Five dental plans on the Aetna Dental Administrators network. Three coinsurance plans (Value, Plus, Prime) pay a percentage of each bill, and two copay plans charge you a set amount per visit or procedure. You can add vision coverage to any of them. Amounts are per covered person unless noted.
Based on Allstate's May 2026 Select Dental PPO brochure · Updated October 2026
Alabama, Alaska, Arizona, California, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Wyoming
The copay plans aren't offered in New Hampshire, Copay Plan 2 isn't offered in Pennsylvania, and vision isn't offered in Virginia. Don't see your state? Reach out. I can help you find other options.
A good fit if you mainly need cleanings, checkups, and the occasional filling.
Good to know: no coverage for major work like crowns, root canals, or dentures.
A good fit if you want everything in Value plus some help with bigger work.
Good to know: major services pay a small share, so expect to pay most of a crown yourself.
A good fit if you expect major work, or a child under 19 needs braces.
Good to know: braces are for children only. Implants aren't covered on any plan.
A good fit if you'd rather know your exact cost up front than pay a percentage.
Good to know: copays apply per procedure for basic and major work, and per visit for preventive care.
Illustrations using example costs at an in-network Aetna dentist. Actual costs vary by dentist and area. The filling and crown examples assume the $50 deductible hasn't been met yet.
An exam, a cleaning, and X-rays.
Preventive care pays 100% in network on every coinsurance plan.
A filling in your first year, a basic service.
A crown is a major service, which pays 50% from year 2.
A crown is a tier 2 major service. In network, you pay just the copay.
In year 1, the copay is $500.
Rotate your phone for a better view of this table.
| Benefit | Value | Plus | Prime | Copay Plans | |
|---|---|---|---|---|---|
| Plan | Value | Plus | Prime | Copay 1 | Copay 2 |
You can add vision to any dental plan for an extra premium, with two levels on the Avesis Vision network (98,000+ providers). Out-of-network benefits are available too. Not offered in Virginia.
| Benefit | Level 1 | Level 2 |
|---|---|---|
| Eye exam | $15 copay | $10 copay |
| Frames or contact lenses | Up to $130 every 24 months | Up to $200 every 12 months |
| Lenses | $25 copay every 24 months | $25 copay every 12 months |
| Progressive lenses | Up to $55 | Up to $135 |
| Polycarbonate lenses | Covered | Covered |
| Scratch coating, UV protection, tint | Discount | Covered |
| Anti-reflective, light-to-dark | Discount | Discount |
Straight answers about how Select Dental PPO works. Tap a question to open it.
On Value, Plus, and Prime, you pay a $50 deductible, then the plan pays a percentage of each bill. On the copay plans, there's no deductible: you pay a flat amount per visit or procedure at an in-network dentist, and the plan covers the rest of the negotiated price.
No, except one: Copay Plan 1 has a 6-month wait for major services. Everything else, on every plan, is covered from your first day.
The coinsurance plans reward staying on the plan. Plus pays 15% for major services in year 1 and 25% after. Prime pays 25%, then 50%. Fillings step up from 60% to 80%, and yearly maximums grow in years 2 and 3. If you need a crown soon, Copay Plan 2 may cost less in year 1.
Yes, but you'll pay less in the Aetna Dental Administrators network. Out of network, the coinsurance plans pay lower percentages, and on the copay plans you pay the copay plus anything above the plan's allowed amount. In some states, including Texas and Mississippi, there's no difference in what you pay out of network. Find an Aetna dentist.
Prime covers orthodontics for children under 19: 15% the first year, then 50%, up to $1,000. Adult braces aren't covered on any plan.
No. Implants and implant removal aren't covered on any Select Dental PPO plan. Teeth whitening and cosmetic work aren't covered either.
Not until you've been on the plan for 24 months. The same 24-month rule applies to replacing dentures that are less than 10 years old.
Yes. Plans cover individuals and families ages 0 to 64, and child-only plans are available. Fluoride treatments are for children under 18, and orthodontics on Prime is for children under 19.
Show your ID card at an in-network dentist to get the network price and benefits. You can find your ID card and plan documents in the Allstate Health Solutions member portal. Here's my step-by-step portal guide.
The plan is renewable until age 65, as long as you pay your premium and live in a state where it's offered.
No. These plans don't meet the ACA's pediatric dental requirement. If you need that, I can help you find a plan through the marketplace.
I'm Hamon R. Burkhardt, a licensed Health & Life insurance broker. I'll help you pick a plan based on the dental work you and your family expect, and check that your dentist is in network. No pressure, no fine print.
Preventive: exams, cleanings, X-rays, and fluoride (under 18). Basic: fillings, simple extractions, emergency treatment of pain, and denture adjustments. Major (coinsurance plans): crowns, oral surgery, gum treatment, root canals, dentures, and sedation for major work. Copay tier 1: oral surgery, gum treatment, sedation. Copay tier 2: crowns, root canals, bridges, inlays and onlays.
This is a summary. The policy lists all exclusions and limitations.
This guide summarizes Allstate's May 2026 Select Dental PPO brochure. Allstate Health Solutions is the marketing name for products underwritten by National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation. Dental network: Aetna Dental Administrators. Vision network: Avesis. It was prepared by Hamon R. Burkhardt, licensed Health & Life insurance broker (NPN 16713594), and is not an official Allstate document. It is not a contract. The policy's terms decide what is covered. © 2026 helpmehamon!