• Hospital Indemnity Insurance
     
     
     
    allstate  
     
     
     
    Customer Service:  800-521-3535
     
    Claims:  800-348-4489
     
     

    The hospital indemnity program allows employees to insulate themselves against high out-of-pocket hospital costs, or they can provide a financial cushion in the event of a hospital confinement. A perfect scenario for this type of product is the female employee who is looking to become pregnant. Regardless of her medical plan, she knows she will be admitted to the hospital for delivery. This policy provides the transition money, over and above any other benefits, directly to her.  Another example is the employee with a high hospital deductible who can now provide supplemental hospital coverage to make up for their out-of-pocket expense.

     
    Hospital Indemnity Rate Sheet
     

    LOW PLAN

    Option #1

    HIGH PLAN

    Option #2

    $830  - $1,037

    day 1

    $1,245 - $1,556

    day 1

    Inpatient 

    $330 - $412 per day - days 1 - 180

    Inpatient 

    $495 - $618 per day - days 1 - 180

     

    $330 - $412 per day - days 1 - 60
     

    $495 - $618 per day - days 1 - 60

     

    Up to $825 - Anesthesia at 25%
     

    Up to $825 - Anesthesia at 25%

    Inpatient Physician's Treatment 

    $41 - $51 - daily while confined

    Inpatient Physician's Treatment 

    $41 - $51 - daily while confined

     Outpatient Emergency Accident

    $415 - $515 treatment in emergency facility 2 x yearly

    Outpatient Emergency Accident 

    $830 - $1,037 treatment in emergency facility 2 x yearly

    *Outpatient Physician Treatment

    $41 - $51 Any doctor or dental visit 5 x year per person

    *Outpatient Physician Treatment 

    $82 - $102 Any doctor or dental visit 5 x year per person

     At Home Nursing

    $83 - $103 daily for 30 visits

    At Home Nursing

    $166 - $207 daily for 30 visits

     Ambulance

    $249 - $311 per trip 3 x per yr

    Ambulance 

    $498 - $622 per trip 3 x per yr

     Non-Local Transportation

    $249 - $311 - 3 round trips per yr

    Non-Local Transportation 

    $498 - $622 - 3 round trips per yr

     Guaranteed Issue

    Guaranteed Issue 

     Waiver of Pre-ex if on current plan

    Waiver of Pre-ex if on current plan
     
     

    *Outpatient Physician Treatment is a very generous benefit, as it covers any type of doctor visit, including sick and well visits, chiropractic and dental.

     

    This is an example of the rate of return of the wellness benefit included in this benefit:

    LOW PLAN

    OPTION #1

    HIGH PLAN

    OPTION #2

    Annual premium for family coverage

    (45 years old)

    $1,103.20

     $1,719.80 

    Family member #1 goes to the doctor 

    -$41.00

    -$82.00

    Family member #1 goes to the dentist 

    -$41.00

    -$82.00

    Family member #2 goes to the doctor 

    -$41.00

    -$82.00

    Family member #2 goes to the dentist 

    -$41.00

    -$82.00

    Family member #3 goes to the doctor 

    -$41.00

    -$82.00

    Family member #3 goes to the dentist

    -$41.00

    -$82.00

    Family member #4 goes to the doctor

    -$41.00

    -$82.00

    Family member #4 goes to the dentist

    -$41.00

    -$82.00

    Total premium for Accident plan

    $775.20

    $1,227.80

    Total per pay period premium after physician treatment

    $38.76

    $61.39
     
    This is a brief summary of highlighted benefits and is not deemed to be a contract of insurance. Please refer to the actual contract for complete details on all provisions. 

     

    Pre‐existing Condition Limitation
     

    Allstate Benefits does not pay for any loss due to a pre-existing condition as defined during the 12-month period beginning on the date that person became effective. A Pre-Existing Condition is a disease or physical condition for which: symptoms existed within the 12 month period prior to the effective date of coverage; or medical advice or treatment was recommended or received from a member of the medical profession within the 12 month period prior to the effective date of coverage. A pre-existing condition can exist even though a diagnosis has not yet been made. Those conditions will be covered if a new hospitalization occurs after 12 months from the effective date. However, any person currently enrolled in the current plan will have the pre-existing condition clause waived.