Four plans, side by side: Metal Gap, Core, Plus, and Guaranteed Issue. Each pays you a set cash amount for doctor visits, tests, surgery, and hospital stays, no matter what the bill is. There's no deductible to meet first. Amounts are per covered person unless noted.
Based on Allstate's April 2026 Health Access brochure · Updated October 2026
Alabama, Arizona, Arkansas, California, Delaware, District of Columbia, Florida, Georgia, Illinois, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, West Virginia, Wyoming
Don't see your state? Reach out. Allstate may offer a version there, and I can help you find other options.
A good fit if you want a large one-time payment if you're admitted to the hospital, for example to help with a big deductible on another plan.
Good to know: each day in the hospital pays just $100. No preventive, lab, X-ray, or chemo benefits.
A good fit if you want help with doctor visits, checkups, and tests, plus strong hospital benefits.
Good to know: checkups have a 90-day wait (30 days in California).
A good fit if you want the most from every benefit: more visits, bigger hospital and surgery payments, and cancer treatment.
Good to know: usually the highest premium of the four. Checkups have a 90-day wait.
A good fit if you have health conditions and can't qualify for the other three.
Good to know: no ER, urgent care, preventive, or chemo benefits. Pre-existing conditions still aren't covered for the first 12 months.
Examples from Allstate's brochure, based on historical claims and First Health network discounts. The network discount lowers the bill first, then the plan pays its set amounts.
Billed $426, or $268 after the network discount.
On Plus, the plan pays $235 and you pay $33.
Billed $19,500, or $9,360 after the network discount.
On Core, the plan pays $6,500 and you pay $2,860.
Billed $30,000, or $18,000 after the network discount.
Plus pays $4,000 a day instead of $3,000.
Rotate your phone for a better view of this table.
| Benefit | Metal Gap | Core | Plus | Guaranteed Issue |
|---|---|---|---|---|
| Health questions | Yes | Yes | Yes | None |
Straight answers about how Health Access works. Tap a question to open it.
No. Allstate Health Access is a limited, fixed-benefit medical plan. It pays set dollar amounts when you get covered care, no matter what the provider charges, and you're responsible for any remaining cost. It isn't major medical insurance and doesn't meet ACA standards. If you need that protection, I can quote an ACA plan too.
Each covered service has a set payment. For example, Core pays $150 for an office visit. If you use a First Health network doctor, the bill is lowered by the network discount first, so the plan's payment covers more of it. There's no deductible or copay to meet before the plan pays.
For Metal Gap, Core, and Plus, yes. The short application asks about your health, and your answers decide whether you qualify. The Guaranteed Issue plan has no health questions.
Yes. The plan pays the same amount whichever doctor or hospital you use. First Health network providers give you a discount, which stretches your benefits further, and there's no penalty for going outside the network. Search at firsthealthlbp.com.
Not for your first 12 months. That includes conditions you were treated for, got advice about, took medication for, or had symptoms of in the year before your plan starts, and a pregnancy that began before coverage. After 12 months, they're covered like anything else.
Only for preventive checkups, which have a 90-day wait (30 days in California). Illness and injury benefits start on your first day.
Some do. On Core and Plus, the daily hospital benefit for an injury goes up in your second and third years on the plan. On Guaranteed Issue, both the illness and injury hospital benefits go up. After year 3, they stay at that level.
Your rate is guaranteed for three years on every plan. After that, Allstate can change rates with advance notice. There are also no annual or lifetime maximums on your benefits.
Health Access is offered through the LIFE Association, a not-for-profit membership group. You join when you apply (it isn't required in Nevada, Pennsylvania, South Dakota, or Wyoming). Membership includes extras like telemedicine, travel savings, ID theft protection, gym discounts, and help negotiating hospital and imaging bills.
For extra cost, you can add Recuro Health: unlimited $0 virtual urgent care, a prescription benefit with $0 copays for chronic and urgent-care medications (up to $50 per fill), and $0 virtual behavioral health care. Psychiatry visits cost $260 for the first visit and $140 after that. These are services, not insurance, and aren't available on child-only plans.
Yes. You get your set benefit even if another plan pays for the same care. Many people use Health Access alongside a major medical plan to help with deductibles and copays.
Yes. Coverage is available for all ages up to 65, and child-only plans are available, except in Missouri, Ohio, and Pennsylvania.
Register at the Allstate Health Solutions member portal to see your ID card, plan documents, and billing. Here's my step-by-step portal guide, or call member services at 888-781-0585.
I'm Hamon R. Burkhardt, a licensed Health & Life insurance broker. I'll help you compare Health Access with your budget, your doctors, and any other coverage you have. No pressure, no fine print.
Amputation (not fingers or toes), carotid endarterectomy, heart bypass (CABG), C-section due to complications of pregnancy, heart valve repair or replacement, hip replacement, spinal fusion, prostatectomy, splenectomy, and brain aneurysm surgery. Other surgeries pay the tier 2 or outpatient amounts.
This is a summary. The policy lists all exclusions and limitations.
This guide summarizes Allstate's April 2026 Allstate Health Access brochure. Allstate Health Solutions is the marketing name for products underwritten by National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation. It was prepared by Hamon R. Burkhardt, licensed Health & Life insurance broker (NPN 16713594), and is not an official Allstate document. It is not a contract. The policy's terms decide what is covered. This plan is fixed-indemnity insurance and isn't Minimum Essential Coverage under the Affordable Care Act. © 2026 helpmehamon!