Allstate health insurance: key facts
| Item | Fixed indemnity (First Health network) | Short-term medical (Cigna PPO network) |
|---|---|---|
| What it is | Plan that pays fixed cash amounts for covered events | Temporary short-term, limited-duration medical coverage |
| Network | First Health Limited Benefit Plan network (not the First Health PPO network). Members look up providers at firsthealthlbp.com. | Cigna PPO network. Cigna is the network, not the insurer. |
| How it pays | Pays a scheduled cash amount for each covered event, the same dollar amount in or out of network; network providers may offer discounts on remaining costs. | Typically a share of covered bills after a deductible. Coverage on the Cigna PPO network. |
| Insurer | Shown in the plan documents for your state | Issued by National Health Insurance Company; administered by Allied Benefit Systems |
| How you apply | Quick application | Short questionnaire at application |
| How long it lasts | Shown in the plan documents for your state | Varies by state; your agent confirms the options in your state. |
| Availability | Varies by state | Varies by state; not sold in some states |
Product 1: Allstate fixed indemnity plans on the First Health Limited Benefit Plan network
These are fixed indemnity plans that use First Health's Limited Benefit Plan network — not the First Health PPO network. Members look up providers at firsthealthlbp.com. According to Allstate, the plan pays the same dollar amount no matter which provider you see, and there are no penalties for going out of network; network providers may offer discounts on whatever you still owe. Benefits are set amounts listed in the plan documents, so you know up front what each covered service pays.
Product 2: Allstate short-term medical on the Cigna PPO network
We also place Allstate short-term medical plans that use the Cigna PPO network. According to Allstate Health Solutions, these plans are issued by National Health Insurance Company and administered by Allied Benefit Systems. Short-term medical gives you flexible coverage on the Cigna PPO network that you can apply for year-round, and some plans start as soon as the next day. It typically pays a share of covered bills after a deductible. Availability varies by state.
Term lengths vary by state; your agent confirms the options in your state.
Why people choose Allstate health insurance
| What you get |
|---|
| Two private options you can apply for any time of year |
| Fixed indemnity plans use First Health's Limited Benefit Plan network and pay the same amount in or out of network |
| Short-term medical typically shares covered bills after a deductible and uses the Cigna PPO network |
| Year-round applications where the plans are sold |
Who it fits
- Fixed indemnity: people who want predictable fixed cash benefits and First Health network access.
- Short-term medical (Cigna PPO): flexible coverage any time of year, on the Cigna PPO network.
Our take as agents
We walk you through both Allstate options so you know exactly what each one pays. Always review the plan documents for your state before you apply. Plan names, benefits and prices depend on your state and the plan you choose, and we go through them with you before you apply.
Get an Allstate fixed indemnity or short-term medical quote. Call (813) 724-3314 (Monday–Saturday 8 AM–9 PM ET, Sunday closed) or Get your free quote in about a minute. We never charge you a fee for our help.
Frequently asked questions
How do Allstate health plans pay?
The Allstate fixed indemnity plans we place pay fixed cash benefits for covered events. The Allstate short-term medical plans typically pay a share of covered bills after a deductible on the Cigna PPO network.
What network do Allstate fixed indemnity plans use?
The Allstate fixed indemnity plans we place use First Health's Limited Benefit Plan network, not the First Health PPO network. Members look up providers at firsthealthlbp.com. The plan pays the same dollar amount in or out of network; network providers may offer discounts on remaining costs.
Does Allstate sell short-term health insurance?
We place Allstate short-term medical plans that use the Cigna PPO network where they're available. Those plans are issued by National Health Insurance Company and administered by Allied Benefit Systems. Availability varies by state.
How is an Allstate plan priced?
Allstate plans are private plans priced on their own. We'll quote your options directly.
Allstate Health Solutions also offers accident insurance and critical illness coverage.
Related guides
Sources (checked November 4, 2026)
- KFF — Examining Short-Term Limited-Duration Health Plans
- healthinsurance.org — Short-term health insurance (state availability, 2026)
- Allstate Health Solutions — Cigna PPO network for short-term medical
- Allstate Health Solutions — Allstate Health Access brochure
Plan availability and eligibility are determined by the carrier.