Allstate Health Solutions

Allstate Health Solutions: Protect Your Health & Finances During Medical Events

Allstate Health Solutions offers versatile, cost-effective supplemental plans that help you manage health costs while ensuring quality care access. These plans are technically not health insurance, rather indemnity supplemental plans that help fill the gaps from Comprehensive Health Insurance that is normally found on the ACA Marketplace. For example most Marketplace plans have upwards to $9500 Annual out-of-pocket max. Part of that is the annual deductible you must meet before they pay for anything and then they split the bill using co-insurance until you reach your annual max which they will then cover the bill 100% until it resets the next year. These plans will ensure you can meet these out-of-pocket max so that your main insurance you’re paying for will actually kick in. Most people don’t have $10,000 sitting around to use for these out-of-pocket expenses so that’s why these affordable supplementals are crucial to have part of your bundle. These plans can be purchased anytime throughout the year, can be used anywhere nationally and some of them require no underwriting *These plans do not meet the definition of Minimum Essential Coverage under the Affordable Care Act.

Here’s a quick overview of the plans available to help safeguard your finances from medical events:

1. Fixed Benefit Indemnity

These core plans provides essential medical coverage with a fixed cash benefit structure, meaning you receive direct payments to use as needed for medical costs. Again, these cash benefits are paid directly to you the patient after your claim is approved. These benefits can help cover the cost of deductibles and out-of-pocket expenses that your Comprehensive Plan requires before kicking in. Most of these plans feature the robust national Aetna Network with Enhanced PPO options, these plans cover major health expenses and allows you to choose a plan option that fits your needs & budget. There is typically a 12-month waiting period for pre-existing conditions; however, these plans ensures predictable day 1 cash benefits for new injury and sickness events. Some plans may have a short waiting period for preventative maintenance (sometimes 90 days), some don’t. Please read the Plan Brochure as every plan has different benefits, limitations and exclusions. Note: With most plans, Pregnancy and severe mental health services are not usually included.

2. Short-Term Medical Plan

One of the best Short Term Medical Plans in the industry. Ideal for short-term needs (usually 3 month Terms with renewal options), this plan provides customizable coverage with your choice of deductible and even offer 100% coinsurance. Pre-existing conditions are not covered, but you’ll benefit from quick, budget-friendly support on day 1 for unexpected health events. This plan is especially valuable if you need immediate coverage without waiting periods.

3. Supplemental Coverage Plans

Allstate has some of the best supplemental options that add a financial safety net, helping to fill gaps in your primary insurance. Allstate Health Solutions offers high-quality supplemental products, including:

Dental, Vision & Hearing (DVH): Covers preventative and major services to support your DVH needs affordably. Basic Plans will pay for themselves from BI-Annual Cleanings. Comprehensive coverage helps lighten the load for orthodontics and other dental repairs.
Accident Medical Expense (AME): Pays cash benefits (up to $25K) directly to you for accident-related expenses, reducing the financial impact for meeting your main health plans deductible and other out-of-pocket expenses.
Critical Illness (CI): Provides larger (up to $75K) lump-sum payments directly to you for severe conditions like heart attacks, stroke, or cancer. Helps with loss of income due to out of work recovery.

These supplementals can be used with any insurance plan to further protect you and your finances, covering expenses not included in standard health insurance. You can actually buy these plans individually even if you don’t have health insurance. Everyone should have these very affordable plans in their health insurance bundle.

I Highly recommend everyone look at an Accident Medical Expense Plan, Hospital Expense Plan (under Fixed Indemnity), Critical Illness Plan & basic dental plan.

Your teeth are very important, keep them clean every 6 months.
AME plans will help cover medical deductible from accidents.
Hospital Expense plan will help cover medical deductible from illness or sickness that requires the hospital.
Critical Illness Plan will pay you large sums of money if you have a heart attach, stroke or cancer, which is great for living expenses when you’re out of work recovering.

These plans together are well worth their weight when you are faced with medical bills you cannot pay and now you can’t pay your normal bills and you may face bankruptcy.

You can currently shop, quote & apply right here is you live in these states:
WA, AZ, NM, TX, OK, NE, MI, OH, TN, SC, FL

Not all Allstate Health Solutions Products are available in every state. Fill in your info and find what products are available for you.

Feel free to contact me anytime for No Pressure Assistance.