View your 2019 medical coverage options

Take some time to evaluate your medical choices to make sure you’re enrolling in the best coverage for you and your eligible family members.

You can choose from any of the following medical coverage options:

  • Allstate Medical Savings Plan
  • Allstate Medical Value Plan
  • Kaiser Savings HMO or Kaiser Value HMO, if available in your area (view list)
  • Blue Advantage HMO or Kaiser Hawaii HMO, if available in your area (view list)

The only differences between the Savings and Value Plan options are the premiums, deductibles and out-of-pocket maximums. All other features, including provider networks, prescription drug benefits and covered services are the same.

Compare Annual Medical Premiums

Allstate Medical Savings Plan Allstate Medical Value Plan
You Only $1,771 $900
You + Spouse $5,631 $4,431
You + Children $5,398 $4,198
You + Family $7,958 $6,158

Premiums are rounded up to the nearest dollar and are for full-time Tobacco-Free employees/associates. If you’re eligible for the Kaiser Permanente options or Blue Advantage HMO, premiums will be available on Your Benefits Resources™ when you enroll.

Compare Deductibles

Allstate Medical Savings Plan Allstate Medical Value Plan
In-Network Out-of-Network In-Network Out-of-Network
Individual $2,000 $4,000 $3,000 $6,000
Family $4,000 $8,000 $6,000 $12,000
 
 

You Only coverage:
After individual deductible is met:
$2,000 in-network
$4,000 out-of-network

If you cover dependents:
After family deductible is met:
$4,000 in-network
$8,000 out-of-network

 

You Only coverage:
After individual deductible is met:
$3,000 in-network
$6,000 out-of-network

If you cover dependents:
For an individual, after that individual’s deductible is met:
$3,000 in-network
$6,000 out-of-network

For all family members, after family deductible is met by any combination of family members:
$6,000 in-network
$12,000 out-of-network

Preventive prescription copayments do not count towards deductibles.

Compare Out-of-Pocket Maximums (OOPMs)

Allstate Medical Savings Plan Allstate Medical Value Plan
In-Network Out-of-Network In-Network Out-of-Network
Individual $3,000 $6,000 $4,500 $9,000
Family $6,000 $12,000 $9,000 $18,000
 
 

You Only coverage
After individual OOPM is met:
$3,000 in-network
$6,000 out-of-network

All other coverage tiers
After family OOPM is met:
$6,000 in-network
$12,000 out-of-network

 

You Only coverage
After individual OOPM is met:
$4,500 in-network
$9,000 out-of-network

All other coverage tiers
For an individual, after that individual’s OOPM is met:
$4,500 in-network
$9,000 out-of-network

For all family members, after family OOPM is met by any combination of family members:
$9,000 in-network
$18,000 out-of-network

Medical

Looking for more information?

Download the 2019 Medical Plan Overview

Find a Health Care Provider

Aetna

If you live in: AK, AZ, CA, CO, DC, DE, FL,GA, IL, KS, MD, ME, MO, NH, NJ, NV, NY, OK, PA, TN, TX, WA

Search on DocFind
Member Services: (800) 892-8043

BlueCross BlueShield of Illinois (Non-HMO)

If you live in: AL, AR, CT, IA, ID, IN, KY, LA, MA, MI, MN, MS, MT, NC, ND, NE, NM, OH, OR, RI, SC, SD, UT, VA, VT, WI, WV, WY

Search on Provider Finder and select the following plan names when prompted:
Participating Provider Organization (PPO) – all states except WI
Blue Preferred POS – WI only
Member Services: (877) 557-3418

Where to fill your prescriptions

1 - 30-day supply
Any of over 68,000 in-network pharmacies, Allstate Good Life Pharmacy in Northbrook, or Wellness Center pharmacy concierge in Irving
Find a pharmacy

31 - 90-day supply
CVS Pharmacy including Target, CVS Caremark Mail Order, Allstate Good Life Pharmacy in Northbrook, or Wellness Center pharmacy concierge in Irving
Price your prescriptions

Blue Advantage HMO and Kaiser Permanente Options
Refer to the contact information

Want a quick comparison of your options? Download 2019 Medical Plan Overview

Get tips for choosing medical coverage. Watch the video