Archive for Month: July 2018
National General Health Insurance Plans
National General Accident and Health is a branch of the National General Holdings Corporation. It focuses on providing short term and supplemental health coverage. All National General health insurance products are underwritten by four other companies focused on insurance. All four of those companies are permitted to provide health insurance in all of the states and the District of Colombia. The underwritten companies are each responsible for the product the company is associated with.
National General currently utilizes Aetna Open Choice PPO Network for Individual and Family Health Insurance.
National General Accident and Health has five products available to customers. The first is Short Term Medical, which is an insurance policy that can be purchased for a full year in most states. The next product is Supplemental Insurance, which is for unpredictable medical expenses. National General Accident and Health also provides Dental Insurance. Fixed-Medical Benefit is a product that offers set benefits on medical expenses. Finally, National General Accident and Health offers Medicare Supplement Insurance.
Short Term Medical
Short Term Medical insurance is designed to be an affordable insurance policy. The plan will provide financial protection for medical bills and other expenses related to health care. The plan will cover doctor visits, hospital stays, lab, x-rays, medical equipment, surgeries, etc. The Short Term Medical plan also covers emergency room visits and ambulance rides. Urgent care benefits are included in the plan and most plans cover Urgent Care with a $50 Copay.
The Short Term Medical Plan includes a wide variety of deductible and coinsurance choices to help settle upon a plan that best fits a budget. Coverage can be provided as soon as the next day, so there is not a long period between application and effective date. The plan will also allow a physician to be chosen through the national Aetna Open Choice PPO Network.
It is important to remember that this plan is designed to be short term, but healthy consumers often buy this coverage and their primary health insurance. There is also no guarantee that everyone will be eligible for this plan, as there is underwriting and pre-existing is not covered on temporary health insurance plans.
The Supplemental Insurance Plan is designed for unforeseen medical issues. For example, a sudden onset and diagnosis of a critical condition would be included with supplemental insurance. There are no network limitations on doctors, so people are free to choose any physician they like and cash benefits are paid to the insured. There are many different options to choose from, so a plan can be created for any budget.
Accident plans are available to cover accidental medical expenses, such as a broken bone. The Accident plans provides coverage for unexpected expenses related to accidental injuries, such as broken bones, cuts, sprains, etc. Some plans also offer coverage for accidental death and dismemberment. The Accident Fixed-Benefit plan is effective immediately and provides a cash payment to the insured person to help make up for unexpected medical expenses.
Hospitalization Sickness coverage is another possible supplemental plan. This plan helps cover hospitalization and related costs. It helps people keep financial stability whether because of deductibles or because of primary insurance having high deductibles. This coverage will pay cash directly to the insured to help with costs, allowing a person to use the money in a way that benefits them the most.
There are also Critical Illness plans. These plans are designed to help pay for treatments related to acute illnesses, or simply a cash benefit to the insured to help make ends meet while they are ill. The Cancer and Heart/Stroke plan gives a cash benefit to a person when first diagnosed with cancer, heart attack, or stroke, and it can be used in any way deemed necessary by the ill person. The Critical Illness – Term Life plan functions identically to the Cancer and Heart/Stroke plan, but it extends coverage a whole family rather than an individual.
The final supplemental plan offered is the Multi-Coverage Out-of-Pocket plan. Included here is the TrioMed plan, which provides supplemental insurance for the previous three types of coverage. It provides coverage for accidents, hospitalization, and critical illness. A plan enhancer can also be purchased. The enhancer provides a larger benefit.
As these plans are supplemental, it is important to remember that they do have limited benefits. The Supplemental Insurance plans are not meant to replace primary health insurance. The availability of coverage does change state to state, so it is important to remember that as well. These products are priced very well and are very popular with consumers.
National General Accident and Health offers two different dental insurance plans. Both plans provide access to the Careington Maximum Care Dental Network. Understanding these plans is important because dental health affects the health of the rest of the body. Dental insurance can help to keep dental health ventures affordable.
The Dental PPO plan offers an average of 40% reduced rates on dental. It includes three benefit levels, so it is easier to find a plan that fits one’s budget. This plan also has no waiting period for preventive care, so the needed coverage can be received almost immediately. The plan also provides discounts for all major and basic dental services.
The Dental Indemnity plan works differently than the Dental PPO plan. The Dental Indemnity plan will pay a cash benefit for dental checkups and treatments. Since this helps to catch small dental issues before they become large expenses, this plan mostly focuses on preventive care. There is the option to add a discount of around 42% to the plan, and there are no waiting periods. The Dental Indemnity plan does have a higher out-of-pocket expense for customers.
The goal of this plan is to rethink health insurance. Most health insurance plans are expensive, and copays and deductibles tend to get in the way of any benefits being usable. Rather than being waited down with deductibles and copays, customers are paid a set dollar amount on covered health care services. This helps the insured come up with money to pay their deductibles and copays. This plan plan also has a network of providers to choose from to access lower rates.
The plan comes with some other perks. When in-network providers are visited, there are discounts available for covered health care services. Health care is more easily attainable because there are no waiting periods and the benefits are easy to use. The plan will also give access to telemedicine and discounts on prescriptions.
The Fixed-Benefit Medical insurance plan is easy to use. All customers must do is present the insurance card at check-in. From there, the in-network health care provider will inform the insurance company what services were given to the patient, without the need of claim forms. The customer pays the remaining medical expenses once network discounts and benefits have been deducted.
The Medicare Supplement plan is designed to provide supplements for costs that may not be covered by Medicare Parts A and B. The plan provides a way to pay for unexpected health care costs without having to dig too deeply into savings. With this plan, set percentages are paid on covered on Medicare services. The deductibles and copays vary from plan to plan.
The plan provides some advantages. There are no network restrictions other than the doctors accepting Medicare, and no referrals needed for visits to specialists. For those living with a spouse, then the customer is eligible for a 7% discount on the premium for the household. There is a 30-day trial period, so if a customer dislikes the plan and returns it within that time period, the customer will be reimbursed any paid premiums.
The plan renews automatically and the premium increases or decreases along with Medicare deductibles and coinsurance. There is no waiting period, so a person is eligible to receive benefits the moment the plan goes into effect. Finally, there is no paperwork associated with filing a claim, the insurance card just must be shown to the health care provider and Medicare benefits are paid directly to the provider.
National General Accident and Health
National General Accident and Health has a variety of insurance products. This allows people to choose what is best for their health care needs. The company also provides many different payment options for its products, so a plan can be selected to fit many budgets. National General Accident and Health offers affordable insurance in the short-term, the long-term, and for teeth. Plans to supplement outside insurance are also available at affordable prices.
The Best Dental Insurance Plans Available
Golden Rule Insurance – A United Healthcare Company
These robust dental policies focus on common, major, and emergency dental procedures. Preventive care is something like a fluoride treatment and is without a waiting period or a deductible.
The plans cover basic dental services as well as major procedures like a root canal, but this depends on the plans deductible and waiting period. United Healthcare PPO offers more than 400,000 dentists, and no claim forms are needed since in-network dentists get direct payment.
There are some age restrictions on dental insurance. Some plans are for age 64 and above, while other plans are for under age 65. Many different plans are offered with many different benefits. Each plan can be customized to best fit the person purchasing it.
Humana is another insurance company that provides individual and family dental health insurance. Humana has a significant amount of dental insurance plans, all of which are affected by many factors. For example, age, gender, and dental needs can all affect the type of plan that is best for a certain individual.
Humana has plans that differ in benefits. Some plans have a higher premium, monthly payment, than others. Differing plans also have differing co-pays and deductibles, both of which are paid by the patient. Certain plans provide discounts, so the patient would pay the dentist directly at a discounted price. Again, Humana does not have an age limit.
Ameritas is another company that offers dental insurance. Ameritas has no age restrictions for its dental policies, and Ameritas allows next day effective dates to begin coverage.
Ameritas has no co-pays for preventive dental care, and these preventive care benefits are more expansive when using an in-network dentist. The network includes over 382,000 dentists, which reduces the amount of paperwork. Ameritas has a resourceful customer support team that is always available to answer questions and resolve problems.
Ameritas offers plans for individuals beginning as low as $19 a month for the most basic coverage in some states. The most expensive monthly individual plan is $35 a month, and it covers preventive care, restorative care, and orthodontic work. Plan premiums begin to change as more people are added, but Ameritas provides a wide enough variety that everyone should be able to find coverage.
Also see GPM Dental which uses Ameritas PPO Network.
Aetna is an insurance company that offers real insurance but like to market its dental discount plans. While not the same as insurance, the discount card will provide a some decrease in the cost of dental procedures for in-network dentists. For an individual, the cheapest discount plan is $7.99 per month, and, for a family, the cheapest discount plan is $10.99. For both, the initial cost is $15. We do not recommend these plans as they are not real insurance….
The discount has a network of dentists achieving more than 200,000 dentists across the United States. Most procedures will see a 15-50% discount through any of the available dental discount plans. Dental specialists accept the discount plans too. Some of the available discount plans offer discounts for vision and hearing care as well as dental care.
The dental discount plans are not as flexible as plans from Ameritas or United Healthcare, but they are still useful. The discounts may be enough for someone who cannot afford full-coverage or for someone who does not want to pay for full-coverage.
When using the Health Insurance Marketplace, it is possible to purchase dental insurance through the government. To get a dental plan through the Marketplace, a person must be purchasing a health plan as well. Some of the plans in the Marketplace come with dental insurance, which will be shown when comparing the plans. The coverage has low limits and it needs to be purchased with an SEP or during Open Enrollment…..it is not a very good product, certainly not the best dental insurance….
Insurance can seem like a complicated beast, but all it takes is some time to understand it. Finding the right plan for a family or individual can save more money in the end since waiting for a dental disaster can be expensive.
IHC Temporary Health Insurance Plan Overview
IHC Health Insurance has become one of many companies to surface over the last few years. IHC does not partake in any ACA qualified plans and focuses on consumer driven health products, such as Temporary Health Insurance. Many states allow clients to purchase back-to-back temporary policies. Many consumers have chosen this option as their preferred option for coverage. This is mostly due to the affordability of these policies and the flexibility of use.
This site works with a multitude of temporary and short term medical providers. We recommend filling out a quote form so shoppers can see the best selling plans in their area.
Temporary Health Insurance Options
IHC currently has two options for short term medical coverage. First we will discuss the Connect 2.0 plan which is the more affordable of the two options. The goal is to obtain affordable coverage and not worry about gaps in coverage while you’re between health care plans. Here are the most common reasons to buy a temporary policy.
Missed open enrollment: If you have missed the opportunity to Connect coverage during the open enrollment period, you may be ineligible to buy a major medical policy until the next open enrollment period, unless you have a qualifying event. No need to worry, we got you covered!
Waiting for an ACA plan to start: Many plans on the Health Insurance Marketplace are extremely expensive and offer only one effective
date, the first of the month. Depending on when you submit your application, and how long it takes you to prove qualifying for a SEP, Special Enrollment Period, you may have to wait up to 45 days for your coverage to begin. Often that is a best case scenario and sometimes it can take up to several months, or many consumers report having to wait until the next January 1st for coverage to begin.
Newly Hired: Often, an employer-sponsored plan includes a waiting period before health insurance benefits begin. No need to worry, we got you covered!
Filling the Gap: Coverage can begin as early as the day following your online application, if approved, and last up to 90 days. AND many states offer instant re-apply to obtain longer lengths of coverage.
Unique Plan Benefits
$50 Office Visit Copay: The copay applies to the first covered office visit during the policy period. After the copay, the balance of the
doctor office visit charge is covered at 100 percent. Additional covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests will be subject to plan deductible and coinsurance.
Deductible Options, You Decide: $1,000 | $1,800 | $2,500 | $5,000 | $10,000
The selected deductible must be paid by the covered person before coinsurance benefits begin. Family deductible maximum: Three individual deductible amounts per a policy term.
Coinsurance Percentages: a variety of coinsurance percentages including 20%, 30%, and 50% – You decide.
Out-of-Pocket Limits: $1,000 – $10,000 – You decide
Maximum Benefit per Term: $2,000,000
Check the rates on Short Term Health Insurance.
Covered expenses: includes treatments, services and supplies for:
- Physician services for treatment and diagnosis
- X-ray exams, laboratory tests and analysis
- Mammography, Pap smear and prostate antigen test
- Emergency room, outpatient hospital surgery or ambulatory surgical center
- Surgeon services in the hospital or ambulatory surgical center
- Services when a doctor administers anesthetics up to 20 percent of the primary
surgeon’s covered charges
- Assistant surgeon services up to 20 percent of the primary surgeon’s covered charges
- Surgeon’s assistant services up to 15 percent of the primary surgeon’s covered charges
- Ground ambulance services up to $500 per occurrence
- Air ambulance services up to $1,000 per occurrence
- Organ, tissue, or bone marrow transplants up to $150,000 per coverage period
- Acquired Immune Deficiency Syndrome (AIDS) up to $10,000 per coverage period
- Blood or blood plasma and their administration, if not replaced
- Oxygen, casts, non-dental splints, crutches, non-orthodontic braces, radiation and
chemotherapy services and equipment rental
Inpatient covered expenses:
- Hospital room and board, doctor visits and general nursing care up to the amount billed for a semi-private room or 90 percent of the private room billed amount
- Intensive care or specialized care unit up to three times the amount billed for a semiprivate room or three times 90 percent the private room billed amount
- Prescription drugs administered while hospital confined
Pre-existing Condition: Connect 2.0 will not provide benefits for any loss caused by or resulting from a pre-existing
condition. A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of
coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. (Notice Plan Option 2, Connect Plus (see below) does have a higher level of coverage for pre-existing).
Usual and reasonable charge: The usual and reasonable charge for medical services or supplies is the lesser of: a) the amount usually charged by the provider for the service or supply given; or b) the average charged for the service or supply in the locality in which it is received.
With respect to the treatment of medical services, usual and reasonable means treatment that is reasonable in relationship to the service or supply given and the severity of the condition. In reaching a determination as to what amount should be considered as usual and reasonable,
we may use and subscribe to a industry reference source that collects data and makes it available to its member companies.
Continuing Coverage: If your need for temporary health insurance continues, most states allow you to apply for another short-term medical plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation. It is best to fill out a quote and shop all available options and speak with an agent to get the best plan for you.
Connect Plus – Temporary Health Insurance with a limited benefit for pre-existing conditions. Providing peace of mind during times of transition.
Connect Plus is a short-term medical (STM) insurance plan with a limited benefit for pre-existing conditions. STM, sometimes called short-term medical limited duration insurance, is designed to provide coverage during transitions or gaps in major medical coverage. Most STM plans do not cover healthcare expenses for pre-existing medical conditions. Connect Plus provides a benefit up to a maximum of $25,000 for eligible pre-existing healthcare expenses. This policy is a step above the standard Connect 2.0 policy explained above.
Why Short Term Health Insurance?
Short Term Health Insurance plans provide coverage during life transitions. When you are between group insurance or individual major medical policies, these temporary health plans pay for covered medical expenses due to unexpected illnesses or injuries. Covered expenses include diagnostic physician visits, emergency room treatment, hospital stays, surgery, intensive care and more, but do not include maternity care or outpatient prescription drugs. Learn more about Short Term Health Insurance.
An IHC Health Insurance Plan may be right for you if you:
- Have missed the open enrollment period and aren’t eligible for special enrollment under the Affordable Care Act (ACA)
- Are waiting for your ACA coverage to start
- Are waiting for health insurance benefits to begin at a new job
- Are looking for coverage to bridge you to Medicare
- Are turning 26 and coming off your parent’s insurance
- Are losing coverage following a divorce
- Are needing an alternative to COBRA
- Are healthy and under age 65
Customize Your Plan: Select from various benefit levels which best meet your coverage and premium needs. You can also include other supplemental coverage such as dental or a discount prescription drug program to obtain additional coverage.
Quick and Convenient: Coverage can begin as early as the day following your online application. The underwriting process is simple and policy fulfillment, including claims and ID cards, are available online.
Cost Effective: Temporary health insurance plans are affordable. While short term medical does contain limitations when compared
to traditional major medical plans, the premium is generally lower.
You may want to keep the following in mind as you plan for your needs and
explore your options:
- IHC plans do not meet the Minimum Essential Coverage requirements under the ACA and may result in a tax penalty. Temporary plans are designed to provide temporary healthcare insurance during unexpected coverage gaps.
- The ACA-compliant medical plans are guaranteed issue, meaning you cannot be denied coverage based on your health history. These plans are underwritten, which means you must answer a series of medical questions when applying for
coverage. Based on your answers, you may be declined for coverage.
- Unlike the ACA plans, which are required to cover the 10 Essential Health Benefits (EHB), These IHC plans cover some EHBs but not necessarily all. Plans will vary in what they cover, so you should check your plan details carefully.
IHC Plans are not Affordable Care Act (Obamacare) Plans
IHC plans do not meet ACA standards. The ACA is a Federal law that requires all major medical plans to provide specific benefits and mandates that most Americans have health plans that qualify as Minimum Essential Coverage (MEC). These rules do not apply to IHC plans.
Pre-existing Condition – How it works
Unlike most temporary health plans, Connect Plus provides a benefit for eligible preexisting conditions. The plan provides up to a maximum of $25,000 for eligible medical expenses for a pre-existing condition, per person, per policy. After the $25,000 maximum has been reached, expenses due to pre-existing conditions are not covered. The definition of a preexisting condition is listed below:
A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. This period of time may vary by state.
Utilize a network provider and save
With your plan, you have the freedom to choose any provider. In certain markets, you also have access to discounted medical services through national preferred provider organizations (PPOs). These network providers have agreed to negotiated prices for their services and supplies. While you have the flexibility to choose any healthcare provider, the discounts available through network providers for covered services may help to lower your out-of-pocket costs. At the time of service, simply present your identification card which will include
the network information needed for the provider to correctly process covered billed charges.
Continuation of Coverage: If your need for temporary health insurance continues, most states allow you to
apply for another IHC plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation. Note that based on your state, you may be limited to two or three consecutive terms only.
Is Temporary Health Insurance the Right Choice for Me?
It is recommended to get a short term medical insurance quote on this site, so you can see a multitude of options. Then it is advised to speak with one of our licensed agents so you may ask questions and review products. Products vary greatly from state to state and an agent can help explain what is unique about your state. Since the start of the ACA, temporary health insurance plans have become more and more popular.