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Hospital fixed-benefit plans · Allstate Health Solutions

Compare Allstate Hospital Expense Protection Plus

Six plans in two groups. Base plans (A, B, C) pay cash for hospital stays and ambulances. Max plans (D, E, F) add doctor visits, urgent care, X-rays, and lab tests. Every plan pays a set amount, no matter what the bill is, on top of any other coverage you have. Amounts are per covered person.

Based on Allstate's May 2026 Hospital Expense Protection Plus brochure · Updated October 2026

No waiting periods Any hospital or doctor Paid to you

Please read: this plan provides limited benefits and is not major medical insurance. It pays fixed amounts for covered services, and you pay anything above those amounts. In Virginia, it must be bought alongside other health insurance.

See states where these plans are available

This brochure's states 23 states + DC

Alabama, Arizona, Arkansas, California, Delaware, District of Columbia, Florida, Georgia, Illinois, Kentucky, Louisiana, Michigan, Mississippi, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, 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.

Base Plans

Plans A, B & C · hospital stays

Open the brochure (PDF)

A good fit if you mainly want cash if you end up in the hospital, to help with a deductible or bills your other coverage leaves behind.

A lump sum when you're admitted: $1,500, $3,000, or $5,000
Plus $150 for each day in the hospital
An observation stay pays $750 to $2,500
Ambulance: $250 by ground, $25,000 by air

Plan ALowest cost. $1,500 admission and up to 31 hospital days.

Plan B$3,000 admission and up to 31 hospital days.

Plan CThe biggest admission payment, $5,000, but only 10 hospital days.

Good to know: no doctor visit, ER, ICU, X-ray, or lab benefits.

Max Plans

Plans D, E & F · hospital + everyday care

Open the brochure (PDF)

A good fit if you want hospital cash plus a little help with doctor visits and tests.

A lump sum when you're admitted: $500, $1,500, or $3,000, plus $150 a day for up to 31 days
2 office visits a year at $75
2 X-rays and 2 lab tests a year at $50 each
Plan F adds the ER ($250, 4 times a year) and ICU ($1,000)

Plan DLowest cost. $500 admission, plus office and urgent care visits.

Plan E$1,500 admission, plus office and urgent care visits.

Plan F$3,000 admission, plus ER visits and one ICU day. No urgent care benefit.

Good to know: doctor visit and test benefits are small, so these plans work best alongside other coverage.

Which plan fits you?

You want the lowest-cost hospital cashBase Plans

You want the biggest payment for a short stayPlan C

You want help with doctor visits and tests tooMax Plans

You worry about ER visitsPlan F

You need major medical coverageAn ACA plan

You could have a long hospital stayPlan A, B, D, E or F

You use urgent carePlan D or E

You have a high-deductible health planPlan B or C

You live in VirginiaAny plan, with other coverage

How the plans pay

What a claim looks like

Illustrations built from the benefit schedule. The money is paid to you, on top of whatever your other insurance pays.

Plan B · 3 days in the hospital

Pneumonia

Admitted and in the hospital for 3 days.

Admission$3,000
3 days × $150$450

Paid to you$3,450

Plan C · ambulance + 2 days

A bad fall

A ground ambulance to the hospital, then admitted for 2 days.

Ground ambulance$250
Admission$5,000
2 days × $150$300

Paid to you$5,550

Plan F · ER + observation

Chest pain

An ER visit, then kept overnight for observation without being admitted.

Emergency room$250
Observation unit$1,500

Paid to you$1,750

Plan D · a sick visit

Doctor visit with tests

An office visit, a chest X-ray, and a lab test.

Office visit$75
X-ray$50
Lab test$50

Paid to you$175

All benefits

Every benefit, every plan

Not covered No benefit in the brochure Amounts are what the plan pays you, per covered person.

Rotate your phone for a better view of this table.

Benefit

Base Plans

Max Plans

Plan

Plan A

Plan B

Plan C

Plan D

Plan E

Plan F

Common questions

Questions people ask

Straight answers about how these plans work. Tap a question to open it.

How do these plans work?

When you have a covered hospital stay, ambulance ride, or other service, the plan pays you a set cash amount. It doesn't matter what the hospital charges or what your other insurance pays. You can use the money for anything: your deductible, bills, or everyday costs while you recover.

What's the difference between Base and Max plans?

Base plans (A, B, C) focus on the hospital: an admission payment, a daily amount, observation stays, and ambulances. Max plans (D, E, F) include the same hospital benefits with smaller admission payments, and add office visits, X-rays, and lab tests. D and E also pay for urgent care, and F pays for the ER and one ICU day.

Is there a waiting period?

No. Benefits are available from your first day. Pre-existing conditions are handled separately (see below).

Are pre-existing conditions covered?

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.

Can I use any hospital?

Yes. There's no network. The plan pays the same amount at any hospital or provider you choose.

Do I have to answer health questions?

Allstate's brochure doesn't say. I'll confirm the current application for your state before you apply.

Why does Plan C only pay for 10 days?

Plan C trades length for size: it pays the biggest admission benefit, $5,000, but the $150 daily benefit stops after 10 days. If a long stay worries you more than a short one, Plans A, B, D, E, and F pay daily for up to 31 days.

Does it pay if I have other insurance?

Yes. Benefits are paid in addition to any other medical coverage you have.

What is the LIFE Association?

These plans are offered through the LIFE Association, a not-for-profit membership group. Membership includes extras like travel savings, ID theft protection, and gym discounts. Questions about membership: 800-557-5024.

How long can I keep it?

The plan is guaranteed renewable until age 65, and renews automatically as long as you pay your premium.

How do I manage my plan?

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.

Questions? Let's talk

Not sure which plan fits? I'll walk you through it.

I'm Hamon R. Burkhardt, a licensed Health & Life insurance broker. I'll help you pick the plan that fills the gaps in your current coverage at a price that fits. No pressure, no fine print.

Call or text561-699-9453

Emailhello@helpmehamon.com

Websitehelpmehamon.com

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What these plans don't cover

Pre-existing conditions during your first 12 months
Outpatient prescription drugs
Mental health and substance use treatment
Pregnancy and childbirth (complications are covered)
Transplants, end-stage kidney disease, and chronic pain disorders
Dental, vision, hearing, and foot conditions
Cosmetic and weight-loss surgery; custodial or rest care
Injuries from hazardous activities like skydiving or racing
Care outside the U.S. and Canada

This is a summary. The policy lists all exclusions and limitations.

State differences

Virginia: must be bought alongside other health insurance.

Other state variations may apply.

About this guide

This guide summarizes Allstate's May 2026 Hospital Expense Protection Plus 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 provides limited benefits and isn't major medical insurance. © 2026 helpmehamon!