Frequently Asked Questions about Enrolling in Supplemental Insurance Coverage with Allstate
Supplemental insurance coverage is an additional insurance policy that helps cover expenses not included in your primary insurance plan. This can include out-of-pocket costs such as copayments, deductibles, and other medical expenses. The money goes directly to you and can be used for anything you decide to.
Supplemental insurance can provide financial protection by covering costs that your primary insurance does not. It can help reduce the financial burden of unexpected medical expenses and offer peace of mind. This is particularly important for public employees working for municipalities such as Los Angeles County or the City of Los Angeles, as they do not pay into the SDUI fund for disability and would need to have their own private disability insurance plan.
Eligibility for group supplemental insurance typically includes part-time and permanent employees of a company or government municipality that offers Allstate supplemental plans as part of their benefits package, such as Los Angeles County, City of Los Angeles employees, and California State Employees. Specific eligibility criteria can vary by employer.
If you’re a Los Angeles County or City of Los Angeles employee, enrollment usually takes place all year round. Typically, the effective date of the policy would be the following month from the date of completing the application and getting approved.
Allstate offers a variety of supplemental insurance plans, including accident insurance, critical illness insurance, hospital indemnity insurance, and more. Each plan is designed to cover specific types of medical expenses and situations.
Yes, you can enroll in supplemental insurance even if you already have primary insurance. Supplemental plans are designed to work alongside your existing coverage to help fill any gaps.
The cost of supplemental insurance coverage varies depending on the type of plan, coverage level, and other factors. Check the rates on this page by going to each product's info and clicking on the button for rates. Some plans offer additional coverage, and rates might not include these additional coverages (riders).
Group supplemental insurance plans often come with benefits such as lower premiums, simplified enrollment processes, and the convenience of payroll deductions. Additionally, group plans may offer broader coverage options than individual plans.
Some group supplemental insurance plans offer portability, allowing you to continue your coverage after leaving your job. Check with your agent to understand the options available for your specific plan.
To file a claim, you can contact Allstate directly or use their online portal. You will need to provide details of your claim, including any relevant medical bills and documentation.
For more information, you can reach out to your agent, benefits administrator, or directly contact Allstate’s customer service. They can provide detailed information about your specific plan and coverage options.
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