Overview

Supplemental medical plans through Allstate can help protect you from significant or unexpected out-of-pocket expenses and can complement your Caterpillar medical coverage. You pay the full cost for this coverage. 

We offer these three options:

Are Supplemental Medical Plans Right for You?

The Accident, Critical Illness and Hospital Indemnity Plans provide you with extra insurance for unexpected out-of-pocket expenses. But these plans are not right for everyone.

Our health plans already offer comprehensive coverage for the same conditions; however, you’ll first have to pay a copay or deductible and coinsurance. The supplemental medical plans can help you cover these costs.

Before you enroll, ask yourself:

• How likely is it that you or your dependents will get into an accident or develop a serious illness?
• Do you have enough savings to pay your copay or deductible and coinsurance?
• Does the extra cost of one or more of these plans make sense over time?
• What are the waiting periods and limitations of these plans?

Supplemental medical plans aren’t intended to replace medical insurance. Before you enroll, make sure you understand your risks and the benefits these plans provide.