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Core Health Insurance
from United States Fire Insurance Company, administered by SASid
Insurance Development
Single rates from $101 to
$323 per month
Family rates from $362 to
$874 per month
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Top user questions:
Core Health Insurance is a limited medical insurance plan that
is popular with people who cannot access or cannot afford other
types of health insurance. It is designed and priced to
help people gain initial access to health care and to save money on the types of
medical
expenses that we encounter most frequently.
Core Health Insurance is an "exempted benefit" under the
Affordable Care Act. As such, it enjoys some advantages that
keep coverage more affordable by limiting the benefits that must
be provided. This insurance is suitable for individuals who are not eligible for coverage under the Affordable Care Act or those who are exempted from coverage.
It may also be used to supplement coverage under a minimum
essential benefit policy or any other insurance policy. Read
more and get a personalized proposal.
There are four
different Core Health Insurance plans
to choose from, distinguished only by their
price and the maximum amount of coverage provided. All four
options will be displayed when you get a quote. The less
expensive plans are better for supplemental coverage (if you
already have catastrophic coverage) and the more expensive plans
are better if used as a substitute for major medical coverage.
Read more and get a personalized proposal.
Yes, this is perhaps the most important benefit of
Core Health Insurance. It is a valuable first step toward improved
health care and financial stability by offering access to the
medical system even if it does not pay the majority of the cost
of treatment. Read more and get a personalized proposal.
It is important to understand these significant differences
between major medical insurance and limited benefit medical
insurance:
Major medical insurance typically has a high deductible but
covers most medical expenses above that deductible. Treatment
must be determined to be medically necessary and the price
charged must be determined to be reasonable in order to qualify
for coverage. Some people may be excluded from coverage and the
premiums are relatively high. Major medical insurance sometimes
offers continuity of coverage when switching to a group type
coverage.
Core Health Insurance has no deductible, covers 100% of
expenses up to the stated limit and does not cover large bills
above the stated coverage limits. There is no attempt or
expectation of covering the entire amount of a medical bill.
There is no determination of medical necessity and the insurer
does not evaluate the reasonableness of the charge. Benefits are
simply provided according to the pre-set benefits schedule.
Everyone is eligible regardless of medical history and the
premiums are relatively low. There is no continuity of coverage
when changing policies.
Both types of coverage offer access to medical care when you
need it and include a network of doctors and hospitals who have
agreed to accept lower payment to plan members than the would
otherwise charge.
Read more and get a personalized proposal.
Core Health Insurance uses the
Multiplan Limited Medical Benefit preferred provider network but this does not mean that doctors and hospitals will accept
the insurance as full payment for services.
Read more and get a personalized proposal.
Yes. But keep in mind that if you already have diabetes then
this is a pre-existing condition and some types of medical
treatments will be subject to a waiting period at the beginning
of a new policy. If you use prescription supplies to treat your
diabetes then be aware that Core Health Insurance provides only
a discount not insurance coverage for prescriptions.
No; but a DrugCardAmerica retail pharmacy discount card is included with your enrollment package.
Read more and get a personalized proposal.
Yes, there is a one time $50 enrollment fee.
The current monthly premium rates are:
|
Monthly Rates
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Physician
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Value
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Gold
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Platinum
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Individual
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$101.03
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$144.84
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$233.05
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$323.26
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Individual + Dependent(s)
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$162.62
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$235.79
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$383.02
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$533.49
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Married,
No Dependent(s)
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$184.86
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$268.63
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$437.18
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$609.44
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Family
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$262.49
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$383.29
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$626.22
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$874.34
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Yes Core Health Insurance covers pre-existing medical
conditions but with two limitations during the beginning of a new
policy: First, there are no hospital or
surgery benefits for treatment of pre-existing conditions in the first twelve
months of the policy. Second, there is no sickness benefit for
the first 30 days of the policy.
Read more and get a personalized proposal.
Yes. They vary depending on the policy selected so see
your schedule of benefits.
Read more and get a personalized proposal.
Yes. Coverage can start as soon as the online application
is completed. It takes at least a few days (sometimes a few
weeks if by mail) to cancel coverage because a written
cancellation form is required.
Read more and get a personalized proposal.
Yes. Benefits are determined and paid separately and
independently of other coverage. Core Health Insurance is
suitable for use as supplemental coverage.
Read more and get a personalized proposal.
The primary complaint is that members were "sold" the
coverage by a sales agent who did not explain the
differences between Core Health and major medical insurance
and the member did not bother to read the schedule of
benefits that is provided on the enrollment page and in the
policy. The second most common complaint is that individuals
give their personal information and credit card information
to individuals who claim to be agents but the insurance is
not issued. Obviously we encourage you to avoid both of
these practices.
Read more and get a personalized proposal.
News
January 9, 2014 - The U.S. Department of
Labor issues a
statement
in the form of FAQs recognizing the increase in popularity
of limited indemnity insurance like Core Health Insurance and
stated it plans to issue regulations to further expand the use
of this type of coverage in the individual insurance market. The
DOL writes "
January 3, 2014 - This Web site was updated
to reflect that Tony Novak is no longer a member of the Better
Business Bureau. The change stems from disagreements related to
the launch of the Affordable Care Act exchanges and navigator
programs in the fall of 2013. More information on the bizarre
series of miscommunications is posted at
www.tonynovak.com.
November 24, 2012 - Core Health Insurance is
now available for the members of the
National
Association of the Remodeling Industry with no application
fee and specific additional benefits. Local NARI associations
may be compensated for marketing efforts by endorsing and
advertising the program o its members. Local association
participation is not required for a NARI member to receive the
additional benefits. A Web page for the
Bucks / Mont NARI chapter was published today but is
expected to be modified when the association adopts an agreement
with us for endorsement and marketing.
June 26, 2012 -
Core Health Insurance plan
for the members of the American Correctional Association
launches July 1, 2012 as an non-sponsored association benefit
plan. This means
that the plan is not endorsed by the ACA at this time and the
ACA is not involved in the marketing of the plan. The association management may consider
sponsorship at a later date but there is no need for ACA members to
wait to enroll in this plan.
June 8. 2012 - AUIC Core Health Insurance
announced that there will be no increase in premium rates for
2012 but some maximum benefit limits will be reduced.
Additionally, new enrollments will be temporarily suspended in
Georgia, Michigan, and North Dakota while policy filing changes
are sought with the insurance department regulators in these
states. An enhancement of the Preferred Provider Network was
announced; this will be introduced later in 2012.
Read the full announcement.
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Get a quote and enroll online in minutes!
 This is
defined benefit insurance that does not cover all medical costs.
Available in Alabama, Arizona, Arkansas, California,
Colorado, Delaware, District of Columbia, Florida, Hawaii,
Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Minnesota,
Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio,
Oklahoma, Pennsylvania, Rhode Island, South Carolina, South
Dakota, Tennessee, Texas, Utah, Virginia, West Virginia,
Wisconsin and Wyoming. (Core health insurance is
temporarily unavailable in Michigan and North Dakota).
Details of coverage may vary by state.
Preferred provider network (PPO) medical service providers are listed at
Multiplan Limited Benefit Plan Network.
Contact the Core Health Insurance administrator's
office directly for all verification, billing and claim
questions at (800) 279-2290. If no answer, leave a
detailed call-back message.
NEW! Core Dental Insurance is now available
with medical insurance or as a
stand-alone coverage. Either way, we think you will agree
this is the best dental insurance available to individuals and
families.
Have a question about eligibility or enrollment for any
health insurance plan? E-mail
OnlineNavigator for a fast response.
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Learn
how Core Health Insurance can work for you...
