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February 23, 2024
Senior hospital indemnity plans

a predictable way to pay for health care

Senior Indemnity

Get more control over health care costs with a fixed-benefit plan

Take control of your healthcare costs and prepare for unexpected medical needs with Senior Indemnity, a fixed-benefit plan that provides coverage for everyday healthcare expenses, such as hospital stays, surgeries, lab tests, and doctor's visits. With Allstate's affordable plans, you can choose set dollar amounts for coverage, while any additional expenses are your responsibility. Senior Indemnity is ideal when used alongside a major medical plan, during the waiting period for Medicare eligibility, or in conjunction with a Medicare Advantage (Part C) Plan. Enjoy the freedom to see any provider without network restrictions, all at a cost that suits your needs.

Benefits in every plan

Short waiting periods

Immediate benefits for sickness; 90 days for preventative care

Outpatient services

Benefits for office visits, urgent care visits and and lab services

Coverage for hospitalization

Up to 31 days of hospitalization per plan year.

Eligibility and renewabilty

Primary plan holder and spouse eligible ages 55-74; renewable to age 85

Max plan benefits

If you’re waiting for Medicare eligibility or missed your enrollment period, a Max plan may be right for you. You won’t need to worry about a gap in coverage. And plans include surgical1, air ambulance, and nursing/transitional care benefits.

Base plan benefits

If you’re looking for a good addition to Medicare Advantage, a base plan may be the right choice. They help cover out-of-pocket expenses that primary plans don’t. Plus, plans include up to two emergency room visits per year.

Quick note about fixed-benefit insurance 

Unlike major medical policies, fixed-benefit insurance is a supplemental plan, and is not subject to the 10 essential health benefits outlined in the Affordable Care Act. That means fixed-benefit insurance may exclude pre-existing conditions, and may have service benefit limits, annual benefit limits, and lifetime benefit limits. While these plans do not cap out-of-pocket costs, beneficiaries do receive direct payments for covered services.

Pick the right plan for you

Discover Financial Security and Take Charge of Your Health with a Senior Indemnity Plan

How does a Senior Indemnity Plan work with Medicare Advantage?

An indemnity plan can help cover co-pays, deductibles, and out-of-pocket costs associated with a Medicare Advantage Part C plan. Here's how it works:

  1. Co-pays: Medicare Advantage Part C plans typically require beneficiaries to pay a specific amount as a co-pay for each covered service or prescription drug. With an indemnity plan, eligible co-pays may be reimbursed or directly paid by the insurance provider, reducing the out-of-pocket burden for the individual.
  2. Deductibles: Medicare Advantage Part C plans often have an annual deductible, which is an amount that beneficiaries must pay out of pocket before the insurance coverage kicks in. An indemnity plan may help cover or offset this deductible, allowing individuals to access the benefits of their Medicare Advantage plan without delay.
  3. Out-of-pocket costs: Medicare Advantage plans have a maximum limit (out-of-pocket maximum) on the amount beneficiaries are responsible for paying in a given year. This includes co-pays, deductibles, and coinsurance. An indemnity plan can help cover these out-of-pocket costs once the maximum limit is reached, providing financial protection and peace of mind.

It's essential to note that the specifics of how an indemnity plan coordinates with a Medicare Advantage Part C plan can vary. It's recommended to carefully review the terms and conditions of both plans to understand the exact coverage and benefits provided.

Remember, an indemnity plan is not part of Medicare but can be obtained as an additional coverage option through certain insurance providers. As always, consulting with a licensed insurance agent or reaching out to the insurance provider directly can provide further clarity on how an indemnity plan can supplement and help cover costs associated with a Medicare Advantage Part C plan.

What does Allstate Senior indemnity plans cover?

All senior indemnity plans pay set dollar amounts for specific health care services, regardless of where you receive care. Benefits cover one plan year, and then reset.

Allstate senior indemnity plans cover a range of medical services and expenses. The coverage includes:

  1. Hospital admission: Provides benefits for hospital stays due to sickness or injury.
  2. Daily confinement - sickness: Offers benefits for each day confined to a hospital due to sickness.
  3. Daily confinement - injury: Provides benefits for each day confined to a hospital due to injury.
  4. Surgery: Offers benefits for surgical procedures covered by the plan.
  5. Immediate benefits for sickness: Provides immediate coverage for eligible sickness-related medical services.
  6. 90 days from the effective date for preventative care: Includes coverage for preventative care services within 90 days of the plan's effective date.
  7. Outpatient doctors office visit: Provides coverage for visits to outpatient doctor's offices.
  8. Radiology: Offers benefits for radiology services.
  9. Laboratory testing: Covers laboratory tests.
  10. Ambulance emergency room: Provides benefits for ambulance services to the emergency room.
  11. Skilled nursing facility: Includes coverage for stays in a skilled nursing facility.

It's important to review the specific terms and conditions of the Allstate senior indemnity plan to understand the coverage limits and any exclusions that may apply.

Pick the right plan for you

Discover Financial Security and Take Charge of Your Health with a Senior Indemnity Plan


The Allstate Corporation (NYSE: ALL) is one of the largest publicly held personal lines insurers in the United States. As part of the Allstate Corporation, Allstate Health Solutions is focused on providing supplemental and short-term coverage options to individuals and associations. Allstate Health Solutions is the marketing name for products underwritten by National Health Insurance Company, Integon National Insurance Company, Integon Indemnity Corporation and American Heritage Life Insurance Company. These four companies, together, are authorized to provide health insurance in all 50 states and the District of Columbia. Each underwriting company is responsible for its respective products. National Health Insurance Company underwrites policies in AL, AR, AZ, CO, DC, DE, FL, GA, IA, IL, KY, LA, ME, MI, MO, MS, NC, NE, OH, OK, PA, SC, SD, TN, TX, UT, VA, WI WV, and WY.

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