Group Coverage

Are you overpaying for group health care benefits?

How do you find out?

Step 1

Contact us at CCasady@MyHST.com with the basic makeup of your group. We can do over the phone or we can send you a simple census form to complete.

Step 2

Let us take care of everything else!

Health coverage for small businesses that protect employees and the bottom line

Our Self-Funded Program is specially designed to provide affordable health benefits for small- and mid-sized businesses. Compared to traditional fully-insured plans, you get more plan options, usually at a lower cost, without sacrificing quality health coverage for your employees.

How self-funding works

With the Allstate Benefits Self-Funded Program, you have one predictable monthly payment2 that is split three ways:

  1. Claims fund - Your contribution to the claims account is determined upfront and is guaranteed not to increase for a full year as long as there are no changes to your group's benefits or enrollment.

  2. Stop-loss insurance - If your group's claims are higher than expected, stop-loss insurance protects your business's assets.

  3. Administration - All day-to-day administration of your self-funded plan - including claims processing and customer service - is taken care of for you, so you're free to focus on your business.

Your refund potential

If your group's claims are lower than expected, you may get a refund of a portion of the difference at the end of the plan year.3 About 60% of our groups receive a refund.4

Flexible features

  • Flexible deductible options

  • Coinsurance from 50% to 100%

  • Dedicated account manager

  • First-dollar coverage for preventive care

  • Access to national PPO networks

  • Excellent member services

  • Prescription, urgent-care and emergency room copay options

  • A valuable telehealth service that can save you money

  • Add dental and vision plans for a more robust package

Pick your level of coverage

Our Self-Funded Program provides flexible health coverage and contract options for small- and mid-sized companies. We can find a plan that suits your needs, whether you need coverage for 2 or 500 employees.

Disclaimers and notes

1Source: https://www.statista.com/statistics/985324/self-funded-health-insurance-covered-workers

2Employers with 51 or more group members can choose to pay claims as they are incurred, instead of making payments into a claims account.

3Refund is subject to any applicable Terminal Liability Coverage fee. Refund offered with level-funded plans only.

4Based on the percentage of groups that received a refund for plan years 2017 through 2019.