Back to top
Delivering on the Good Hands

PPO and Network Only health coverage from Allstate Benefits

Take control of your health care costs without compromising quality.

get a quote

About PPO and Network Only plan options

Allstate Benefits offers self-funded PPO and network-only Advantage health plan designs for small- and mid-sized businesses. With our program, you may save money compared to fully-insured plans.

We offer access to top-rated national networks like Cigna PPO, Cigna OAP, Aetna Signature Administrators®, and local networks. Depending on your plan selection, you can offer more than one network or plan design to your employees.

Add access to Teladoc® to increase your savings. Teladoc is an affordable telehealth service that allows your group members to receive treatment for many common, non-emergency conditions anytime and anywhere through the web, telephone, or mobile app.

Select Path plan design

When you choose the Select Path PPO or Network-Only option, your members have access to providers in the Aetna Signature Administrators® network. Your group members will have access to an innovative provider search and scheduling tool, Smart Match Scheduler. This tool1 guides members to choose high-quality, lower cost providers within the network. Both you and your group members save.

How it works

Standard PPO plan designs

Our standard PPO plan pays benefits for both in- and out-of-network services. However, you and your members will save more by using in-network providers.

Network-Only plan designs

Our standard network-only Advantage plan designs pay benefits only when group members use in-network providers, with the exception of emergency services. You and your members save by eliminating higher-cost, out-of-network benefits.

Select Path plan designs

When you choose Select Path, your members are required to use the Smart Match Scheduler tool to find a Select Path provider and schedule services for all preplanned care in order to avoid a penalty.2 When your members use the Smart Match Scheduler, everyone saves!

Features and benefits

Our self-funded PPO and Network-Only plan designs have the following features and benefits:

  • One predictable monthly payment — Small companies have the financial stability of level funding. Payments are guaranteed not to increase for a full year as long as there are no changes to benefits or enrollment. Companies with 51 or more group members can choose the same predictable payment each month or to pay claims as they are incurred.
  • Savings — Rates for a self-funded program are often lower than those for a fully-insured plan, and employers with a level-funded plan may receive money back from their claims account in years when claims are lower than anticipated.3 In addition, you and your members will see the savings add up when members use in-network services.
  • Hands-off administration — Customer service, claims, and other administrative services are handled by our trusted third-party administrators — Allied Benefit Systems, LLC, and Meritain Health.
  • Stop-loss insurance — When your group has higher-than-expected claims, stop-loss insurance kicks in to protect your finances.
  • Dedicated support — Our third-party administrators offer top-quality customer service. They can help members find a provider, understand their Explanation of Benefits, or resolve billing discrepancies.

More resources

Disclaimers and notes

1Powered by Amino.

2For complete details please refer to plan documents.

3Subject to any Terminal Liability Coverage fee.

We are Allstate Benefits

From innovative group health coverage to our industry-leading portfolio of group supplemental insurance products, we have the experience, knowledge and service you need, and a name you know and trust.

Learn more about us

Allstate Benefits Logo.
Allstate Benefits Logo.

you're in good hands

ECC Monitor: OK