Single rates from $101 to $323 per month
Family rates from $362 to $874 per month
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 | Physician | Value | Gold | Platinum |
Individual |
$101.03 |
$144.84 |
$233.05 |
$323.26 |
Individual + Dependent(s) |
$162.62 |
$235.79 |
$383.02 |
$533.49 |
Married, No Dependent(s) |
$184.86 |
$268.63 |
$437.18 |
$609.44 |
Family |
$262.49 |
$383.29 |
$626.22 |
$874.34 |
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.
January 4, 2016 - Core Health Insurance enrollment suppot is enhanced to allow web site visitors to schedule a telephone support call at their convenience.
April 9, 2014 - Core Health Insurance is no
longer being issued in Colorado, Missouri, and Utah. Existing
policies continue unaffected by this change. The plan
administrator hopes that the withdrawal from these states will
be temporary and the coverage will be re-introduced under a new
product filing with the state insurance department. Meanwhile,
other Members Insurance Exchange offerings may be an option:
1) QHP Supplement Insurance - designed to help offset
the out-of-pocket costs associated with Qualified Health Plans
2) Deductible Supplement Insurance - designed to help
offset the out-of-pocket costs associated with high deductible
major medical insurance plans
3) AmeriDoc - access to a board-certified doctor by
phone, webcam, or email, 24 hours a day, 365 days a year. The
unlimited plan for an individual or an entire family is a flat $19.95 per
month.
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.
OTHER NEW COVERAGE OPTIONS:: Obamacare supplement insurance, and high deductible insurance and a telemedicine plan also administered by SASID are available to help lower the high out-of-pocket expense of Affordable Care Act policies. Read more information, get rates and enroll online.
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CORE HEALTH INSURANCE IS A SUPPLEMENTAL INSURANCE AND IS NOT A REPLACEMENT FOR OBAMACARE. This insurance is not intended to help members or their employers comply with the provisions of the Affordable Care Act commonly known as the "individual mandate" and does not offer the provisions known as "minimum essential coverage" and will not satisfy the individual responsibility requirements of section 5000A of the Code. Questions about compliance with the Affordable Care Act may be directed to the free consumer assistance program at www.OnlineNavigator.org. Members of the Association of United Internet Consumers (AUIC) have access to this insurance, online discount programs including discount prescription drugs, and educational materials. As a member of AUIC, you are eligible for exclusive rates and plans. AUIC membership is available at time of insurance enrollment.
This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator" at P.O. Box 333, Newport NJ 08345.Telephone (800) 609-0683, Email tnovak@freedombenefits.net. DO NOT USE THIS TO COMMUNICATE WITH CORE HEALTH INSURANCE. Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed. "Core Health Insurance" is a brand owned by SASid, not related to the operator of this web site but marketed under a producer license agreement.