American Fidelity provides a number of different supplemental health insurance policies as well as disability income cover. Its supplemental health insurance policies include a hospitalgap plan (also known as Hospital-Gap Plans) and hospital indemnity policy. With these plans you can purchase coverage for medical expenses that are covered in your state’s standard insurance coverage, while still having the advantage of insurance payment flexibility.
American Fidelity Health Insurance covers hospital costs and can provide coverage for both outpatient and inpatient hospital care. The hospital gap policy will cover any costs associated with hospital stays not covered by other medical insurance plans. The hospital indemnity policy is designed to give you the added security of insurance payment flexibility, while still giving you peace of mind that your medical bills will be taken care of. These policies will also cover major surgery expenses.
With an American Fidelity Health Insurance policy, there is a cost associated with having both your medical and dental services covered. You will pay a percentage of the total premium and deductibles for those medical services. The premiums and deductibles are based on your current health, age, location and occupation. In order to take advantage of the lower premium amounts associated with the American Fidelity Health Insurance policies you must maintain a high level of health.
While you’re on the American Fidelity Health Insurance policy, you won’t be able to get a pre-existing condition excluded. You will however have some options available to you to lower your premiums.
You can lower your premium amounts by increasing your deductibles, reducing or eliminating the benefit of your insurance coverage, reducing or eliminating the benefits provided by your health insurance carrier, opting for a group health plan instead of individual or family health plan, opting out of employer-sponsored health insurance, and purchasing individual health insurance. Additionally, you will be able to decrease your premium by changing the health insurance company from an employer-sponsored plan to an individual or family plan.
When deciding on which health insurance company you would like to purchase your plan from, the American Fidelity Health Insurance Company recommends that you obtain at least three quotes. There are different health insurance providers who can provide you with the best possible plan at affordable prices.
Some people consider American Fidelity a competitor to Aetna and Kaiser Permanente but they are actually complementary companies. In fact, they are often referred to as the Blue Cross and Blue Shield Companies. They are two of the largest providers in the country. Although they are competitors, they work together to offer the best possible coverage for their customers.
You will need to make sure that you read and understand all the fine print before deciding on an American Fidelity Health Insurance policy. It’s a good idea to discuss the specific insurance policies offered with an agent, before signing on the dotted line.
One of the best things about this health insurance company is that they cover everything you might need to be covered by other health insurance companies. They will offer you health coverage for a family, yourself, children, your home, and even your car and boat. This means that you will have all the coverage you need and not have to worry about what’s being left out. They also offer supplemental health benefits that are not part of the basic plan.
Some of their medical coverage includes mental health and dental coverage. It’s worth looking into American Fidelity Health Insurance’s medical plans if you think you may have any pre-existing conditions. These plans are considered group insurance and so it pays a portion of the cost to help you get care.
American Fidelity Health is not just focused on helping you pay for your medical needs, but also provides a number of other benefits such as vision care and prescription drug discounts. If you need prescription drug coverage, you’ll be pleased to know that you can get an affordable discount. If you have vision problems or need eye exams regularly, you may qualify for discounts.
American Fidelity Health Insurance is one of the most respected health insurance companies in the nation. They are committed to providing excellent customer service and they have a number of health insurance plans that will suit your needs.