FAQ for Allstate Health Solutions
For over 80 years, National General offered supplemental and niche insurance products to individuals and businesses nationwide. On January 4, 2021, The Allstate Corporation closed on its acquisition of National General Holdings Corp., embarking on a new venture to add to Allstate’s wide range of consumer insurance products.
National General is now an Allstate company, rebranded as Allstate Health Solutions as of September 29, 2022. Allstate enjoys its own long history of offering individual and commercial products to help customers protect the things and people they care about most. As Allstate Health Solutions, we will continue the legacies of both organizations to provide people with a variety of high-quality products and services in the health insurance market.
Allstate Health Solutions offers a variety of individual and group products. For individuals and families, we offer short term health insurance and supplemental products, including dental coverage, fixed-benefit medical plans, and accident & critical illness insurance. For businesses, we offer self-funded group plans and supplemental products. We also offer Medicare Supplemental insurance, also called Medigap, to seniors who qualify for Medicare, as well as supplemental dental, vision and hearing plans for Medicare members.
Short term health insurance is health insurance that’s designed to bridge the coverage gaps in your life. These plans are ideal for people who are in transition, like young adults leaving their parents’ plans or new hires waiting for job-based benefits to take effect. They cover things like acute illnesses, accidents, emergency room visits and other unexpected medical events.
These plans tend to not cover pre-existing conditions, mental health care or prescription drugs (though some do), so they may not be right for you if you need a lot of healthcare or regular prescriptions. But for people who are fairly healthy and just need some financial protection during a transition period, short term policies can be a good fit.
Broadly speaking, supplemental insurance is insurance that’s designed to supplement a health plan, whether that’s a major medical policy or short term health insurance. Supplemental coverage pays you a set benefit for different scenarios, and these payments are typically cash benefits paid directly to you. If you have a critical illness policy, for example, and you get diagnosed with cancer, then you would get a cash benefit based on your policy terms. You could then use that cash benefit to offset medical bills, cover rent while you’re sick, get groceries or for whatever else you needed.
In other words, supplemental insurance doesn’t replace health insurance. It adds to it. Together, a health insurance plan and supplemental products can help shield you from the high cost of medical care.
The kind of health insurance you need will change throughout your life. When you’re younger and in flux – recently graduated from college, for example, or waiting for health benefits from a new job to kick in – you may benefit from a short term health plan to bridge the gap between major medical policies. As you get older, you might need more or different products to create a more comprehensive benefits package that fits your needs. And as a senior, someone aged 65+ and eligible for Medicare, you may benefit from a Medicare Supplement plan to offset the out-of-pocket costs under Original Medicare.
We offer products for every stage of life. So no matter where you are or your needs, we’ve got options that can help you create the healthcare coverage you deserve.
The great thing about short term health insurance and supplemental policies for people under 65 is that there are no enrollment periods. You can sign up any time, at any point in the year. Get a plan when you need one and change it if you need something different. These policies are flexible and convenient, designed to fit your life.
For people who are 65+ and on Medicare, there is a “best” time to enroll in a Medicare Supplement plan (also called Medigap), but it’s not the only time. The best time to enroll in Medigap is during your initial 6-month window that starts from the month you’re 65 and enrolled in Medicare Part B. During this 6-month open enrollment period, you can enroll in any Medigap plan that’s sold in your state. Outside of this window, you may still be able to get a Medicare Supplement plan, but the plan can use medical underwriting – looking at your health history and pre-existing conditions – to set rates. So while there’s a best time, it’s not the only time.
No, Allstate Health Solutions does not offer major medical policies or other health policies that meet the minimum essential benefits requirement of the Affordable Care Act, also known as Obamacare. For comprehensive benefits, visit Healthcare.gov or HealthcareMarketplace.com.
Allstate Health Solutions offers a variety of products to help you meet your coverage needs. If you’re under 65, you can shop our selection of short term health insurance plans and supplemental policies. Short term plans offer coverage for accidents, acute illnesses, emergencies and other unexpected medical events. Supplemental policies can help you offset the cost of medical bills – and everyday life – when those medical events occur. Supplemental plans also include dental, vision and life insurance coverage.
If you’re 65 or older and enrolled in Original Medicare – or you soon will be – then you have options for making the most of your government-sponsored health insurance. Original Medicare does not cover all out-of-pocket costs. And those costs add up quickly. Allstate Health Solutions offers Medicare Supplemental insurance to help you offset the costs of Original Medicare. Plans vary in what they cover, but all Medicare Supplement plans cover, at minimum, both the Part A and Part B coinsurance or copayment.
We also offer supplemental policies for seniors that help pay for routine dental, vision and hearing services, with access to a wide network of providers as well as discounts on hearing devices.
For businesses, Allstate Health Solutions offers self-funded group plans as well as supplemental benefits. Supplemental coverage includes products such as dental, vision, life, accident, critical illness, and hospital indemnity. We’ve designed a slate of employer-based healthcare products to help you attract and maintain a satisfied workforce.
