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Health Protection Health Insurance Company

Health Protection USA is a subsidiary of the H.C. Murray Corporation, which was founded in 1978 and offers insurance and financial services. Health Protection does not market its own insurance products but acts as an independent broker for various insurance companies in the state of Ohio. It does not operate outside of Ohio. Health Protection USA specializes in finding clients the best possible health insurance plans at the best rates.

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Health Protection USA Company Information

Health Protection USA works with private individuals, families, and businesses to find them the best deals in health insurance while making sure the insurance plan also meets the clients’ needs. They are based in Independence, Ohio, and are listed as a Better Business Bureau accredited business. Their website provides a great deal of information for consumers in regards to frequently asked questions about health insurance and ways to save money when purchasing health insurance. They recommend the following as the best ways to save money if you have a tight budget:

  • Agree to a higher deductible
  • Use an insurance broker to help you shop around to find the best deal
  • Set up a Health Savings Account or HSA

Health Protection USA Contact Information

Health Protection USA provides you with an easy to use online form, which you can submit with any questions or comments. You can also receive an instant quote via an online form, or complete a slightly longer online form and have an agent contact you with a more specific quote tailored to your needs. Additionally Health Protection USA can be reached by phone or mail. Their customer service department is open Monday through Friday from 7:30am to 4:00pm.

Mailing Address:

6133 Rockside Road #304
Independence, OH 44131
Phone Number: (888) 9-LIFE-USA

Available Health Protection USA Private Health Insurance Plans

When you use Health Protection USA as a broker to purchase your health insurance you will have several options to choose from. Prior to making a decision you should make sure you understand each of them and which one will best meet your healthcare needs and budget. The following are the most popular types of health insurance plans that Health Protection deals with. Each one can be customized to meet your needs.

  • PPO Plan

This stands for Preferred Provider Organization. With this common type of health insurance plan, your insurance company will provide you with a list of preferred providers within their network. By using these doctors and hospitals you will pay little to no money for your medical services. You have the option of using a doctor outside of the preferred provider network, but you will pay more.

  • HMO Plan

HMO stands for Health Maintenance Organization. With this type of plan you are required to choose a primary care physician who is within the insurance company’s network. This doctor will then coordinate any specialty care you require with specialists who are also within the healthcare network of providers. Your insurance company will not cover any services rendered by a doctor or hospital outside of their network.

  • HSA Eligible Plan

These plans are usually PPO plans with a higher deductible that are designed for use with a Health Savings Account. Money put into these accounts is tax free. With these plans, deductibles are higher but monthly premiums are generally lower.

  • Indemnity Plans

Indemnity plans allow you the most freedom to direct your own healthcare and visit any doctors or hospitals you wish. The insurance company agrees to pay a certain amount of the charges and you pay the rest. With certain companies you must pay for services up front and then you are reimbursed a portion by the insurance company. These plans typically cost you the most for medical services rendered; however, you are free to go wherever you choose.

Health Protection USA Employee Benefit Plans

Health Protection USA also brokers employee benefit plans for small and larger businesses. Health Protection deals with the following employee benefit services:

  • Group Medical Plans
  • Group Dental Plans
  • Group Life Insurance
  • Group Disability Insurance
  • Group Long Term Care Coverage
  • Cafeteria Plans
  • Voluntary Benefits
  • Self-Funded Plans
  • Premium Only Plans
  • Health Savings Accounts (HSAs)
  • Health Reimbursement Accounts (HRAs)
  • 401K Retirement Plans

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