, giving you more coverage over time. While it’s not designed to cover everything, it does provide helpful support for the most common dental issues, making it easier to manage everyday dental care without paying the full cost out of pocket.
Major Dental Services
This plan also helps with major dental services, which are the bigger, more expensive procedures like crowns, root canals, oral surgery, and dentures . Before the plan starts sharing in those costs, you’ll first need to meet a deductible of $50 per person (up to $150 per family). Once that deductible is met, the plan will help pay 25% of major services in the first year and 50% after the first year, giving you more support over time. This added coverage can make a big difference when unexpected dental work comes up, helping reduce those larger out-of-pocket expenses.
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
It’s important to understand that this Level 2 plan is designed to cover the basic and major dental services, and it does not include coverage for implants. If you think you may need an implant now or in the future, you may want to consider a higher-level plan that includes those benefits. This plan is a great fit for keeping up with routine care and minor issues, but it’s not built for larger, more costly procedures.
Maximum Yearly Dental Benefit
This plan also includes an annual maximum benefit, which is the total amount the plan will pay toward your dental care each year. For the Level 2 plan, that maximum is $1,000 in the first year and increases to $2,000 starting in year two. For most people, this is more than enough to cover routine preventive care and a few basic and major services throughout the year. And as your benefits grow in the second year, you’ll have even more coverage available if you need additional work. It’s designed to comfortably handle the everyday dental care most people use, while keeping your costs predictable and affordable.
Vision Benefit
It’s important to understand that this Level 2 plan is designed to cover the basic and major dental services, and it does not include coverage for implants. If you think you may need an implant now or in the future, you may want to consider a higher-level plan that includes those benefits. This plan is a great fit for keeping up with routine care and minor issues, but it’s not built for larger, more costly procedures.
Hearing Benefit
This plan also includes an annual maximum benefit, which is the total amount the plan will pay toward your dental care each year. For the Level 2 plan, that maximum is $1,000 in the first year and increases to $2,000 starting in year two. For most people, this is more than enough to cover routine preventive care and a few basic and major services throughout the year. And as your benefits grow in the second year, you’ll have even more coverage available if you need additional work. It’s designed to comfortably handle the everyday dental care most people use, while keeping your costs predictable and affordable.
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.
