Our Rating: ★★★★★
National General health insurance is now Allstate Health Solutions. Allstate bought National General in 2021, and its short-term medical and other health plans are now sold under the Allstate Health Solutions name. They remain some of the best "short term" or "catastrophic" health insurance on the market.
The bottom line: Allstate Health Solutions short-term plans offer term lengths of up to 12 months in many states, access to the Aetna PPO network, and a range of deductible choices, which makes them a stand-out option in a crowded field. Plans are sold in about 30 states, and terms and benefits vary by state. Allstate does not sell short-term medical in some states, including Pennsylvania.
More About Allstate Health Solutions
Plan Designs
Coverage Length
The amount of time you can have a plan varies by state. In many states you can get an initial term of up to 12 months, renewable for up to 36 months, while some states cap terms at a few months. See What States Can I Get a Year-Long Short Term Health Plan In 2027?
What's Covered?
Short Term Medical insurance, as its name implies, isn’t meant to be a long-term solution. While it covers some medical expenses, it doesn’t cover everything. Make sure you take a look at what you need your health insurance to do for you and compare it to the benefits provided through Short Term Medical.
| Covered | Not Covered |
|---|---|
| Doctor visits, urgent care, ambulance service and emergency room care | Outpatient prescription medications, eyeglass prescriptions and vision therapy |
| Diagnostic testing, mammograms, cancer testing, radiation therapy and Chemotherapy | Normal pregnancy, or diagnosis and treatment of infertility |
| Surgery, inpatient and outpatient hospital benefits, and hospital confinement benefits | Any medical expenses resulting from pre-existing conditions |
| Physical therapy, skilled nursing facility benefits and home health care | |
| Child immunizations, transplant benefits and more |
The examples provided are from larger lists of covered and non-covered services. For the complete listing of non-covered services, please refer to the Limitations and Exclusions pages in the attached brochure.
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