Allstate 25k Air Ambulance Benefit Plus Hospital Expense Plan A
At Allstate, we understand that unexpected accidents and illnesses can bring not only physical discomfort but also financial stress. That's why we've designed a plan to provide you with peace of mind and financial security when you need it most. With a generous $25,000 benefit for air ambulance services, you can rest easy in emergencies, without worrying about the cost. Hospital admissions can also be financially burdensome, but with our $1,500 hospital admission benefit, you can focus on your recovery rather than the bills. We go a step further by offering $150 per day for each night you spend in the hospital, as well as a $750 benefit for hospital observation. Plus, with a $250 benefit for ground ambulance services, we've got your transportation to and from the hospital covered too. We're committed to being your safety net, ensuring that you receive the care you need without the financial stress.
The company that provides and manages your insurance coverage. You pay your insurance premiums, which are regular payments to maintain your coverage, directly to the carrier.
A health plan's plan year typically spans 365 days starting when your plan starts. At the start of each new plan term, plans reset, and any deductibles, out-of-pocket maximums, and benefits calculations begin anew.
Choose your own benefit
Hospital insurance is a valuable addition to your healthcare coverage, designed to provide financial assistance when you require hospitalization due to illness or injury. With this type of insurance, you receive a fixed daily benefit to help offset the costs associated with your hospital stay. Some plans even include built-in benefits for emergency room visits, ensuring you have financial support during unforeseen medical crises. You can choose your own daily benefit amount from $50 per day to $1000 per day.
What makes hospital insurance even more flexible is the option to add riders to your policy. These riders can cover a range of services, including ambulance rides, skilled nursing facility care, and outpatient surgery, effectively filling the gaps left by your health insurance plan's deductible and copays. By customizing your hospital insurance with these additional options, you can better manage the financial implications of unexpected medical events, allowing you to focus on your recovery rather than worrying about healthcare costs.
Optional Hospital Riders
When it comes to choosing the optional riders for your hospital insurance plan, it's essential to tailor your coverage to address your specific concerns and needs. Here's a breakdown of the available options to help you make an informed decision:
Short Duration Hospital Stay Benefit: This rider provides a daily benefit for hospital stays lasting between 6 and 24 hours due to observation or confinement.
Mental Health Benefits: Ensures coverage for hospitalization related to mental or nervous disorders.
Observation Unit Benefits: Pays a benefit for services received in a hospital's observation unit due to a covered loss or sickness.
Emergency Room Benefits: Provides coverage for treatment in an emergency room, emergency care, or urgent care facility without the need for hospital admission.
Skilled Nursing Facility Benefit Rider: Offers benefits for confinement in a skilled nursing facility following at least three consecutive days of hospitalization.
Ambulance Benefit Rider: Pays a chosen benefit per ambulance ride to or from a hospital, with limits on the number of trips.
Major Diagnostic Exam Rider: Covers major diagnostic exams like CT, MRI, and PET scans, offering benefits up to twice a year.
Outpatient Therapy Benefit Rider: Provides daily benefits for outpatient therapies like physical, occupational, and speech therapy, subject to annual maximums.
Cancer Lump Sum Benefit Rider: Offers a lump-sum benefit of up to $20,000 upon cancer diagnosis, including additional benefits for specific conditions.
Outpatient Surgical Benefit Rider: Covers surgical procedures performed in outpatient settings with a benefit limit per calendar year.
Critical Accident Benefit Rider: Pays a lump-sum benefit for specific accident injuries after an emergency room visit.
Lump Sum Hospital Benefit Rider: Helps cover hospital co-pays with a lump-sum benefit that restores after a period of no hospital confinement.
Wellness Benefit Rider: Encourages preventive care by providing annual benefits for wellness exams and screenings.
Dental, Vision, and Hearing Benefit Rider: Offers an annual benefit for services by licensed healthcare professionals, including vision-related expenses.
When selecting these riders, consider your health concerns, lifestyle, and potential out-of-pocket expenses. Tailoring your hospital insurance with these riders ensures that you have comprehensive coverage that aligns with your unique needs and provides financial security during unforeseen medical events.
How this plan pays you for hospital stays
A hospital plan offers a crucial safety net by providing direct financial support to individuals following accidental injuries and illnesses, such as broken bones, stitches, or appendictitis. This type of insurance typically allows policyholders to seek immediate medical attention without worrying about the financial burden. When a hospital stay occurs, the plan pays the policyholder directly, facilitating prompt medical treatment and recovery. This streamlined process ensures that individuals can quickly access the care they need, covering expenses like medical bills, hospital stays, and other related costs. In times of unexpected hospital stays, an accident plan serves as a reliable and efficient resource, offering financial relief when it's needed most, and allowing individuals to focus on their recovery without added financial stress.
Step 1: Seek medical attention
Immediately seek medical attention after an accident or injury or illnes. Your well-being is a top priority, and timely treatment is crucial for your recovery. Keep all medical records, bills, and documentation related to your injury and treatment.
Step 2: Contact Utah Avenue Insurance
Call Utah Avenue to get in touch with your local agent and initiate the claims process. Your agent will guide you through the necessary steps and help you complete the required paperwork. Be sure to provide accurate and detailed information about your hospital stay due to an illness or injury.
Work closely with your local agent to gather all the required documentation, such as medical bills, receipts, and release papers from the hospital. Your local agent can even submit this paperwork for you promptly to the insurance company.
Once the insurance company receives your claim, they will review it to ensure it meets their criteria and policy terms. Your local agent will advocate on your behalf during this process, helping to address any inquiries or additional information requests.
Step 3: Get Paid
Upon approval, you will receive payment directly from the insurance company. These funds are meant to cover your medical expenses and compensate for any lost income due to the accident. Make sure to use these funds responsibly to address your medicalcosts promptly.
Full Summary of Benefits and Helpful Links
Official documents, such as your insurance policy or Summary of Benefits and Coverage (SBC), outline the details of your coverage, including deductibles, copayments, and covered services. Provider links, often available through your insurance company's website, offer directories of in-network healthcare professionals and facilities, helping you find the right doctors and hospitals that are covered by your plan. Utilizing these resources can empower you to make informed healthcare decisions and effectively navigate your insurance coverage.
Schedule a consultation with a local Utah health insurance agent
We're happy to meet with your in-person or over the phone to help you with your health insurance needs. We can help you with health insurance on or off the marketplace, Medicare Advantage & supplements, dental insurance, vision insurance, life insurance or accident plans. Thank you for letting us be your advocate. Best part, is our help is always free!
This is a quick snapshot of the most popular copays, deductibles, and coinsurance that you would be responsible for on this dental plan. Preventative services include dental cleanings, exams and x-rays. Most plans cover your preventative care every 6 months with no waiting period. Basic dental work includes minor services like filling a cavity and may have a waiting period before these services will be covered on your plan. Major work includes services like crowns and root canals and may have a waiting period before these services are covered. Dentures and implants are normally NOT included in dental insurance. If you need coverage for these services, please let your local agent know so that you have a plan that includes those services.
To learn what each of the terms mean, please visit our terms and definitions page. Copays and coinsurance listed are amounts that you would pay after deductible unless specified otherwise. This is not a full list of services included on the plan. This snapshot is not guaranteed to be accurate. To verify plan benefits or for full details please see the full summary of benefits or or get a complete terms of coverage on the health plan carrier's website.