The AllState Enhanced Short Term plan is a more traditional private insurance plans. It is offered through AllState, formerly National General, and accesses the Aetna Network, one of the largest networks in the nation.
This plan does NOT have copay payments for Dr visits. You are required to pay 20% of costs, after deductible, up to the max $10,000 out of pocket coinsurance. There is a $50 access fee for Urgent Care (before deductible).
There are several deductible options, the most popular being $5000 with 80/20 coinsurance and $10,000 Max Out-of-Pocket after deductible is met. Deductible must be met for hospital stays & Dr visits before the plan covers anything.
To help off-set the deductible cost there are supplemental plans, such as an accident plan from MedElite or a hospital plan from AllState.
This plan is great for those healthy individuals who are wanting a plan for “what if’s” of life.
For plan brochure click here