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Allstate Hospital Expense Plans in Ohio
A hospital stay can cost thousands even with insurance. Allstate Hospital Expense Protection Plus pays you set cash amounts when you are admitted and for every day you stay, starting at $11.88 a month for a 40-year-old in Columbus. Compare all six plans below, with real Ohio prices.
Allstate Hospital Expense Plans in Ohio (Plans A-F)
Hospital Expense Protection Plus is Allstate's lowest-cost hospital plan in Ohio. It pays set cash amounts when you're admitted to the hospital, for each day you stay, and for ambulance and observation care. The base plans (A, B and C) focus on hospital stays; the max plans (D, E and F) add office visits, lab tests and X-rays. Every plan pays from day one with no waiting period, lets you use any hospital, pays in addition to any other coverage, and is guaranteed renewable to age 65.
| Benefit | Plan A$11.88/mo | Plan B$19.48/mo | Plan C$29.61/moMost Hospital Cash | Plan D$17.59/mo | Plan E$22.66/mo | Plan F$33.65/mo |
|---|---|---|---|---|---|---|
| Hospital & Emergency | ||||||
| Hospital admission (1/yr) | $1,500 | $3,000 | $5,000 | $500 | $1,500 | $3,000 |
| Hospital stay, sickness or injury | $150/day up to 31 days | $150/day up to 31 days | $150/day up to 10 days | $150/day up to 31 days | $150/day up to 31 days | $150/day up to 31 days |
| Intensive care | Not included | Not included | Not included | Not included | Not included | $1,000/day 1 day |
| Observation unit (1/yr) | $750 | $1,500 | $2,500 | $250 | $750 | $1,500 |
| Emergency room | Not included | Not included | Not included | Not included | Not included | $250 (4/yr) |
| Ambulance (ground / air, 1/yr) | $250 / $25,000 | $250 / $25,000 | $250 / $25,000 | $250 / $25,000 | $250 / $25,000 | $250 / $25,000 |
| Outpatient | ||||||
| Office visit | Not included | Not included | Not included | $75 (2/yr) | $75 (2/yr) | $75 (2/yr) |
| Urgent care visit | Not included | Not included | Not included | $75 (2/yr) | $75 (2/yr) | Not included |
| X-ray / radiology | Not included | Not included | Not included | $50 (2/yr) | $50 (2/yr) | $50 (2/yr) |
| Lab test | Not included | Not included | Not included | $50 (2/yr) | $50 (2/yr) | $50 (2/yr) |
| Monthly Cost | ||||||
| Plan premium | $11.88 | $19.48 | $29.61 | $17.59 | $22.66 | $33.65 |
| LIFE Association membership | $4.10 | $4.10 | $4.10 | $4.10 | $4.10 | $4.10 |
| Est. monthly total | $15.98 | $23.58 | $33.71 | $21.69 | $26.76 | $37.75 |
Pricing note: Sample rates for a 40-year-old non-tobacco male in Columbus (ZIP 43215), quoted September 21, 2026. Hospital Expense plans require a LIFE Association membership, which added $4.10 a month in this quote. Conditions you already have are not covered for the first 12 months, and these plans do not cover outpatient prescriptions, mental health or substance abuse treatment, or pregnancy (except complications). Benefit details are from Allstate brochure AHS_HEPP_1051-1 (Rev. 04/2023). Any cost above the benefit amount is your responsibility.
Who they fit: people who want a cash safety net for a hospital stay at a very low monthly cost, people with other coverage who want extra hospital cash, and anyone who wants more than Plan A's $1,500 admission benefit can step up to Plan C's $5,000 for about $30 a month. If you want larger benefits for doctor visits, surgery and tests, compare Allstate Health Access plans in Ohio.
Frequently Asked Questions
Is Hospital Expense Protection Plus health insurance?
No. It is a fixed indemnity policy, not major medical health insurance. It pays set cash amounts when you are admitted to the hospital and for each day you stay, no matter what the hospital bills. It is not ACA minimum essential coverage, and you pay anything above the benefit amount.
What is the difference between the base plans and the max plans?
The base plans (A, B and C) focus on hospital stays: $1,500, $3,000 or $5,000 when you are admitted, plus $150 a day. The max plans (D, E and F) pay a smaller admission benefit but add $75 for office visits and $50 for lab tests and X-rays. Plan F also pays $250 for emergency room visits, up to four a year, and $1,000 for a day in intensive care.
Is there a waiting period?
No. Benefits for a covered sickness or injury start on your coverage date. Conditions you already have are not covered for the first 12 months.
Can I use any hospital?
Yes. There is no network. The plan pays the same set amount at any hospital, and the money goes to you to use however you need.
Can I keep it alongside other coverage?
Yes. The plan pays in addition to any other insurance you have, so many people add it to an ACA plan, an employer plan or a short-term plan for extra cash during a hospital stay.
Is there a membership fee?
Yes. In Ohio, Hospital Expense plans are sold with a LIFE Association membership. In our sample Columbus quote it added $4.10 a month, and your quote shows the exact amount.
How long can I keep it?
The plans are guaranteed renewable to age 65, as long as you pay your premium. Allstate can change rates for everyone in your class with notice.
What is not covered?
Conditions you already have (for the first 12 months), outpatient prescriptions, mental health and substance abuse treatment, and pregnancy except complications, among other exclusions. Ask us for the full list before you apply.
Get Your 2026 Allstate Quote
Licensed Ohio agents will price every Hospital Expense plan for your age and ZIP code, with no obligation.
Allstate Health Solutions is the marketing name for products underwritten by National Health Insurance Company and other Allstate companies. Hospital Expense Protection Plus is a fixed indemnity policy and is NOT major medical coverage or minimum essential coverage under the Affordable Care Act; it pays limited, fixed dollar amounts and is not a substitute for comprehensive health insurance. A LIFE Association membership is required in Ohio. Pre-existing conditions are not covered for the first 12 months. Mental illness, substance abuse, outpatient prescriptions and pregnancy (except complications) are among the items not covered; see the policy for the full list of limitations and exclusions. Estimated premiums are based on a sample profile (ZIP 43215, age 40, male, non-tobacco, quoted 09/21/2026) and will differ for each applicant. Benefit details are from Allstate brochure AHS_HEPP_1051-1 (Rev. 04/2023). This page is general information and is not a contract. ohiohealthagents.com | (330) 800-5931.