American Community is a mutual company.
That means that business decisions are made in the best interest
of the owners, the policy-holders. They are not made in the
best interest of stock-holders.
American Community has a “business
associate” agreement with all its writing agents. That
means that we can share PHI (protected health information)
with our agents without having to get authorizations from
their insured's. Better service is afforded agents because
of one-call resolution. The agent can talk directly with the
underwriter, claims analyst, or manager to resolve any problems.
Because of our BA Agreement, we give access
to underwriting notes and claims information on our website
www.american-community.com.
UNDERWRITING
Disclosed conditions are NOT considered
preexisting. When an insured puts everything on the application,
and we issue it with no restrictions, all claims (subject
to policy provisions) will be paid when the policy is in effect.
With underwriting done up front, the agent has less claims
service issues (rescissions), and they can spend more time
selling.
American Community underwrites using rate
ups and/or riders. This means more cases are able to be placed,
thus not wasting the agent’s time. The agent might also
contact the underwriter to see if a rider might be offered
in lieu of a rate up or vice versa. All this allows more flexibility
in an effort to place the case.
American Community allows communication
with our underwriters. We have an Underwriting Prospect Form
an agent can fax in, or the agent can call underwriting directly
to get an underwriting opinion. An agent can also contact
the underwriters to plead an insured’s case. The agent
could also ask if they might provide any additional information
that would help in getting the insured covered.
CLAIMS
Ancillary providers (anesthesiologists,
pathologists, radiologists, and ER doctors) will be paid at
the IN network benefit level as long as the insured has selected
an IN network hospital, doctor, and/or surgeon. This means
less claims problems to the agent.
Up front underwriting leads to fewer claims
problems and rescissions. With some competition not covering
preexisting conditions for 12 months, it allows them to utilize
the practice of underwriting at claim time.
With American Community, the agent spends
more time selling than servicing.
PRODUCTS
Community
Flex
Brochures:
Applications:
Design your own plan
$1000 Preventive care benefits per covered member, including
Physical exams
Premium guaranteed for 24 months for network deductibles
of $5000 and higher
Deductible waived on accidents
Vision Exam benefits included
$10,000 AD&D benefit included
Next Generation
HSA
Several deductibles available
Individual embedded deductible option
available. This helps make a high deductible plan more palatable
for first time buyers.
Waiver of deductible for 30 days Accident
Benefit included with no dollar.
