Dental
Healthy smiles start here
Give your teeth the TLC they deserve. Allstate offers dental coverage through Aetna, with options to help you stay on top of routine care and manage costs when you need more than a cleaning. Both dental options cover preventive services, like exams and cleanings, at 100%.
Good life tip
Both plans include free in-network preventive care — up to two exams and four cleanings a year.
Dental PPO
You can use any dentist you like. You’ll generally get more coverage when you use a dentist in Aetna’s PPO network, but you also have the option to go out of network.
Dental DMO
You must use a Primary Care Dentist from Aetna’s DMO network for regular exams and cleanings. A referral is required from your Primary Care Dentist for specialty care from an in-network dentist, and there is no coverage for out-of-network dentists.
Good if you want:
- Flexibility to use any dentist while saving more with in-network providers
- Access to in-network and out-of-network coverage
- Coverage for preventive, minor restorative, major restorative and orthodontic services for eligible children under age 20
Good if you want:
- No deductible
- Lower costs for some services, as long as you use the DMO network
- Orthodontic coverage for children and adults
- Are comfortable choosing a Primary Care Dentist before you enroll
Dental PPO
You can use any dentist you like. You’ll generally get more coverage when you use a dentist in Aetna’s PPO network, but you also have the option to go out of network.
Good if you want:
- Flexibility to use any dentist while saving more with in-network providers
- Access to in-network and out-of-network coverage
- Coverage for preventive, minor restorative, major restorative and orthodontic services for eligible children under age 20
Dental DMO
You must use a Primary Care Dentist from Aetna’s DMO network for regular exams and cleanings. A referral is required from your Primary Care Dentist for specialty care from an in-network dentist, and there is no coverage for out-of-network dentists.
Good if you want:
- No deductible
- Lower costs for some services, as long as you use the DMO network
- Orthodontic coverage for children and adults
- Are comfortable choosing a Primary Care Dentist before you enroll
Before you enroll
A little checking now can save you hassle later.
- Confirm your dentist is in the right network. This is especially important if you’re considering the DMO, since you must use a Primary Care Dentist from Aetna’s DMO network.
- Think about how you use dental care. If you want more provider flexibility, the PPO may be worth a closer look. If you are comfortable with a network-based model and the DMO is available to you, compare the details.
- Review orthodontic coverage. The PPO covers orthodontic services only for children under age 20, while the DMO includes orthodontic coverage for children and adults.
