Allstate Select Dental PPO Copay Plans - No Deductible Coverage

Understanding Your Allstate Select Dental Copay Coverage

Allstate Health Solutions offers Select Dental PPO Copay plans that prioritize cost transparency and immediate access to care. Unlike traditional insurance, these plans eliminate the need to meet an annual deductible before your benefits begin. Whether you are looking for individual coverage or a family plan for ages 0-64, you gain access to the extensive Aetna Dental® Administrators network with over 89,000 providers nationwide. With a copay-based model, you know exactly what your out-of-pocket costs will be for every visit and procedure, allowing you to manage your health budget with confidence.

Explore Plan Options

You can choose between two primary copay structures based on your need for higher benefit limits or lower long-term costs.

• Copay Plan 2 (The "No Limits" Option): This plan is designed for maximum flexibility, featuring no annual benefit maximums and no waiting periods for any covered services. A standout feature is that your copayments for basic and major services actually decrease starting in the second year of your plan.
• Copay Plan 1 (The "Value" Option): An excellent choice for those who want a high annual limit at an affordable rate, offering a $3,000 maximum per person, per plan year. While preventive and basic services start on day one, there is a six-month waiting period for major dental procedures.

How the Plans Work

• No Annual Deductibles: You never have to pay a large upfront amount before the insurance starts sharing the cost.
• Fixed Copayments: For preventive care, you pay a simple copay per visit. For basic and major dental work, copays are applied per procedure, ensuring there are no financial surprises.
• Tiered Major Services: Major dental work is clearly categorized into Tier 1 (including oral surgery and periodontics) and Tier 2 (including crowns and endodontic therapy/root canals), each with its own fixed copay amount.
• In-Network Savings: When you visit an in-network Aetna provider, the plan pays the negotiated rate, and you are responsible only for your fixed copay.

Why Choose Allstate Select Dental Copay?

• Immediate Benefits: Both plans offer day-one coverage for preventive and basic services, such as cleanings, X-rays, and fillings.
• No Waiting on Plan 2: Choose Copay Plan 2 to bypass waiting periods entirely, even for major services like crowns and root canals.
• Comprehensive Wellness: You can easily add optional Avēsis vision coverage to your dental plan, providing benefits for annual eye exams, frames, and lenses through a network of over 98,000 providers.
• Child-Only Options: Specialized plans are available for children, ensuring they have the foundational care they need from an early age.

Note: This insurance provides limited benefits and is not a substitute for comprehensive medical coverage. Copay Plan 1 is not available in NH, and Copay Plan 2 is not available in MO or PA.