Allstate

Allstate is a trusted name with a wide variety of plans to choose from. Justin can write a variety of different health plans with Allstate, but one of his favorite products to recommend in Allstate Triomed (below).

You can always schedule in a Zoom call with Justin (bottom of this page), or - visit the contact page for more information.

Allstate Products:

TrioMed (guaranteed Issue)

Triomed is an affordable 3-in-1 product that is ideal for adding to ACA plans to protect your from high deductibles. The Allstate Triomed Plan combines Critical Illness, Accident Protection, and Accidental Death and Dismemberment (AD&D)into one policy. There are various configurations available, with the idea being to protect you from high deductibles if the worst should happen. After a small $250 deductible the accident plan reimburses your expenses up to the maximum allowable amount (see video). The AD&D and Critical illness benefits pay a fixed lump sum upon the AD&D event or first diagnosis with a covered critical illness.

Justin's Special Notes for TrioMed Accident (TX, FL MI):

✅ Guaranteed Issue
✅ Issue Age 18-64, renewable to age 70
✅ $250 deductible on accident
✅ $2500 / $5000 / $10,000 coverage options for accident or AD&D
✅ Accident pays covered expensses up to the selected benefit amount
✅ Critical Illness and AD&D can go to $15k or $30k if desired
✅ CI pays lump sum cash benefit upon first diagnosis only
✅ CI pays 100% for member, 50% for covered spouse, 25% for children
✅ Note: Must seek treatment within 30 days and receive all follow up care within 26 weeks
✅ Note: Purchase through association membership with LIFE association: Telemed (and counselors by phone), Up to $28 per month for gym membership
✅ EFT, Visa, MC, Discover

TrioMed Accident: Example

TrioMed Video: Watch on YouTube

[Self Enroll Online] [See the Brochure]

Short Term Medical

Alstate's Open Provider Path Short Term Medical is available in TX and NC. Its a short term medical option that offers a lower premium and no network. There's no waiting period for sickness and your policy can start tomorrow. Additionally there is no social security number required. It also allows children as young as 60 days on their own policy.

Justin's Special Notes for Open Path Short Term Medical (TX, AZ):

✅ Go to any provider
✅ No waiting periods - not even for sickness.
✅ Can be sold today with a tomorrow effective date
✅ Term can be from 30 days up to 36 months
✅ Urgent care copay $50 (deductible is waived for urgent care)
✅ No social security number is required! No residency questions!
✅ Simplified Issue (can be Guaranteed Issue on the 12 month term)
✅ K/O's include Pregnancy, Diabetes, HIV/AIDS, Cancer, Organ Failure, and more (5 year lookback)
✅ Discount up to 20% if they can pass the preferred rate questions (if elligble)
✅ Add Recurro for $9.95 to get 95% of the most commonly prescribed medications for a $0 copay - use the Recurro card at the pharmacy
✅ Uses reference based pricing (pays 130-160% of the usual and customary charges - 130% for providers, 160% for facilities)
✅ The youngest child is the applicant, siblings would be dependents

Allstate Open Provider STM

Video: Watch on YouTube