Unlocking Affordable Healthcare: A Look at Allstate Health Access

In a world full of “what ifs,” healthcare can often feel like a puzzle. “What if I get sick or injured?” or “What if unexpected costs arise?” are common concerns that can leave us wondering about our coverage. Allstate Health Access aims to address these worries with its fixed-benefit insurance plans, offering an affordable and predictable way to manage everyday healthcare expenses.

What is Allstate Health Access?

Allstate Health Access provides fixed-benefit insurance, meaning you choose a set dollar amount upfront, and they’ll pay covered expenses for that plan year. A key advantage is that there are no deductibles or copays; you simply cover any costs above the chosen dollar amount. This approach makes managing healthcare costs more predictable.

While Allstate Health Access is most effective when combined with a major medical plan, it can also serve as minimum coverage if a major medical plan isn’t an affordable option. This flexibility allows you to get coverage at a cost that suits your budget.

Key Benefits and Features:

Predictable Payments: You know exactly what your plan will pay for various services, including office visits, lab tests, and hospitalization. Plus, premium rates are guaranteed for three years on all plans.

Short Waiting Periods: You get immediate benefits for injury and sickness, with a 90-day waiting period for preventative care.

Adult and Child Options: Coverage is available for all ages up to 65, with child-only plans also offered in most states.Flexibility and Renewability: You can apply anytime, and plans auto-renew, with some benefits increasing annually.

No Maximums: There are no annual or lifetime maximum caps on benefits.

First Health Network Access: Allstate Health Access plans provide access to the First Health Network, which includes 5,300 hospitals, 100,000 ancillary facilities, and 695,000 doctors and healthcare providers, offering discounts on covered services. There are no penalties for seeing out-of-network providers; the plan pays the same dollar amount regardless.

Recuro Health Virtual Care: Members have access to 24/7 virtual urgent care with zero out-of-pocket costs for conditions like colds, flu, and rashes.

Recuro Health Prescription Benefit: This includes a $0 copay for chronic conditions and urgent care medications, accepted at over 65,000 retail pharmacies nationwide. It offers a prescription benefit card, medication delivery, a national pharmacy network, and an easy-to-use member portal.

Understanding How the Plan Works:

Allstate Health Access plans pay set benefits for covered services. For example, for a preventative office visit, if the total cost after a network discount is $268.00, a Core plan might provide a total benefit of $185.00, leaving you with a balance of $83.00. For a Plus plan, the total benefit might be $235.00, resulting in a $53.00 balance.

Similarly, for a rotator cuff surgery with a total cost of $9,360.00 after a network discount, a Core plan could offer a total benefit of $6,500.00 (covering surgery, assistant surgeon, anesthesia, and ambulatory surgical center benefits), leaving a balance of $2,860.00. A Plus plan might provide an $8,500.00 total benefit, reducing your balance to $860.00

For more details and a quote just reach to me:

Andy Orlikoff

623-742-3878

www.AZhealth.us