National Health Insurance Companies

National health insurance companies are insurance companies authorized to do business in all states of the United States of America, excepting New York. It is basically a Texas-domiciled insurer that has a California Certificate of Authority number of 4765. The national health insurance company was founded in 1923 as the William Harvey Life Insurance Company. It was in 1965 that the company was incorporated as the Trinity National Life and Accident Insurance Company, and added health insurance to its product line in 1966.

It was in 1975 that the National Health Insurance Company pioneered the first 100% catastrophic insurance plans. These plans had high deductibles for the self-employed and those having small businesses. It is the same market focus that has continued today. The name National Health Insurance Company came into use in 1978, and it was then that the company filed as a legal reserve company in the state of Texas.

There are many affiliated providers linked with National Health Insurance Company, like Beech street, Midlands Choice, Interwest, Multiplan, PHCS (Private Health Care System) and Pro-net. Policyholders of National Health Insurance Companies can approach these affiliate providers for any health problems they face, which are covered in their health insurance policies. However, as providers may sometimes withdraw from the National Health Insurance Company network, it is always better to confirm with the facility or physician of the affiliate if they are still participating in the network, before getting any medical treatment. If they are not participating, then you will not be able to make your claims with National Health Insurance Companies.

It should be remembered that the National Health Insurance Companies only provide health insurance policies to you, and are not responsible for the quality or outcome rendered by physicians and facility to you. One of the benefits of getting an insurance policy from National Health Insurance Companies is that insurance claims can be made from one of the many providers found all over America.

What Is The Difference Between Health Insurance Companies In California?

Whether you already know it or not California has a lot of options for health insurance. There are companies that we all heard of and there are some companies that we never heard of. With all the Health Insurance Companies out there you might be wondering what the differences are and which one is right for you.

First in state of California the health insurance companies you should be looking at are; Aetna, Assurant, Blue Cross, Blue Shield, HealthNet, Kaiser, Nationwide, PacifiCare, Celtic and a new company that is going to be available in state of California is Golden Rule. These are the largest carriers that are available in the State of California. If you are looking at any other company that was not mentioned previously, use caution. With all the health insurance premiums going up there are companies that prey on people with low premiums and coverage that does not cover anything. They are just out there to make a quick buck buy collection as much premiums as they can before you cancel your coverage. Stay away from companies that you never heard of, not matter what they tell you. If you hear something like, “affordable health insurance for self-employed”, run.

Second what you have to understand that the actual cost of insurance no matter what company you go with is about the same. So how do insurance companies have so many different plans with different premiums? If it is a large insurance company and the company ran efficiently that is how you get great premium with great coverage. What creates variety of prices for coverage is the creative aspect of the insurance company designing their plans. The way they do it is by deductibles, co-pays, co-insurance, drug coverage deductibles, whether the plan covers brand name drugs or generic drugs only, maternity coverage, maximum out of pocket, deductible and co-pays for all kind of different services.

The name we all know is Blue Cross Blue Shield. Blue Cross has been around since the recession of 1929, and it used to cost only 1 cent a day. The times have changes since then, but the Blue Cross name is still around. Blue Cross has been over the years the most stable largest health insurance provider in the United States. Their strategy is to keep rates stable and have stable rate increases. While most other plans might lower their rates to get more people on their coverage and then keep increasing their rates. There fore as some plans might be more attractive in premiums at the moment over time eventually they have to catch up with the actual market health insurance cost. Sometime the company has to charge people more for health insurance in the future so they can give more affordable rates today. Blue Cross will give the one of the largest varieties of plans to choose from and you can always downgrade a plan without going through underwriting is the monthly premiums because to expensive.

The most competitive health insurance coverage you will be able to get in California today is through Aetna and once Golden Rule plans come out by United Health Care then Golden Rule plans are going to be the most completive plan. Every time most of the large insurance companies enter a new state with a new plan they make that plan more competitive just to capture the percentage of that market eventually the company will have to raise their rates to the market level. Aetna plans in California are the most competitive. This is where you can get the most coverage for your money. Keep in mind that the Aetna Individual plans in the state of California do not cover Maternity.

Assurant Health Plans is provided through Fortis Insurance Company witch is the 26th largest company in the world and Fortis Insurance Company has been around since 1892. Assurant Health Plans are the most widely accepted and flexible plans that are available on the market today. Assurant Health Plans utilizes dozens of provider networks Nationwide to give you the worlds largest selections of doctors in United States and worldwide. Assurant Health Plans are the only plans that will cover you world wide as they will cover you in the United States. There is a big difference when insurance company says that you are covered for emergencies worldwide. Insurance company can make a final decision on whether that was true emergency or not. Assurant Health Plans have no such restrictions. Assurant is the only company that will allow you to move to different state without going through underwriting process all over again. That meant that with most companies even if it is a same company if you move from one state to another you have to cancel you policy in the current state and re-apply in the state that you are moving to. The down side with Assurant in some states is that they are not the most competitive and harder to get approved for. If you considering HSA plan, Assurant Health is the best options available to individuals and families.

Blue Shield of California is great coverage especially if it is young family looking for a plan with maternity coverage and for a family where one of the adults on the plans is significantly younger than the other. Blue Shield bases their monthly premiums on the youngest primary policy holder. This can be any adult in the family. Blue Shield plans have low maximum out of pocket and wide acceptance with doctors. A lot of doctors in state of California prefer Blue Shield plans because Blue Shield reimburses them faster than most other insurance companies. Keep in mind that in some states Blue Cross and Blue Shield are the same company in state of California they are two different insurance companies competing for your business.

HealthNet of California is the insurance company available in western states. HealthNet family plans are affordable, have some of the lowest maximum out of pocket and designed for healthy individuals and families. The new line of plans form HealthNet are their popular no deductible PPO plans. Which are some of the worst plans for families. No deductible plans are not designed for families since they have extremely high maximum out of pocket witch might be a great fit for single healthy individuals. HealthNet of California also offers some of the best HMO plans available on the market.

Health Net’s simple design and affordable plans are perfect match for healthy families. The way their family plans work is that once you meet your deductible HealthNet will pay 100% for all of your medical expenses after that. The down side is that their family plans do not cover regular sick doctor visits. The money that you are going to save monthly is going to be way worth no having doctor visits covered until the deductible is met. All you will get is negotiated rates that HealthNet has with doctors and hospitals. Your doctor office visits are going to cost you anywhere from $65 to $65 per visit.

Options For Small Business Health Insurance Plans

Small business health insurance plans cater to smaller businesses that have a little employee population. Most people who have smaller businesses find it hard to offer their employees medical plans due to the expensive quotes they encounter when looking for available options, especially since most employer-based plans are targeted at big companies. This is a big disadvantage since most people look forward to company benefits, especially health insurance plans.

According to surveys, a considerable amount of businesses don’t get insurance for their employees because of the expensive costs. This can prove disadvantageous to the business as employees won’t have much incentive to stay. Sick employees would then have to file a sick leave and cover their own medical expenses when insurance could have taken care of it. It is important for people to know that there are a lot of small business health insurance plans options that insurance companies offer.

Some, if not most, insurance companies offer group insurance plans, which is ideal for your business. There are some affordable ones, but there are also some very expensive ones. The most important considerations to determine how expensive a group health plan is going to be is by determining the age and the overall health of the employees. The cost can also depend on how many employees the company has; the more the employees, the cheaper the cost of the insurance coverage.

Small business health insurance plans can offer a lot of advantages to business owners as their employees are given an incentive to stay. This is also a good way of ensuring that your employees are well taken care of. By offering insurance to your employees, even if your run a smaller business, you can keep your most valuable employees. Most people also don’t mind earning a slightly lower salary provided that they have a health insurance plan.

However, businesses who have a very few number of employees, or no employees at all except for the owners themselves, might find it impossible to apply for a group insurance health plan. In this case, they would have to apply for a personal insurance plan. This may be a bit costly, but it can prove to be very beneficial in the long run.

Most smaller businesses succeed because they take care of their employees very well. Businessmen should remember that without their employees, their business won’t even run at all. Small business health insurance plans can benefit business owners as their employees become more productive because they know that their health is well taken care of.

Assurant Health Insurance Company of Arizona Review

Assurant Health Insurance Company of Arizona is one of the premier medical insurance companies in the state of Arizona. Of course, Assurant of Arizona is not the only choice in the Arizona health insurance market so read on to learn a little more about the different Assurant AZ health insurance plans available and if they make sense for your health insurance needs.

A company that has been growing within the United States, Assurant is given a rating of A- by A.M. Best meaning that they are doing everything they are financially stable and able to pay claims. The company was founded in 1969 and is based in New York; however the health care division of this great company didn’t get founded until 1982; so it’s a relatively new company within the “top dogs” of health insurance. Although it is relatively new to the United States, Assurant has established themselves as a global company that operated in the countries of Canada, United Kingdom, Denmark, Germany, Spain, Italy, Argentina, Brazil and Puerto Rico.

Although Assurant is not as big as some other ones in the state of Arizona, they do offer some great plans that can be of benefit to many people. They offer health care coverage to people that aren’t covered through their employers or other groups and they cover about 1 million people within the United States. It is important however, to shop around before deciding on which Arizona health insurance company to sign up with. Based on their ratings by A.M. Best, Assurant’s underwriting companies (Time Insurance Company and John Alden Life) are one of the top sellers in temporary health insurance and the company was one of the first ones to introduce Health Savings Accounts (HSA’s) into the market.

Within the state of Arizona the company offers 4 plans that are all fairly comprehensive in nature. Below you will find the 4 plans listed with a brief description of each one. The description will not include every piece of information possible about the plan, but it will summarize the most important things about it and the cost for each coverage option.

1. Coremed: One of the best things about this AZ health plan is that it offers you the option of locking in your rate for up to 36 months if you were to enroll and that you will be protected anywhere in the world. You will use the PPO network meaning that you won’t need the need of referrals when it comes to getting a second opinion or going to another doctor. You can also receive what they call a “Healthy Discount” if you maintain good health, which will give you 10% off services.

The beauty of this plan is that you can choose from a variety of deductibles according to your health care need. They offer deductibles from $0 to $10,000 with the highest deductibles having a lower monthly premium because they pay higher out of pocket expenses. Copays for doctor visits in case you have a deductible are $35, while you have to pay $45 if you don’t have a deductible. For prescription medications you will only pay $15, however if you want more than a generic medication you will have to pay $25 plus 50% co-insurance after a $500 deductible (the family deductible is $1,000). Hospitalization cost varies with deductible (it can be $0, $200 or $750) and you will pay a $75 fee for going to the emergency room.

2. Maxplan: When you apply for this plan you can expect a response within 48 hours and you can also lock in your rate up to 36 months depending on the coverage. You will also be covered everywhere in the world, be offered the “Healthy Discount” if you maintain good health and be using the Preferred Provider Organization (PPO) network. The deductibles on this plan range from $0 to $25000 making some of the rates lower than the Coremed plans.

Co-insurance for the services range from 0 to 50% and the out-of-pocket maximum can be $7500 or $10,000 depending on the plan you choose to purchase. Just like the other plan, you only pay $15 for generic medicines and refills, while brand name and specialty medicines have a deductible of $500 for individual and $1,000 for families.

Apart from the deductible you will have to pay a $25 copay plus 20% co-insurance. There is no limit on office visits and if you have a deductible you should expect to pay $25 while no deductible plans should expect to pay $35. The emergency room fee is also $75 and hospitalization is covered after you meet the deductible.

3. OneDeductible: This type of plans is Health Savings Account compatible and is very famous within the state for that same reason. It is chosen by many members because the plan can protect you from large medical bills, provides tax advantages ad keep premiums affordable. This type of plan has an individual deductible plan ranging from $0 to $5,000 and a family deductible from $2,000 to $10,000 accordingly. The prescription coverage, office visits and preventive services are covered with an emergency room fee of $75. Hospitalization is also covered.

4. SaveRight: This is the other side that Assurant offers to Health Savings Account members. The customer will only have three choices of deductibles: $2,200, $3,000 and $5,100 for an individual with the family deductible being two times that. Office visits and prescription medications are covered, however with prescription medications you will have a $2000 out-of-pocket maximum for brand and generic combined. Hospitalizations are also covered and emergency room visits are the same as the other plan ($75).