Is Allstate Health Insurance Good for You? Find Out

Curious whether a familiar name fits your coverage needs — or if you should look elsewhere?

This brief guide lays out what the company offers now for individuals and families, where it shines, and where limits may matter to you.

Allstate Health Solutions sells short-term medical, accident, critical illness, and dental plans and supports over 350,000 members through 49,000+ agents and brokers nationwide.

Medicare Supplement sales have largely paused in many states as of February 2025, though existing Medigap members can keep or leave their plans. Market share for Medigap is small (~0.17%, about 44,000 beneficiaries), and complaint rates for Medigap run much higher than the industry norm.

We’ll weigh benefits, coverage breadth, customer support, and cost. That includes notes on member benefit spending (about 94.2% of premiums) and modest extras like fitness or hearing discounts via Amplifon.

For a deeper look at Medigap specifics, see this Allstate Medicare Supplement review.

Key Takeaways

• Offers strong individual products for short-term medical, accident, critical illness, and dental.
• Large agent network helps find local options and discounts.
• Medigap sales have largely stopped in many states as of Feb 2025; existing members may remain enrolled.
• Small Medigap market share and higher complaint rates are important red flags to review.
• High benefit spending suggests most premiums go to member care rather than overhead.

Quick verdict: Who Allstate Health Solutions may be good for right now

If you need quick-start coverage and plenty of agent support, this provider offers flexible short-term and supplemental plans across the U.S.

Best fits: shoppers who want flexible plans that can begin quickly, such as short-term medical or supplemental products. A large appointed agent network helps compare quotes and find local options.

Also a match for: families who prefer agent-led comparisons and small employers exploring self-funded group solutions through Allstate Benefits. Bundling and stackable discounts can help lower costs.

Less ideal if: you’re a new Medicare beneficiary seeking Medigap sales in many states, since new Medigap policies are limited now. Those with complex ongoing care should verify networks and specialty coverage across multiple companies.

Allstate Health Solutions at a glance: Products, brands, and how it works

This division focuses on short-term medical, accident, critical-illness, and dental options for individuals and families, while supporting a broad agent network.

Individuals, seniors, and businesses: how the lines differ

Allstate Health Solutions centers on individual and family plans — short-term medical, accident, critical-illness, and dental. These products aim to fill gaps or provide targeted benefits rather than long‑term comprehensive coverage.

Allstate Benefits targets employers with self-funded group arrangements, stop-loss support, and supplemental offerings that help control costs and simplify claims administration.

Availability, agents, and nationwide presence

Availability varies by state and by product line; state rules can limit new Medigap sales in many areas. Verifying local policy details and effective dates helps avoid surprises.

A nationwide network of over 49,000 agents and brokers supports plan selection, explains policy trade-offs, and can provide a personalized quote for specific needs.

• Core products address short-term gaps and targeted supplemental benefits.
• Seniors should confirm Medigap availability where they live.
• Employers gain tools for self-funded plans and claims management.

Is allstate health insurance good

Evaluating a carrier means weighing coverage, costs, network access, and member service together.

What “good” means: coverage, costs, network, and service

Ratings and data matter. NAIC figures show Medigap complaint rates roughly 190% higher than the industry average for 2022–2023. At the same time, reported benefit spending sits around 94.2% of premiums, which indicates most premium dollars go to care rather than overhead.

Plan selection has narrowed: new Medigap sales have ended in many states, and extras are limited to modest perks like a fitness discount and Amplifon hearing savings.

Costs vary by product. Short-term and supplemental plans can be competitive, especially when discounts stack, but Medigap pricing has trailed cheaper rivals in some comparisons.

Service and experience are mixed. Higher complaint indexes signal friction for some members, while a strong medical loss ratio suggests claims payments are robust for others.

• Ask for documented data—complaint trends, MLR, and state availability—before you buy.
• Balance coverage scope, network fit, service reputation, and total costs when choosing a plan.

Coverage options for individuals and families

If you need temporary protection or targeted cash benefits after a diagnosis, several plan types aim to limit out-of-pocket risk.

Short-term medical plans: gap coverage and eligibility

Short-term medical can start year-round and run for flexible durations. These plans help between jobs or while awaiting other policies.

They are not comprehensive ACA insurance plans and often exclude preexisting conditions. Review eligibility rules and benefit caps before you enroll.

Supplemental products: accident and critical illness benefits

Accident and critical-illness products pay fixed benefits when covered events occur. That cash can offset deductibles, coinsurance, or nonmedical bills.

Consider stacking these products to target specific risk areas and check multi-product discounts.

Dental plans: preventive and major care options

Dental options usually cover preventive care and offer tiers for basic and major services. Confirm waiting periods, annual maximums, and participating providers.

Medicare-related coverage: current options and limitations

New Medigap sales have stopped in many states; legacy policies like A, G, N, and some F remain for existing members. Extras have included fitness and Amplifon hearing discounts.

Tip: Ask your provider about network participation and request a standardized benefits summary to compare policies, premiums, and likely pocket costs.

• Evaluate total costs beyond premiums: deductibles, copays, and balance bills.
• Request documented summaries to compare similar products side by side.

Medicare Supplement update: Availability, pricing, and recent changes

Recent changes mean new Medicare Supplement sales have stopped in many parts of the country, and timelines differ by state.

Sales status: New Medigap policies are no longer offered in many states. Existing members may keep their plans, but this change does not create guaranteed-issue rights for others.

Plan types previously offered

Historically, the company sold Plans A, G, and N nationwide. Plan F, including a high-deductible F, remained available only to those first eligible before 2020. Wisconsin and Minnesota had state-standardized options.

Pros and cons

Pros: Low premiums in some markets and stackable MultiDiscount savings helped lower costs for certain buyers.

Cons: Complaint rates ran much higher than peers, and extras were limited compared with some competitors.

“Market data show a Medigap medical loss ratio near 94.2% and a complaint index roughly 190% above average.”

Before you decide, compare quotes and policy details across providers. For a deeper Medigap review, see this Medicare Supplement review.

Group and small business solutions through Allstate Benefits

Employers can reduce volatile spending by choosing a self-funded plan with stop‑loss protection and centralized admin.

Allstate Benefits offers a suite of employer-focused offerings that bundle claims administration, provider networks, and billing to streamline vendor management.

Self-funded health plans: cost control, stop-loss, and administration

Self-funded arrangements let an employer pay actual claims while stop‑loss coverage caps catastrophic exposure.

That combination often improves long‑term costs and gives companies more control over plan design.

Supplemental benefits portfolio: accident, hospital indemnity, disability

Employers can layer supplemental products—accident, hospital indemnity, and disability—alongside major medical designs.

Dental and vision add-ons round out offerings and boost perceived employee value without large employer cost increases.

Quoting and enrollment: digital tools and broker support

Online quoting tools speed comparisons for small groups and let brokers tailor plans by choosing PPO, Network Only, or Reference Pricing.

Agent and broker teams support enrollment, compliance, and employee communications so participation targets are met.

For sample quotes and to streamline employer enrollment, request a demo of the provider’s online tools via small group quoting.

Pricing, premiums, and discounts

Pricing can swing by metro area and by plan type, making local quotes essential to gauge real costs.

How premiums vary by plan, state, and demographics

Premiums depend on the plan you choose, the state rating rules, and personal factors like age and location.

In some metros, Medigap Plan G and Plan N averaged about 30–34% higher than the cheapest carriers.

In other markets, those same plans ranked among more affordable options. Always request tailored insurance quotes for your profile.

MultiDiscount and other ways to lower your costs

MultiDiscount lets eligible buyers stack savings. Typical examples include household discounts, annual-pay reductions, and incentives for linking an activity tracker.

Bundling dental, vision, and hearing with a Medigap-style plan can lead to extra discounts and reduce total pocket spending for routine needs.

“Ask for a breakdown of rates by plan and age, including projected increases, before you commit.”

• Request multiple quotes and compare pricing, rates, and projected increases across carriers.
• Check stacking discounts: household, annual payment, and activity incentives can lower costs.
• Compare total costs—premiums, deductibles, coinsurance, and expected pocket expenses—based on typical care needs.

When comparing options, use consistent data points and ask agents for itemized insurance quotes. For a closer Medigap pricing look, see this detailed Medigap review.

Member experience, service, and networks

Claims processes and support responsiveness shape whether people feel their plan meets real needs during a health event.

Complaint trends versus industry averages

NAIC data show Medigap complaint levels roughly 190% above the industry average for 2022–2023.

At the same time, the medical loss ratio sits near 94.2%, which means a large share of premiums goes to member benefits rather than overhead.

That mix suggests price and payout can be strong, while member experience on service may lag in some markets.

Agent support, claims administration, and digital tools

The provider reports a network of more than 49,000 agents and brokers. A local agent can speed onboarding and answer state-specific questions.

Digital quoting and enrollment tools help reduce paperwork and speed application processing for individuals and employers.

For group plans, integrated claims administration and stop‑loss support aim to improve timely adjudication and reporting to HR teams.

Practical tip: Call an agent or test support before you buy to confirm responsiveness and documented service expectations.

• Complaint data signals member experience concerns to weigh alongside cost and benefits.
• Verify provider networks for your doctors to avoid surprise bills.
• Balance quantified data with direct interactions to judge service quality.

How Allstate compares to other providers

Regional pricing, product breadth, and extras often determine which carrier fits your needs.

Medigap competitors

Major rivals include AARP/UnitedHealthcare, Mutual of Omaha, State Farm, and Wellabe. Those companies often offer wider availability and richer perks.

Allstate’s Medigap pricing can be competitive in select markets, but its extras and new-sales availability are limited in many states.

“Compare standardized Plan G vs. Plan G across companies to judge pricing and benefits fairly.”

Group health competitors

For group plans, UnitedHealthcare, Cigna, Aetna, Humana, and Anthem typically provide broader networks and extensive digital tools.

Allstate Benefits competes on affordability and self-funded customization, which can suit employers seeking tighter cost control.

• Check ratings, complaint data, and financial strength before you buy.
• Compare total costs—not just premiums—to find the best fit.
• Use a broker to verify availability and true pricing in your state.

Who should consider Allstate Health Solutions—and who shouldn’t

If you need quick, targeted protection during a transition, this provider offers flexible short-term and supplemental plan choices.

Consider these options when you want fast-start short-term medical, accident, critical-illness, or dental plans to bridge gaps. These plans work well for people leaving employer coverage or for those who need focused cash benefits after an event.

Small and mid-sized employers with an appetite for self-funded design should explore Allstate Benefits. The setup can include integrated admin and stop‑loss tools that help control costs while keeping claims reporting centralized.

If your main priority is broad extras, extensive wellness perks, or new Medigap purchases, look at other companies. New Medigap sales are limited in many states, so new Medicare supplement shoppers usually need alternative options.

Practical note: For ACA-compliant major medical or multi-state concierge service, compare marketplace or larger carriers before you commit.

Conclusion

Decide by matching product timing and coverage to your needs.

Allstate Health Solutions and its employer-focused Benefits unit offer targeted products for short-term medical, accident, critical-illness, and dental needs. For employers, self-funded options and integrated claims support can streamline administration.

Note key data: Medigap new-sales are limited in many states, complaint ratings run high (~190% above average), and the medical loss ratio sits near 94.2%. Ask an agent for detailed quotes, enrollment timelines, and any MultiDiscount or household savings that lower premiums and pocket costs.

Gather rates, compare quotes from other providers, and confirm policy details before you commit. Work with a licensed agent to pick the best plan for your care and budget.