Medical
Healthcare, your way
Taking care of your health shouldn’t be complicated — and neither should choosing a medical plan. Allstate offers several medical options so you can choose the plan that fits how you use care. From routine checkups and preventive care to the “just-in-case” stuff you hope you never need (but we’ve got your back if you do), it’s all here.
All benefits-eligible employees can choose between three national plans. Depending on where you live, you might also have access to Kaiser HMO options.
Good life tip
Before you compare costs, think about how you and your family use care. Do you mostly need preventive care and occasional visits, or do you expect more frequent doctor visits, prescriptions or specialist care? Take a look at some key terms before you review the details.
Allstate UHC Surest
A no-deductible option with provider-specific copays that pairs with a Health Care Flexible Spending Account (FSA)
Allstate Select
A more predictable option with fixed in-network copays that pairs with a Health Care Flexible Spending Account (FSA)
Good if you mostly need an annual checkup and the occasional “not feeling great” visit, want to pay less from your paycheck and like the idea of saving tax-free.
- Higher deductibles than other Allstate Medical options, but with a lower paycheck cost.
- Boost your Health Savings Account (HSA) by stashing away pre-tax dollars for medical expenses, now or down the road.
- You can also use a Limited Use Health Care Flexible Spending Account (FSA) for dental and vision expenses.
- Powered by the Blue Cross Blue Shield network.
- Find top-rated, in-network doctors through Garner Health and get reimbursed for visit costs, up to $1,000 per year.
Good if you like to shop around and want the flexibility to mix and match providers to get the best value.
- Copays vary by provider and service, letting you shop around on the Surest app and choose what’s best for you before locking in your appointment.
- No deductibles, but a higher paycheck cost and out-of-pocket max compared to Allstate Value.
- Powered by the United Healthcare network. Learn more about UHC Surest.
Good if have frequent doctor visits or manage a chronic condition and like knowing exactly what you’ll pay.
- Fixed in-network copays for doctor’s visits and prescriptions and a lower deductible than Allstate Value, though it comes with a higher paycheck cost.
- Powered by the Blue Cross Blue Shield network.
- Find top-rated, in-network doctors through Garner Health and get reimbursed for visit costs, up to $1,000 per year.
Allstate Value
A lower paycheck cost option that pairs with a Health Savings Account (HSA)
Good if you mostly need an annual checkup and the occasional “not feeling great” visit, want to pay less from your paycheck and like the idea of saving tax-free.
- Higher deductibles than other Allstate Medical options, but with a lower paycheck cost.
- Boost your Health Savings Account (HSA) by stashing away pre-tax dollars for medical expenses, now or down the road.
- You can also use a Limited Use Health Care Flexible Spending Account (FSA) for dental and vision expenses.
- Powered by the Blue Cross Blue Shield network.
- Find top-rated, in-network doctors through Garner Health and get reimbursed for visit costs, up to $1,000 per year.
Allstate UHC Surest
A no-deductible option with provider-specific copays that pairs with a Health Care Flexible Spending Account (FSA)
Good if you like to shop around and want the flexibility to mix and match providers to get the best value.
- Copays vary by provider and service, letting you shop around on the Surest app and choose what’s best for you before locking in your appointment.
- No deductibles, but a higher paycheck cost and out-of-pocket max compared to Allstate Value.
- Powered by the United Healthcare network. Learn more about UHC Surest.
Allstate Select
A more predictable option with fixed in-network copays that pairs with a Health Care Flexible Spending Account (FSA)
Good if have frequent doctor visits or manage a chronic condition and like knowing exactly what you’ll pay.
- Fixed in-network copays for doctor’s visits and prescriptions and a lower deductible than Allstate Value, though it comes with a higher paycheck cost.
- Powered by the Blue Cross Blue Shield network.
- Find top-rated, in-network doctors through Garner Health and get reimbursed for visit costs, up to $1,000 per year.
Dive into the details
Ready to compare the numbers? Review the full plan summary chart to see how the national medical options stack up for deductibles, out-of-pocket maximums and common medical services.
Other medical plan options
If you live in California, Colorado, District of Columbia, Georgia, Maryland, Oregon, Virginia or Washington, you may also be able to enroll in a Kaiser HMO option.
If you live in Hawaii, Kaiser Hawaii is the only medical option available.
Good life tip
Live in a Kaiser service area? Take a closer look at the HMO options before you choose. HMOs work differently than the national options, so it’s important to understand what’s available where you live and how the plan pays for care.
The three national plans differ in how you pay for care, but each option gives you access to built-in support for preventive care, prescriptions, virtual visits and additional care resources.
With any national medical option, you’ll have access to:
- Preventive care covered at 100% in-network for eligible exams, immunizations and recommended screenings.
- Prescription coverage through Transcarent.
- Virtual care at no cost to you through Teladoc Health for urgent care and primary care needs.
- Support finding high value care. If you’re enrolled in Allstate Value or Allstate Select, use Garner Health to find top-rated in-network providers and you may be reimbursed up to $1,000. If you’re enrolled in Allstate UHC Surest, use the Surest app or website to compare provider.
- Additional support for specific health needs, including Hinge Health, Progyny, and Leap Health.
Getting care
The right care at the right place can save you time and money. Start by using Garner Health or Surest (depending on your plan) to find a provider and reduce your costs. And remember to join the “in crowd” – stay in-network whenever you can for the lowest costs.
Good life tip
Not every health issue needs the ER. Virtual care, your primary care provider or urgent care may be a better place to start, depending on what’s going on.
