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Home Healthcare Plan News American Community Introduces Affordable Health Insurance Options

American Community Introduces Affordable Health Insurance Options

Posted on October 30, 2006 Written by Annalyn Frame

American Community Mutual Insurance Company has introduced two new consumer-choice health insurance plans for employer groups, families and individuals in Illinois, Iowa, Missouri and Nebraska. The new plans are designed to make health insurance more affordable, especially for small employer groups that may not be able to afford traditional coverage, the self-employed, and those not in employee-sponsored group plans, such as young adults who may no longer be eligible under a parent’s coverage.

The Next Generation HSA and Triple Tier PPO are low-cost PPO (preferred provider) health plans that take a creative approach to risk- and cost-sharing to reduce premiums, while assuring financial protection against catastrophic hospital and medical costs. The plans were introduced earlier this year in Michigan, Indiana and Ohio. Both plans include an industry-leading assortment of self-directed care management tools to help insureds stay healthy, make more informed use of health services, and receive access to health experts 24-hours a day.

The Next Generation HSA is a qualified high-deductible health insurance plan with unique features. These types of plans typically allow the insured to pay deductibles and co-payments from a tax-free Health Savings Account, but American Community adds three innovations, according to Gerald Meach, President and CEO.

First, it offers multiple payment-sharing options to help people select coverage to best fit their needs. Second, the family plan offers the option of a separate, lower deductible for individuals, letting them begin benefits earlier. Third, the deductible is waived for the first 30 days of care after an accident. “This best-in-class benefit saves members from being hit hard with unexpected expenses,” said Meach.

The Triple Tier PPO plan offers lower premiums by providing different benefit levels based on type of care. “The plan provides higher benefits for hospitalizations, emergency care and injuries, the most serious and costly treatments, with lesser benefits for outpatient, non-emergency care where the policyholder can take the time to evaluate, with our assistance, alternatives that can be more cost effective,” he explained.

Both the Next Generation HSA and Triple Tier PPO allow choice of doctors and healthcare providers, with highest benefits for insureds who use preferred providers recognized by American Community.

The company’s new plans offer a TelaDoc physician phone line, 24-hour nurse line, treatment cost calculator, web-based medical library, personal health & symptom evaluation tool, prescription drug pricing and research info, hospital cost comparisons, and health helper tips.

American Community is licensed in 38 states and has embarked on an aggressive program of geographic growth and coverage innovations to help keep health care affordable, according to Meach. The company plans to launch two new consumer-choice products in early 2007.

With beginnings dating back to 1938, American Community is one of the nation’s oldest health insurance companies. Today it markets coverage in Michigan, Ohio, Indiana, Illinois, Missouri, Iowa, Nebraska and Arizona through more than 6,000 independent insurance agents.

For more information about these new products, visit www.american-community.com.

Filed Under: Healthcare Plan News

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About Annalyn Frame

Annalyn Frame
Editor-in-Chief, Health Plan News

Annalyn Frame
Editor-in-Chief, Health Plan News

Annalyn Frame is a dedicated registered nurse and accomplished healthcare journalist known for her commitment to promoting accessible and accurate healthcare information. With a unique blend of medical expertise and editorial prowess, Annalyn serves as the Editor-in-Chief of Health Plan News, a leading online platform at the forefront of disseminating essential insights into the ever-evolving landscape of health plans, wellness strategies, and healthcare policy.

Professional Background:
Annalyn's journey in healthcare began as a passionate registered nurse, where she honed her clinical skills and developed a deep understanding of patient care. Her experience in various healthcare settings, ranging from bustling urban hospitals to rural community clinics, has given her a comprehensive perspective on the challenges and opportunities within the industry.

Driven by her desire to bridge the gap between medical knowledge and public awareness, Annalyn transitioned into healthcare journalism. Her keen ability to dissect complex medical concepts and translate them into easily digestible content quickly set her apart as a prominent voice in the field. Her articles, renowned for their clarity and accuracy, have empowered individuals to make informed decisions about their health and well-being.

Editorial Leadership:
As the Editor-in-Chief of Health Plan News, Annalyn Frame brings her healthcare expertise to the forefront. Under her guidance, the publication has become a trusted resource for professionals and consumers alike, offering timely updates on health insurance trends, legislative changes, cost-saving strategies, and innovative healthcare solutions. Annalyn's commitment to journalistic integrity ensures that readers receive information that is not only up-to-date but also reliable, enabling them to navigate the complexities of healthcare with confidence.

Advocacy and Impact:
Beyond her role as an editor, Annalyn remains a staunch advocate for accessible healthcare and health literacy. She frequently participates in community health workshops, seminars, and public speaking engagements, where she empowers individuals with the knowledge they need to take charge of their health. Annalyn's dedication to improving healthcare access extends to her volunteer work with underserved populations, where she leverages her nursing background to provide hands-on care and education.

Education:
Annalyn Frame holds a Bachelor of Science in Nursing (BSN) degree from a respected institution. Her academic foundation, coupled with her hands-on experience, allows her to offer a well-rounded perspective on healthcare matters.

Annalyn Frame's dynamic blend of nursing expertise and editorial leadership has made her a driving force in both healthcare and journalism circles. Her unwavering commitment to delivering accurate, approachable healthcare information through her role as Editor-in-Chief of Health Plan News underscores her mission to empower individuals and promote positive change within the healthcare industry.

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