Healthy Family

Allied Health Insurance Review, Pros and Cons, Coverage, How to Apply

Allied Health Insurance is a popular health insurance provider that offers affordable and customizable plans for individuals, families and businesses. With a large provider network and coverage options for a range of healthcare needs, Allied Health Insurance aims to make quality healthcare accessible and affordable.

In this comprehensive guide, we will provide an overview of Allied Health Insurance, including the pros and cons, types of plans and coverage offered, how to apply, customer reviews and satisfaction ratings, alternatives, and more. Whether you are considering switching to Allied Health Insurance or are just beginning your search for health insurance, this guide will provide valuable insights to help you make an informed decision.

About Allied Health Insurance

Health insurance Claim
Credits: Canva

Allied Health Insurance is a subsidiary of Allied Benefit Systems, Inc., which has been providing health insurance solutions since 1971. Headquartered in Chicago, Illinois, Allied Health Insurance serves over 100,000 members across the United States.

Some key things to know about Allied Health Insurance:

  • Offers individual and family health insurance plans that are Affordable Care Act (ACA) compliant.
  • Provides group health insurance plans for businesses of all sizes.
  • Has an extensive provider network with over 500,000 physicians and 3,500 hospitals nationwide.
  • Features online tools to find in-network doctors, manage claims, access ID cards, and more.
  • Offers telehealth services for convenient access to care.
  • Has highly-rated customer service and helpful resources on their website.

Pros and Cons of Allied Health Insurance

Pros of Allied Health Insurance

  • Affordable premiums – Allied Health Insurance offers very competitively priced premiums across their health insurance plans. This makes it more budget-friendly compared to some other major insurance providers.
  • Range of plan options – From catastrophic coverage plans to comprehensive coverage, Allied Health Insurance has plans that fit a variety of healthcare needs and budgets.
  • Large provider network – With over 500,000 physicians and thousands of hospitals in their network, it’s easy to find in-network providers throughout the U.S.
  • Member perks – Discounts and special offers on vision, dental, prescription drugs, and alternative medicine are available.
  • Highly-rated customer service – Allied Health Insurance customers consistently rate their customer service and claims processes as quick and helpful.

Cons of Allied Health Insurance

  • May not be available in all states – Allied Health Insurance plans are not offered in some states currently. Be sure to check availability in your location.
  • No out-of-network coverage – Most Allied Health Insurance plans only provide coverage for in-network providers. Going out-of-network results in higher costs.
  • Prior authorization required for some services – Certain medical services and procedures require prior authorization before being covered. This can delay treatment in some cases.
  • Mixed reviews for claims processing – While customer service ratings are generally positive, some customers report issues with claims processing and reimbursement delays.
  • Telehealth services only offered in some plans – The ability to access care through phone or video is limited to certain Allied Health Insurance plans. Check whether it’s included in the plan you choose.

Plans and Coverage Offered by Allied Health Insurance

Health Plans
Credits: Canva

Allied Health Insurance offers a variety of individual and family health insurance plans to meet diverse needs and budgets:

  • Catastrophic Health Plans – These bare-bones plans provide protection from worst-case medical scenarios. Deductibles are very high but premiums are low. Best for the young and healthy.
  • Bronze Health Plans – The lowest level of coverage required by the Affordable Care Act. Modest premiums but high out-of-pocket costs when care is needed.
  • Silver Health Plans – A middle-ground option that balances premium costs with deductibles. Out-of-pocket limits help manage costs.
  • Gold Health Plans – More generous coverage with lower deductibles and copays. Ideal for those who expect frequent medical care. Premiums are higher.
  • Platinum Health Plans – The highest level of coverage with the lowest out-of-pocket costs. Best option for high utilization of healthcare services. Most expensive premiums.

All plans cover essential health benefits like preventive services, hospitalization, and prescription medications. But the costs for these services vary significantly based on the plan you choose. Those wanting robust coverage with lower deductibles will pay higher monthly premiums.

How to Apply for Allied Health Insurance

Here are the steps to take when applying for health insurance coverage through Allied Health Insurance:

  • Compare Plan Options – Use the online quoting tools on the Allied Health Insurance website to browse and compare available plans in your state. Consider your expected healthcare usage and budget.
  • Start Your Application – Begin the online application process by creating an account and providing some basic personal information. Applications can also be completed over the phone.
  • Enter Household Details – Provide details on all family members to be covered under your insurance plan. Include birthdates, Social Security Numbers, and current health information.
  • Select a Plan – Choose the health insurance plan that meets your coverage needs and fits within your budget from the available options. Record the plan name and details.
  • Complete Forms – Fill out all required application forms thoroughly. These gather additional personal, employment, health, and financial details from you.
  • Make First Payment – Select a payment method and submit your first monthly premium payment to activate coverage. Auto-pay options are also available.
  • Finish Enrollment Steps – Finish any final enrollment steps, such as setting up your online account. Then your health insurance coverage can begin on your start date!

Allied Health Insurance Reviews and Customer Satisfaction

Allied Health Insurance Review, Pros and Cons, Coverage, How to Apply 7

Overall, customer feedback and reviews for Allied Health Insurance indicate positive experiences and satisfaction rates:

  • On the Better Business Bureau (BBB), Allied Health Insurance is accredited and maintains an A+ rating based on customer reviews.
  • Trustpilot scores Allied Health Insurance at 4 out of 5 stars based on over 750 customer reviews. 78% of customers rate them as ‘Excellent’ or ‘Great’.
  • Customers highlight the affordable premiums, ease of submitting claims, and helpful customer service as advantages of Allied Health Insurance.
  • The primary complaints relate to prior authorization requirements, limits on coverage for certain services, and delays in claims processing times.
  • Many customer reviews indicate switching to Allied Health Insurance yielded significant savings compared to other major insurance providers.

While there are some mixed experiences, the majority of Allied Health Insurance customers are pleased with the plans, pricing, and services received. Customers seeking affordable healthcare coverage tend to rate Allied Health Insurance positively.

Allied Health Insurance Alternatives

Credits: UnitedHealthcare

Some top alternatives to consider if you are shopping for health insurance include:

  • Kaiser Permanente – Features integrated healthcare and insurance through their own network of providers and hospitals. Limited to certain regions.
  • Humana – Extensive plan options including HMOs, PPOs, Medicare Advantage, and more. Strong wellness program.
  • Cigna – Global health service company with a vast provider network. Competitive pricing and member perks.
  • Blue Cross Blue Shield – Preferred provider organization (PPO) plans from a trusted insurance leader. Network availability in every state.
  • UnitedHealthcare – The largest health insurer nationwide. Wide variety of individual and employer-based plans.

Be sure to compare premium costs, deductibles, coverage details, provider networks, customer service ratings, and additional perks among plans when choosing health insurance. Finding the right balance of affordability, coverage, and customer service is key.


In summary, Allied Health Insurance provides quality individual and family health insurance focused on affordable premiums and robust provider networks. While plan limitations exist, overall customer satisfaction remains high. The wide variety of plans enables customization around specific healthcare needs and budgets. For many seeking budget-friendly coverage, Allied Health Insurance represents an appealing option over pricier competitor plans. Conducting thorough research and comparing all options is advised when selecting a health insurance provider.