Network: Aetna Dental® Administrators Network — 89,000+ providers nationwide. Simply show your ID card at each visit and get in-network benefits for covered services.
Plan Benefits at a Glance
| Coverage Type | Value Plan In-Network |
Value Plan Out-of-Network |
Plus Plan In-Network |
Plus Plan Out-of-Network |
Prime Plan In-Network |
Prime Plan Out-of-Network |
|---|---|---|---|---|---|---|
| Deductible (per calendar year) | ||||||
| Individual | $50 | $100 | $50 | $100 | $50 | $100 |
| Family | $150 | $300 | $150 | $300 | $150 | $300 |
| Preventive Services (cleanings, exams, x-rays) | ||||||
| All years | 100% | 70% | 100% | 70% | 100% | 70% |
| Basic Services (fillings, extractions, emergency care) | ||||||
| First Year | 60% | 30% | 60% | 30% | 60% | 30% |
| Second Year+ | 80% | 50% | 80% | 50% | 80% | 50% |
| Major Services (crowns, dentures, oral surgery) | ||||||
| First Year | Not covered | Not covered | 15% | 10% | 25% | 15% |
| Second Year+ | Not covered | Not covered | 25% | 15% | 50% | 30% |
| Orthodontics (children under 19) | ||||||
| First Year | Not covered | Not covered | Not covered | Not covered | 15% | 15% |
| Second Year+ | Not covered | Not covered | Not covered | Not covered | 50% | 50% |
| Orthodontia Maximum | Not covered | Not covered | $1,000 | |||
| Annual Maximum Benefit (per person) | ||||||
| First Year | $1,000 | $1,000 | $2,000 | |||
| Second Year+ | $1,500 | $1,500 | $2,500 | |||
| Third Year+ | $2,000 | $2,000 | $3,000 | |||
* In Mississippi and Texas, there are no cost-sharing differences for out-of-network providers (Passive Network States).
Primary Covered Services & Limitations
| Service | How Many / How Often |
|---|---|
| TYPE A: PREVENTIVE | |
| Prophylaxis (cleanings) | One every six months |
| Oral Examinations | One every six months |
| Topical Fluoride Applications | One per 12-month period for dependent children up to age 18 |
| X-rays (bitewing) | One set per calendar year |
| TYPE B: BASIC RESTORATIVE | |
| X-rays (full mouth) | One every 60 months |
| Fillings (amalgam & composite) | Initial placement; replacement after 24 months if new decay |
| Simple Extractions | As needed |
| Emergency Treatment of Dental Pain | As needed |
| Periodontics (maintenance) | No more than 2 treatments per calendar year combined with prophylaxis |
| Space Maintainers | For dependent children up to 14th birthday, once per lifetime per tooth area |
| Sealants | One application every 60 months per non-restored molar; children up to age 16 |
| Denture Adjustments & Repairs | As needed |
| TYPE C: MAJOR RESTORATIVE | |
| Crown, Denture & Bridge Repair / Recementations | One per tooth every 10 years; re-cementing once per 12 months |
| Implants | One per tooth every 10 years; repair one per tooth per 12 months |
| Bridges and Dentures | Initial placement for teeth lost while covered; replacement every 10 years |
| Crowns / Inlays / Onlays | One per tooth every 10 years; replacement every 10 years |
| Endodontics (root canals) | Once per tooth per lifetime |
| General Anesthesia | When dentally necessary in connection with oral surgery or major services |
| Oral Surgery | As covered in certificate |
| Simple Extractions | As needed |
| Surgical Extractions | As needed |
| Periodontics (scaling & root planing) | Once per quadrant every 24 months; surgery once per quadrant every 36 months |
| TYPE D: ORTHODONTIA (Prime Plan only — children under 19) | |
| Orthodontia | Children up to age 19 covered while plan is in effect; payments on repetitive basis |
No Deductibles. Copay plans give you access to the Aetna Dental® Administrators Network (89,000+ providers) with flat copays per visit — no deductibles. Copay Plan 2 has no waiting period on any services and no annual benefit maximum.
Copay Plan Comparison
| Service Type | Copay Plan 1 | Copay Plan 2 | |||
|---|---|---|---|---|---|
| Copay | Waiting Period | Year 1 Copay | Year 2+ Copay | Waiting Period | |
| Preventive Services Cleanings, exams, x-rays, fluoride |
$50 / visit | None — Day 1 | $0 | $0 | None |
| Basic Services Fillings, simple extractions, emergency |
$50 / procedure | None — Day 1 | $100 | $50 | None |
| Major Services — Tier 1 Oral surgery, periodontics, composite fillings |
$50 / procedure | 6 months | $125 | $75 | None |
| Major Services — Tier 2 Crowns, endodontics, bridges, dentures |
$250 / procedure | 6 months | $500 | $350 | None |
| Annual Maximum | $3,000 / person / year | No Maximum | |||
How copays work: If you go in-network, the plan pays the negotiated rate — you pay only the copay. If you go out-of-network, the plan pays the maximum allowable amount; you pay the copay plus any remaining balance.
Copays are waived for: Deep sedation/general anesthesia during basic or major services; post and core in addition to crown; core buildup including required pins.
Copays are waived for: Deep sedation/general anesthesia during basic or major services; post and core in addition to crown; core buildup including required pins.
Services Covered — Copay Plans
| Category | Examples of Covered Services |
|---|---|
| Preventive Services | |
| Evaluations, examinations, cleanings, fluoride treatments, bitewing and full-mouth x-rays | |
| Basic Services | |
| Amalgam and resin-based composite fillings, simple extractions, emergency treatment of dental pain, consultations, denture adjustments and repairs | |
| Major Services — Tier 1 | |
| Deep sedation/general anesthesia for major services, oral surgery, composite fillings, periodontics | |
| Major Services — Tier 2 | |
| Crown services, endodontic therapy, fixed prosthodontics, fixed partial denture pontics, fixed partial dental retainers (inlays/onlays) | |
Coverage renewable to age 65 provided plan provisions are met and plan is available in your state. Copay Plan not available in NH. Copay Plan 2 not available in PA. Available in: AK, AL, AZ, CA, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MI, MN, MO, MS, NC, ND, NE, NH, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY.
Cash benefits paid directly to you. Dental Indemnity plans pay a set dollar amount per visit or procedure — you keep the cash and use it however you need. Use any dentist, no network required. Add an optional Network Savings Card for an average 45% discount on top of your benefits.
Basic Plan
$500 annual max · $75/visit preventive · Day 1 coverage
Intermediate Plan
$1,000 annual max · $100/visit preventive · Higher benefits
Plus Plan
$1,500 annual max · Major services covered · Best value
Indemnity Plan Benefits
| Service | Basic Plan | Intermediate Plan | Plus Plan |
|---|---|---|---|
| Preventive Services (2 visits per year, at least 150 days apart) | |||
| Exams, X-rays, Cleaning | $75 / visit | $100 / visit | $100 / visit |
| Basic Services (50% of benefit in year 1, 100% year 2+) | |||
| Filling | $75 | $150 | $150 |
| Extraction (erupted tooth or exposed root) | $50 | $100 | $100 |
| Reline Complete Denture (laboratory) | $150 | $300 | $300 |
| Major Services (Plus plan only — 180-day waiting period; 50% year 1, 100% year 2+) | |||
| Inlay; metallic; two surfaces | — | — | $330 |
| Crown; resin | — | — | $450 |
| Retreatment of previous root canal | — | — | $250 |
| Complete Denture | — | — | $375 |
| Maxillary Sinusotomy | — | — | $825 |
| Annual Benefit Maximum | |||
| Per Person | $500 | $1,000 | $1,500 |
📋 Preventive services do NOT count against your annual maximum — only basic and major services apply toward the limit. This means your cleanings and exams are always covered on top of your annual benefit.
Optional Network Savings Card
Dental Savings
Avg 45% off all dental services from Careington Maximum Care Network providers
Vision Discounts
$50 flat rate eye exams, 5% off contact lens exams, special pricing on glasses
How it stacks: Your indemnity plan pays you cash benefits first. Then your Network Savings Card cuts the remaining balance by an average of 45%. Example — crown costs $1,068: plan pays $450, network saves $342, you pay only $276.
Find a provider: allstatehealth.solutionssimplified.com
Find a provider: allstatehealth.solutionssimplified.com
Key Facts
| Feature | Detail |
|---|---|
| Eligible Ages | Birth through age 94 (spouse: age 14–94; child dependents: birth–24) |
| Waiting Period — Preventive & Basic | None — covered from Day 1 |
| Waiting Period — Major Services | 180 days (Plus plan only) |
| Network Required | No — use any licensed dentist |
| Available States | AK, AL, AR, AZ, CA, CT, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY |
| Network Savings Card — Not Available | UT, VT, WA |
| Renewability | Renewable provided you haven't moved to an unavailable state |
| Underwriter | National Health Insurance Company (most states); Integon Indemnity Corp. (FL); Integon National Insurance Co. (CT) |
| Policy Form | AHS_DI_1043-3 (Rev. 01/2026) © 2026 Allstate Insurance Company |
This plan provides limited benefits for specified dental services and is not a major medical insurance plan. Not a Medicare Supplement policy. Preventive services not within 150 days of previously submitted preventive services. Repairs to dental work must be more than 180 days after initial procedure. Replacement prosthetics within 5 years not covered. Dental implants not covered.
Optional Vision Coverage (Add-On)
Add vision coverage from the Avēsis Vision Network — 98,000+ providers nationwide — to any dental plan. Two affordable levels available.
| Benefit | Level 1 Plan | Level 2 Plan |
|---|---|---|
| Annual Eye Exam | $15 copay | $10 copay |
| Frames & Contact Lenses | $130 max / per 24 months | $200 max / per 12 months |
| Lenses | $25 copay / per 24 months | $25 copay / per 12 months |
| Progressives | Max benefit $55 | Max benefit $135 |
| Polycarbonate Lenses | Covered | Covered |
| Scratch-resistant coating | Discount | Covered |
| UV protection | Discount | Covered |
| Tinted lenses | Discount | Covered |
| Anti-reflective coating | Discount | Discount |
Frequently Asked Questions
Who is a participating dentist? ▾
Allstate Health Solutions uses the Aetna Dental® Administrators Network with 89,000+ providers nationwide. A participating dentist has agreed to accept negotiated fees as payment in full for covered services. To find a provider near you, use the Allstate Dental Network provider search.
Can I see a dentist outside the network? ▾
Yes. You may always choose any licensed dentist. However, if you use an out-of-network provider your out-of-pocket costs will be higher — the plan pays the maximum allowable amount and you are responsible for any difference. In Mississippi and Texas (Passive Network States), there are no cost-sharing differences for out-of-network providers.
When does coverage begin? ▾
Preventive services (cleanings, exams, x-rays) are covered from Day 1 on all plans. For the PPO coinsurance plans, basic services (fillings, extractions) begin immediately; major services begin immediately on Plus and Prime plans. For Copay Plan 1, major services have a 6-month waiting period. Copay Plan 2 has no waiting period on any services.
How do I pay for coverage? ▾
You can pay by monthly bank draft (ACH) or pay for the entire year via credit card. You choose your payment method at the time of enrollment.
Can I enroll my family? ▾
Yes. Plans are available for individuals and families ages 0–64. You may also enroll your spouse, domestic partner, and/or children up to age 26 (age may vary by state). Child-only plans are also available for children under 19.
Are there any services not covered? ▾
Common exclusions include: teeth bleaching/cosmetic procedures, implants (Copay plans), replacement of teeth missing prior to coverage (unless covered 24+ months), services covered under another plan, orthodontics (unless Prime plan), and personal supplies such as toothbrushes or water picks. See your certificate of insurance for the complete list.
How are claims processed? ▾
In-network dentists submit claims on your behalf — you have little or no paperwork. You can track your claims online. For out-of-network providers you may need to submit a claim form yourself.
Who underwrites these plans? ▾
Allstate Health Solutions is the marketing name for products underwritten by National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation — all subsidiaries of The Allstate Corporation (NYSE: ALL), one of the largest publicly held personal lines insurers in the United States. These companies are authorized to provide health insurance in all 50 states and the District of Columbia.