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Allstate’s supplemental health plans help bridge the gaps in your primary health coverage by providing cash benefits for unexpected medical events, such as accidents, hospital stays, or critical illnesses. These plans pay you directly, allowing flexibility to cover expenses like deductibles, copays, household bills, or childcare. Note that Allstate sold its group health business to Nationwide effective July 1, 2025, but individual plans and some supplemental offerings continue. Explore our 2025 offerings, including updated benefits, potential payouts, and plan comparisons to select the right protection for you and your family.
Allstate Chiropractic Coverage
Allstate accident insurance covers chiropractic treatments for accident-related injuries, paying benefits for visits within a specified period post-incident. Typical payouts range from $25-$35 per visit, up to a maximum of 10 visits per accident, depending on the plan. Coverage helps with structural adjustments following accidents like falls or strains, aiding in pain relief and recovery without out-of-pocket strain. This benefit is particularly useful for soft tissue injuries, ensuring you can access non-invasive care promptly.
Does Allstate Cover Braces?
Allstate accident plans cover medical appliances like braces for injury support at $100-$125 per appliance. This can help reduce costs for injury-related orthopedic needs, making supportive braces more accessible for recovery from accidents. Dental plans may also cover orthodontia, but specifics vary.
How Much Does Allstate Pay for Surgery?
Under accident insurance, Allstate pays lump sums for surgeries due to covered accidents, ranging from $250 for arthroscopic or miscellaneous to $1,000 for open abdominal or thoracic surgery. In critical illness, lump sums apply if surgery relates to covered conditions like coronary bypass (25% of benefit). These payments are made directly to you, helping cover surgical fees, anesthesia, or related travel expenses not handled by primary insurance. Always verify specific procedures in your policy schedule.
Allstate Pregnancy Payout
Hospital indemnity covers maternity hospital stays, with benefits for admission ($1,000-$1,500) and confinement ($200-$300 per day). Short-term disability may cover maternity leave, replacing 60%-66% of income for 6-8 weeks post-delivery. This supports new parents by easing financial burdens during this time, including coverage for complications.
| Pregnancy Event | Payout (Example) |
|---|---|
| Vaginal Delivery Admission | $1,000 |
| Cesarean Delivery Admission | $1,500 |
Allstate Herniated Disc Coverage
Accident insurance covers treatment for herniated or ruptured discs if injury-related, with payouts of $500 for surgical repair. Hospital indemnity adds if hospitalization occurs. This coverage is crucial for sudden back issues from accidents, providing funds for medical interventions and rehabilitation.
| Procedure | Basic | Enhanced |
|---|---|---|
| Ruptured Disc Surgery | $500 | $500 |
Allstate Accident Insurance Payout
Covers 24/7 for injuries on or off the job, including ER visits, surgeries, and follow-up care. Benefits help with deductibles and copays. This plan is designed for unpredictable events, offering peace of mind for active lifestyles. Payouts are lump-sum, usable for any purpose, from medical bills to lost wages.
Example:
A sports injury requiring ER and surgery might pay $2,000 total ($100 ER treatment, $500 surgery, $1,400 hospital). The cash can be used flexibly for any needs arising from the accident.
Does Allstate Pay for Sprains?
Yes, accident insurance covers sprains with benefits for treatment, such as $100-$300 for minor injuries, plus physical therapy at $25 per session if needed. Sprains from twists or falls are common, and this payout helps cover doctor visits, braces, or rehab sessions promptly. Coverage extends to related hospital or therapy costs.
Allstate Cancer Insurance
Critical illness insurance covers invasive cancer at 100% of lump sum ($5,000-$30,000), carcinoma in situ at 25%. This specialized coverage focuses on the high costs of cancer care, including experimental treatments or travel to specialists. Recurrence benefits may apply after 6 months.
Example:
Cancer diagnosis could yield $5,000-$30,000 lump sum, alleviating financial toxicity during treatment.
Allstate Serious Illness Insurance
Critical illness insurance pays lump sums for heart attacks, strokes, etc., usable for any expenses. It acts as a financial safety net for life-altering diagnoses, with multiple payouts possible for recurrences.
Example:
Heart attack might pay $10,000-$30,000, covering recovery costs like home modifications or lost income.
Allstate Life Insurance
Offers term and whole life, with options for critical illness riders adding extra payouts (e.g., up to 90% of death benefit for critical illnesses). This ensures beneficiaries are protected, with options for payroll deduction for convenience.
Allstate Stitches Coverage
Accident insurance pays for lacerations requiring stitches, based on length ($25-$400). Payments are quick, helping with ER bills immediately. Coverage applies within 72 hours of the accident for qualifying treatments.
| Laceration (Within 72 Hours) | Basic | Enhanced |
|---|---|---|
| Less than 5 cm | $50 | $50 |
| 5 to 15 cm | $200 | $200 |
| Over 15 cm | $400 | $400 |
| No Stitches | $25 | $25 |
Allstate Crutches Coverage
Accident insurance includes benefits for mobility aids like crutches, typically $100-$375. This aids recovery from leg injuries by covering equipment costs. Durable medical equipment benefits extend to wheelchairs and braces as well.
| Equipment | Payout |
|---|---|
| Crutches | $100 |
Allstate Short-Term Disability Payout
Replaces 60%-70% of income for up to 26 weeks, with elimination periods of 7-14 days. Ideal for temporary illnesses or injuries preventing work, including maternity leave. Benefits coordinate with other income sources for comprehensive support.
| Benefit | Details |
|---|---|
| Weekly Benefit | 60-70% of earnings |
| Duration | Up to 26 weeks |
| Elimination Periods | 7/14 days |
Allstate Chiropractic Visits Payout
Pays per visit for accident-related care at $25-$35 per session, up to 10 visits. Helps manage ongoing pain from injuries. Focuses on rehabilitation after accidents.
| Visit Type | Payout |
|---|---|
| Initial Visit | $25 |
| Follow-up Visits | $25 each |
Allstate Blood Work Coverage
Wellness benefits may cover preventive blood tests, up to $75 annually. Encourages regular health checks for early detection. Part of the health screening benefit, reimbursing eligible tests like cholesterol or diabetes screenings. Accident insurance covers blood transfusions at $100.
| Treatment | Payout |
|---|---|
| Blood Tests (Wellness) | Up to $75 |
| Blood/Plasma/Platelets | $100 |
Allstate Torn Rotator Cuff Coverage
Accident insurance pays for surgical repair, typically $500. Supports shoulder injury recovery from sports or falls. Includes therapy benefits post-surgery for full rehabilitation.
| Treatment | Payout |
|---|---|
| Surgical Treatment | $500 |
Allstate Hysterectomy Coverage
Hospital indemnity pays for admission and confinement; critical illness if related to cancer. Covers major procedures with cash benefits like $1,000 for admission. Includes daily confinement payouts during recovery.
| Procedure | Payout |
|---|---|
| Hysterectomy Admission | $1,000 |
Allstate Broken Tooth Coverage
Accident insurance covers emergency dental work like crowns ($150) or extractions ($50). Essential for accidental dental damage. May add lump-sum for ER treatment.
| Treatment | Reimbursement |
|---|---|
| Crown Repair | $150 |
| Extraction | $50 |
Allstate Anesthesia Coverage
Included in surgery benefits under accident plans, with 25% for local anesthesia. Reduces costs for procedures requiring sedation. Often bundled with surgical indemnity benefits.
| Procedure | Payout |
|---|---|
| Surgical Anesthesia | 25% of Surgical |
Does Allstate Work with Medicaid?
Yes, supplemental plans complement Medicaid by covering non-medical costs during illnesses or accidents. They fill gaps where Medicaid may not cover extras like travel or lost wages. Ideal for low-income families seeking additional protection.
Allstate Health Insurance Offerings
- Accident Insurance: Covers injuries.
- Hospital Indemnity: Pays for stays.
- Critical Illness: Lump sums for diagnoses.
- Cancer: Treatment benefits (included in critical illness).
Allstate Back Injury Coverage
Accident insurance covers equipment and treatment for back injuries, including $100 for appliances like braces. Provides support for common workplace or accidental strains, including therapy and braces. Benefits extend to related hospitalizations.
| Equipment | Payout |
|---|---|
| Wheelchair | $100 |
| Back Brace | $100 |
| Walker | $100 |
Allstate Group Accident Insurance Payout
Family coverage for accidents, with benefits for treatment and hospital. Extends protection to spouses and children. Includes accidental death and dismemberment up to $60,000.
Emergency Treatment Benefit
Pays $100 for ER within 24 hours.
| Hospital Benefits | Member | Spouse | Child |
|---|---|---|---|
| Hospital Admission | $1,000 | $1,000 | $1,000 |
| Hospital Confinement (Per Day) | $200 | $200 | $200 |
| ICU (Per Day) | $400 | $400 | $400 |
Is Allstate Group Accident Insurance Worth It?
For active families or risky jobs, it provides essential coverage for unexpected costs, making it a valuable addition to primary insurance. The low premiums often outweigh potential out-of-pocket expenses in accidents.
Allstate Dental Insurance
Covers preventive, basic, and major services with savings in-network. Promotes oral health with no or low deductibles. Accident insurance adds dental for injuries ($50-$150).
| Procedure | Reimbursement |
|---|---|
| Preventive Care | 100% |
| Basic Treatment | 80% |
| Major Treatment | 50% |
Allstate Vision Insurance
Covers exams, eyewear with savings. Includes discounts on LASIK. Accident insurance covers eye injuries ($50-$250).
| Service | Reimbursement |
|---|---|
| Eye Exam | 100% |
| Glasses/Contacts | Up to 60% savings |
| Eye Surgery (Injury) | $250 |
Allstate Wellness Benefit
Critical illness and accident plans offer $50-$75 annually for screenings like mammograms or blood tests. Incentivizes preventive care to catch issues early. Covers over 20 health screenings, including immunizations and hearing tests.
Allstate Diabetes Coverage
Critical illness may pay lump sums for complications like end-stage renal failure (100%). Helps manage chronic condition flares. Wellness includes blood glucose tests.
Allstate Heart Attack Coverage
Critical illness insurance provides a full lump-sum benefit upon diagnosis, 100% of face amount ($5,000-$30,000), with recurrence benefits after 6 months. Covers angioplasty and related treatments. Use funds for rehab, medications, or daily expenses during recovery.
Allstate Stroke Coverage
Pays 100% of face amount for stroke, with potential for multiple payouts up to total benefit limit. Supports therapy and home care costs. Diagnosis requires neurological deficit lasting over 24 hours.
Allstate Burns Coverage
Accident insurance pays based on degree and body surface area, $100-$1,000 for 2nd degree, $200-$10,000 for 3rd degree. Includes skin grafts at 50% additional. Essential for severe injury recovery, covering prosthetics if needed.
Allstate Concussion Coverage
Provides $150 for diagnosis and treatment following an accident (via major diagnostic exams like CT/MRI), plus ER benefits. Covers follow-up CT scans and therapy. Helps with cognitive rehab for sports or fall-related incidents.
Allstate Fracture Coverage
Lump-sum for broken bones, $200-$6,000 based on type (e.g., hip $6,000 open, $2,000 closed). Chip fractures at 25%. Paid once per accident, aiding cast, surgery, or rehab costs.
Allstate Dislocation Coverage
Pays $100-$6,000 for joint dislocations like shoulder or knee, with partial for reductions. Covers relocation procedures. Partial dislocations at 25%, supporting immediate medical needs.
Payout Calculator
Use Allstate’s online tools or contact a benefits counselor to calculate potential payouts based on your plan and scenario. Factors include benefit amount, condition severity, and treatment type.
Plan Comparison
Compare features to find the best fit for your needs.
| Feature | Basic | Enhanced |
|---|---|---|
| Hospital Admission | $1,000 | $1,500 |
| Surgery Benefit | $250-$500 | $500-$1,000 |
| Accident Treatment | Up to $1,000 | Up to $3,000 |
| Wellness Benefit | $50 | $75 |
Frequently Asked Questions
How do I file a claim with Allstate?
File online or call 1-800-521-3535; claims processed quickly. Provide documentation like bills or diagnosis reports for swift approval.
Does Allstate cover pre-existing conditions?
Some plans have 6-12 month exclusions for pre-existing conditions. Review policy disclosures carefully, especially for critical illness.
How do I renew my Allstate policy?
Policies are guaranteed renewable if premiums paid; contact Allstate or your employer. Automatic renewals for group plans.
Customer Testimonials
Sarah L., Office Worker:
“Allstate’s accident insurance paid $2,500 for my daughter’s sports injury, covering ER and follow-up quickly.”
John M., Manager:
“After a critical illness, Allstate’s lump-sum payment of $20,000 helped with bills during recovery.”