Innovative Group Health coverage from Allstate Benefits

Health coverage for small businesses that protect employees and the bottom line

Our Self-Funded Program is specially designed to provide affordable health benefits for small- and mid-sized businesses. Compared to traditional fully-insured plans, you get more plan options, usually at a lower cost, without sacrificing quality health coverage for your employees.

How self-funding works

With the Allstate Benefits Self-Funded Program, you have one predictable monthly payment² that is split three ways:

1. Claims fund - Your contribution to the claims account is determined upfront and is guaranteed not to increase for a full year as long as there are no changes to your group's benefits or enrollment.
2. Stop-loss insurance - If your group's claims are higher than expected, stop-loss insurance protects your business's assets.
3. Administration - All day-to-day administration of your self-funded plan - including claims processing and customer service - is taken care of for you, so you're free to focus on your business.

Your refund potential

If your group's claims are lower than expected, you may get a refund of a portion of the difference at the end of the plan year.³ About 60% of our groups receive a refund.⁴

Flexible features

• Flexible deductible options
• Coinsurance from 50% to 100%
• Dedicated account manager
• First-dollar coverage for preventive care
• Access to national PPO networks
• Excellent member services
• Prescription, urgent-care and emergency room copay options
• A valuable telehealth service that can save you money
• Add dental and vision plans for a more robust package

Pick your level of coverage

Our Self-Funded Program provides flexible health coverage and contract options for small- and mid-sized companies. We can find a plan that suits your needs, whether you need coverage for 2 or 500 employees.

More resources

• Self-Funded Confidentiality Request Form Allied TPA
• Self-Funded Confidentiality Request Form - WA Allied TPA
• Self-Funded Confidentiality Request Form - RI Allied TPA
• Self-Funded Request to Block Individual from Receiving PHI Meritain TPA
• CA Confidential Communication Notice Allied TPA