Allstate Dental Copay Plan 2: No Waiting Period Dental Insurance in Texas
Allstate Select Dental PPO - Copay Plan 2
No waiting periods. No annual maximum - not even on major services. Crowns, root canals and bridges are covered from your effective date with a flat copay and no deductible.
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Enter your coverage start date, ZIP code, date of birth and gender in the form below to see Allstate Copay Plan 2 and the other Allstate dental plans available where you live. Getting a quote is free and does not sign you up for anything.
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No Waiting Period Dental Insurance That Covers Major Work Right Away
Most individual dental insurance plans in Texas make you wait 6 to 12 months before they pay for a crown, then cap what they will pay at $1,000 to $3,000 a year. That is exactly when people need coverage the most - a cracked tooth, a failed filling, a crown your dentist says cannot wait.
Allstate Health Solutions built Copay Plan 2 for that situation. There is no waiting period on any service and no annual benefit maximum, so the plan keeps paying on major work no matter how much treatment you need in a year. Instead of coinsurance and a deductible, you pay a flat, known copay per procedure.
No Waiting Periods
Preventive, basic, major tier 1 and major tier 2 services all start on your effective date. The standard Copay plan makes you wait six months for major services.
No Annual Maximum
There is no annual benefit maximum - even on crowns, root canals and bridges. The standard Copay plan stops paying at $3,000 per person per plan year.
Copays Drop in Year Two
Tier 2 major services like crowns fall from a $500 copay in year one to $350 in year two. Basic services drop from $100 to $50, and preventive care is $0 both years.
Allstate Copay Plan 2 vs. Allstate Copay Plan
Allstate offers two copay designs on the Select Dental PPO. Both use the same Aetna Dental Administrators network and neither has a deductible. The difference is what matters when you need major work soon.
| Service | Allstate Copay Plan | Allstate Copay Plan 2 - Recommended for Major Work | |||
|---|---|---|---|---|---|
| Copay | Waiting period | Copay - year 1 | Copay - year 2 | Waiting period | |
| Preventive services | $50 per visit | None | $0 | $0 | None |
| Basic services | $50 per procedure | None | $100 | $50 | None |
| Major services (tier 1) | $50 per procedure | Six months | $125 | $75 | None |
| Major services (tier 2) - crowns, root canals, bridges | $250 per procedure | Six months | $500 | $350 | None |
| Annual maximum | $3,000 per person per plan year | No maximum | |||
| Deductible | None | None | |||
| Network | Aetna Dental Administrators | Aetna Dental Administrators | |||
Source: Allstate Health Solutions Select Dental PPO brochure (AHS_SD_1058-3). Preventive copays apply per visit; basic and major copays apply per procedure. Benefits, exclusions and limitations are governed by the policy.
Need a Crown This Week? How to Get Covered Fast
If your dentist has already told you that you need a crown, a waiting period is the difference between paying a copay and paying the full bill. With most dental insurance you would pay out of pocket for the next six to twelve months. With Allstate Copay Plan 2 there is no waiting period on crowns, so here is the fastest path:
- Apply for Copay Plan 2 today - online through our Allstate dental quote page, or call (972) 666-0578 and a licensed Texas agent will help you pick the earliest effective date available.
- Book the crown on or after your effective date. Treatment rendered before the effective date is not covered, so do not start the crown prep until your policy is in force.
- Use an Aetna Dental Administrators dentist if you can. Your copay is the same in or out of network in Texas - $500 per crown in year one, $350 in year two - but network dentists have agreed to discounted fees, which helps you avoid a balance bill.
- No cap to worry about. Need two crowns and a root canal? Each is a separate tier 2 copay, and there is no annual maximum to run through.
The copay is also waived for a post and core or core buildup done in addition to a crown, and for deep sedation or general anesthesia during major services.
What Allstate Copay Plan 2 Covers
Preventive - $0 copay
- Evaluations and exams
- Cleanings
- Fluoride treatments
- Bitewing and full-mouth X-rays
Basic - $100, then $50
- Amalgam and resin-based composite fillings
- Simple extractions
- Emergency treatment of dental pain
- Consultations
- Denture adjustments and repairs
Major Tier 1 - $125, then $75
- Oral surgery
- Periodontics (gum treatment)
- Composite fillings
- Deep sedation or general anesthesia for major services
Major Tier 2 - $500, then $350
- Crown services
- Endodontic therapy (root canals)
- Fixed prosthodontics and bridges
- Fixed partial denture pontics
- Inlays and onlays
Aetna Dental Administrators Network
Both Allstate copay plans use the Aetna Dental Administrators PPO network - about 89,000 providers nationwide, according to Allstate. Texas is a passive network state, which means there are no cost-sharing differences between in-network and out-of-network dentists: your copay is the same either way. Network dentists have agreed to discounted fees. Out of network, the plan pays the maximum allowable amount and you pay the copay plus any remaining balance, so check the provider finder below to see whether your dentist participates.
Frequently Asked Questions
Is there really no waiting period on Allstate Copay Plan 2?
Yes. Copay Plan 2 has no waiting period on preventive, basic, major tier 1 or major tier 2 services. Covered services, including crowns and root canals, are covered from your policy effective date. The standard Allstate Copay plan has a six-month waiting period on major services.
Does Allstate Copay Plan 2 have an annual maximum?
No. Copay Plan 2 has no annual benefit maximum, even on major services. The standard Copay plan caps benefits at $3,000 per person per plan year.
How much does a crown cost with Allstate Copay Plan 2?
Crowns are a major tier 2 service. You pay a $500 copay per procedure in year one and a $350 copay per procedure in year two, with no waiting period. The copay is waived for a post and core or core buildup done in addition to the crown.
Can I get dental insurance that covers a crown this week?
Copay Plan 2 covers crowns with no waiting period, so a crown done on or after your policy effective date is covered at the tier 2 copay. Treatment rendered before your effective date is not covered, so apply first and schedule the crown for on or after the effective date. Call (972) 666-0578 and we will find the earliest effective date available to you.
Is there a deductible on the Allstate dental copay plans?
No. Both Allstate Select Dental PPO copay plans have no deductible. You pay a flat copay per visit for preventive care and a flat copay per procedure for basic and major services.
What dental network do the Allstate copay plans use?
Both copay plans use the Aetna Dental Administrators network. Texas is a passive network state, so your copays are the same whether or not your dentist is in the network. In-network dentists have agreed to discounted fees; out of network, the plan pays the maximum allowable amount and you pay the copay plus any remaining balance.
Who can enroll in Allstate Copay Plan 2 in Texas?
Individual and family plans are available to Texas residents ages 0 to 64, and coverage is renewable to age 65. Copay Plan 2 is available in Texas.
Compare Other Texas Dental Insurance Options
Get Covered for Crowns Without the Wait
No waiting periods and no annual maximum. Quote Allstate Copay Plan 2 online, or talk it through with a licensed Texas agent first.
Allstate Health Solutions is the marketing name for products underwritten by National Health Insurance Company, Integon National Insurance Company, Integon Indemnity Corporation and American Heritage Life Insurance Company. National Health Insurance Company underwrites products for sale in Texas. This plan provides limited benefits and is not intended to cover all dental expenses. It does not meet the pediatric dental coverage requirements of the Affordable Care Act. This page is a summary only - benefits, exclusions and limitations are governed by the Outline of Coverage and the policy. Plans, copays and premiums are subject to change and not available in all states. Copay Plan 2 is not available in CA, ID, MO, OH, OR or PA.