national general accident health
National General Accident & Health, a well-known provider of individual health insurance products, has recently transformed significantly by integrating with Allstate Benefits. This integration marks a new chapter for both entities, combining their strengths to offer an even broader array of health and supplemental insurance products to individuals and businesses alike.
National General Accident & Health has long been recognized for its comprehensive range of insurance products, including accident, critical illness, and dental insurance. These products are designed to provide financial protection and peace of mind to individuals and families, helping them manage the costs associated with unexpected health events.
In 2021, Allstate acquired National General, bringing together two strong brands under one umbrella. This acquisition has allowed for the seamless integration of National General’s health insurance products into the Allstate Benefits portfolio. Allstate Benefits is renowned for its industry-leading group supplemental and health products, which include accident, critical illness, cancer, disability, hospital indemnity, and life insurance, among others.
With the integration, policyholders now benefit from an expanded team and enhanced customer service. The existing National General customer service teams have transitioned to Allstate Benefits, ensuring continuity and familiarity for existing clients. Additionally, the integration provides access to Allstate’s advanced technology platforms and the renowned Good Hands® customer service, further enhancing the overall customer experience.
The merger of National General Accident & Health with Allstate Benefits represents a unified approach to health and supplemental insurance. By leveraging the strengths of both brands, clients can now enjoy a more comprehensive suite of insurance solutions tailored to their specific needs. Whether through individual policies or employer group plans, the combined offerings provide robust coverage options designed to protect against a wide range of health-related expenses.
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Product Offerings
**Short-Term Medical Insurance**
Short-term medical insurance is ideal for individuals who need temporary coverage due to life transitions such as changing jobs, waiting for other coverage to begin, or recent graduation. These plans offer:
– Coverage for doctor visits, emergency room care, and urgent care benefits.
– Various deductible options ranging from $1,000 to $10,000 and coverage period maximums of $250,000 to $1,000,000.
– Access to the Aetna Open Choice PPO network, one of the largest networks in the country.
**Fixed-Benefit Medical Insurance**
Fixed-benefit medical plans provide set cash benefits for covered medical services, regardless of the actual cost of care. This includes:
– Basic and emergency care coverage.
– Cash benefits to help pay for medical expenses.
– Options such as National General Access and National General Foundation Health, with varying levels of benefits and enhancements.
**Accident Fixed-Benefit Plans**
These plans offer financial protection for unexpected accidents by providing cash benefits for medical expenses and other costs associated with accidental injuries. Key features include:
– Immediate cash benefits for covered injuries or services.
– No waiting periods and coverage regardless of other plan benefits.
– Affordable premiums starting around $25 per month.
**Critical Illness and Cancer Insurance**
Critical illness and cancer insurance plans provide lump-sum benefits upon diagnosis of a covered illness, helping policyholders manage the costs of treatment and recovery. These plans cover:
– Major illnesses such as cancer, heart attack, and stroke.
– Flexible benefit amounts to cover medical and non-medical expenses.
**Dental and Vision Insurance**
National General offers comprehensive dental and vision plans that include:
– Dental indemnity plans with no deductibles, coinsurance, or copays, providing fixed cash benefits for preventive, basic, and major services.
– Vision savings programs offering discounts on eye care and eyewear through a network of providers.
**Supplemental Insurance Options**
In addition to primary health coverage, National General provides several supplemental insurance products, including:
– Hospital indemnity plans that pay cash benefits for hospital stays.
– Disability insurance to cover income loss due to injury or illness.
– Term life insurance with critical illness riders for additional protection.
**Medicare Supplement Insurance**
For seniors, National General offers Medicare Supplement Insurance plans that help cover out-of-pocket costs not paid by Medicare, such as copayments, coinsurance, and deductibles.
Claims and Customer Service
How to File a Claim with National General Accident & Health
Filing a claim with National General Accident & Health is designed to be a straightforward and efficient process. Here are the steps you need to follow:
**Over the Phone**
**Call the Claims Service**: Dial 1-888-325-1190 to reach National General’s claims service team.
**Provide Information**: Be prepared to give the representative your name, address, and telephone number. Explain the situation that led to the claim.
**Answer Questions**: The representative will ask a few questions about the incident. Make sure to have a pen and paper handy to write down your claim number and other important information.
**Online**
**Visit the Claims Portal**: Go to the National General website and navigate the claims section.
**Report Your Claim Online**: Click on the option to report your claim online and follow the prompts to log into your National General account.
**Submit Details**: Answer the questions about what happened and submit your claim online.
You can always call the claims service team or use the online portal for additional assistance or to check the status of an existing claim.
Customer Service Excellence
National General Accident & Health, now part of Allstate Benefits, prides itself on providing exceptional customer service. Here are some benefits of having a dedicated support team for policyholders:
**24/7 Availability**
The claims service team is available 24 hours a day, 365 days a year. This ensures you can get help whenever needed, especially during emergencies.
**Highly Trained Representatives**
The customer service representatives are highly trained to handle various inquiries and issues. They can provide expert guidance and support throughout the claims process, ensuring you understand each step and what is required.
**Comprehensive Support**
From filing a claim to resolving issues and answering policy-related questions, the dedicated support team is there to assist you every step of the way. This comprehensive support helps to alleviate the stress and confusion that can often accompany insurance claims.
**Advanced Technology**
National General leverages advanced technology to enhance customer service. The online portal and mobile app provide convenient access to policy information, claims filing, and status updates. Services like MyClaimPics streamline the claims process, making it faster and more efficient.
**Personalized Assistance**
The support team offers personalized assistance tailored to your specific needs and circumstances. Whether you need help understanding your coverage, making changes to your policy, or navigating the claims process, the team is committed to providing the best possible service.
Comparison of National General Accident & Health with Similar Companies
| Aspect | National General Accident & Health | MetLife | Aetna | Cigna |
|---|---|---|---|---|
| Product Range | Short-term medical, fixed-benefit medical, accident, critical illness, dental, vision, and supplemental insurance. | Accident insurance, critical illness insurance, hospital indemnity insurance, cancer insurance, disability and absence services. | Accident treatment insurance, critical illness plans, hospital indemnity plans, supplemental health insurance. | Accidental injury insurance, critical illness insurance, hospital care plans, additional coverage for rehabilitation, transportation, and child care expenses. |
| Customer Service | 24/7 customer service, highly trained representatives, personalized assistance, advanced technology for policy management and claims filing. | Dedicated service teams for setup, enrollment, ongoing service, and claims. | Extensive customer support with 24/7 availability, live chat, and various contact options for personalized service. | 24/7 customer service with options for live chat and phone support, focus on whole-person health. |
| Claims Process | Claims can be filed online, via phone, or through MyClaimPics for eligible customers. Efficient processing with support throughout the process. | Streamlined claims process with online submission options and direct payments to policyholders. Quick processing with most decisions made within three days. | Claims can be filed online, by phone, or via mail. Quick processing and direct payments to policyholders. | Simple File process for automatic claims filing for eligible customers. Claims can be submitted online or by phone, with direct payments to policyholders. |
| Market Position | Part of Allstate Benefits, leveraging Allstate's extensive market presence and customer base. | One of the largest global providers of insurance, strong presence in the U.S. market, known for extensive employee benefits solutions. | Major player in the health insurance market, part of CVS Health, offers a wide range of health and supplemental insurance products. | Leading global health service company, comprehensive range of health and supplemental insurance products, focus on whole-person health. |
FAQs Related to National General Accident & Health Insurance
What types of insurance does National General Accident & Health offer?
National General Accident & Health provides a wide range of insurance products, including short-term medical, fixed-benefit medical, accident, critical illness, dental, vision, and supplemental insurance.
How do I file a claim with National General Accident & Health?
You can file a claim with National General Accident & Health through various methods:
- Online: Visit the National General claims portal and follow the prompts to submit your claim.
- Phone: Call the claims service at 1-888-325-1190 to report your claim and provide necessary details.
- MyClaimPics: For eligible customers, use the MyClaimPics service to submit photos of the incident and receive an initial estimate within 24 hours.
What is covered under National General's short-term medical plans?
National General's short-term medical plans cover a variety of services, including doctor visits, emergency room care, ambulance services, and urgent care facilities. Coverage details vary depending on the specific plan selected.
Are National General Accident & Health plans available in all states?
National General Accident & Health offers its products in many states, but there are some exceptions. Short-term medical plans are not available in states like Massachusetts, New Jersey, New York, Rhode Island, Vermont, Alaska, California, Delaware, Michigan, Minnesota, Montana, Nebraska, New Hampshire, North Dakota, Washington, and Connecticut.
How does National General Accident & Health handle customer service?
National General Accident & Health, now part of Allstate Benefits, provides 24/7 customer service with highly trained representatives. They offer personalized assistance and advanced technology for policy management and claims filing, ensuring a smooth and efficient process for policyholders.
What are the benefits of National General's accident fixed-benefit plans?
National General's accident fixed-benefit plans provide immediate cash benefits for covered injuries or services without waiting periods. These plans are designed to offer financial protection for unexpected accidents and cover medical expenses and other related costs.
How does National General's critical illness insurance work?
National General's critical illness insurance provides lump-sum benefits upon diagnosis of a covered illness, such as cancer, heart attack, or stroke. These benefits can be used to cover medical and non-medical expenses, helping policyholders manage the costs of treatment and recovery.
What dental and vision plans does National General offer?
National General offers comprehensive dental and vision plans, including:
- Dental Indemnity Plans: No deductibles, coinsurance, or copays, with fixed cash benefits for preventive, basic, and major services.
- Vision Savings Programs: Discounts on eye care and eyewear through a network of providers.
How do National General's supplemental insurance options work?
National General provides several supplemental insurance products, including hospital indemnity plans, disability insurance, and term life insurance with critical illness riders. These products are designed to offer additional financial protection for various health-related expenses not covered by primary health insurance.
What is the market position of National General Accident & Health?
National General Accident & Health is part of Allstate Benefits, leveraging Allstate's extensive market presence and customer base. This integration enhances their ability to provide a broad range of health and supplemental insurance products to individuals and businesses.