The Assurance Health Insurance Company is known as HealthAmerica/HealthAssurance and provides coverage for both individuals and families as well as those eligible for Medicare benefits. When looking for a health insurance company that meets your needs, these facts about Assurance will help you to determine if they are a good match.
Read this Assurance Health Insurance review, browse to the bottom of the page to read customer reviews of Assurance/HealthAmerica/HealthAssurance, and then if you are a customer then leave your own customer review and rating of Assurance!
Once you have finished reading the reviews and ratings then be sure and enter you information into the free health insurance quote tool on the top of this page to compare quotes from many different health insurance providers online.
About HealthAmerica/HealthAssurance
Coventry Health Care, Inc. is the parent company of HealthAmerica/HealthAssurance. As of the end of 2008 HealthAmerica has over 500,000 policyholders and provides benefits to over 11,000 businesses in Ohio and Pennsylvania. For more than 34 years HealthAmerica has provided health insurance benefits to employers throughout the state of Pennsylvania. HealthAmerica/HealthAssurance’s corporate offices are in Harrisburg, PA and Pittsburgh, PA.
HealthAmerica Awards and Recognition
In 2008 HealthAmerica was listed #12 on the U.S. News/NCQA American’s Best Health Plans of 2008 for the entire United States. The HMO and POS plans for HealthAmerica Pennsylvania/HealthAssurance Pennsylvania were ranked 4 out of 5 stars in the consumer assessment category, 5 out of 5 stars in the prevention category, and 4 out of 5 stars in the treatment category.
HealthAmerica/HealthAssurance
Health Insurance Plans
HealthAmerica/HealthAssurance offers PPO, HMO, POS, HRA, FSA, and HSA plans in addition to offering riders for supplemental coverage like dental, vision, prescription coverage, durable medical equipment, and Medicare.
The plans all have access to regional networks of doctors and hospitals and also some members have access to the nationwide Coventry National Network.
HealthAmerica/HealthAssurance
Health Insurance Quotes
The Assurance Health Insurance Company offers a number of plans that will pay benefits to you when you need them most. The next step in your search for products that will give you the protection you need to meet your financial obligations when you are ill or injured is to get quotes from reputable companies. You can get started today by clicking on the free insurance tool at the top of this page. Why don’t you find out how affordable your coverage can be?
12 Customer Reviews of “HealthAmerica/HealthAssurance Health Insurance Company”
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Review by Susan, June 19, 2010
Health America has got to be one of the worst insurance companies I have ever had. The rates are sky high and the coverage low. My employer had to switch to them and now it is a constant problem every time I have to get a prescription filled. God forbid my children or myself need anything other than a doctor’s visit($1000 per person deductable) This insurance company only wants to insure people who don’t use it! They even go so far as to tell you dosages on prescriptions, no matter what your doctor prescribes. I pay way more a month than I will ever receive! And they call themselves the #1 insurance company. That’s a crock!
Review by Debbie, September 2, 2010
Please stay away from this insurance company if you have a family history of cancer or have cancer even if its in remission. Pre-authorization is required for chemotherapy. Since I’m a insurance coordinator I can tell you no other insurance company needs me to pre-authorize chemotherapy. Why would this insurance company? Greed? If your provider wants to start chemotherapy and pre-authorization is late they tell you that pre-authorization can be re-troactive, they then tell you pre-authorization is approved, your provider then gets a call and will be told that payment can’t be made because retroactive authorization is not allowed. In a busy oncologist office this type of requirement is ridiculous. I would give a negative stars if I could!
Review by Brandon, September 13, 2010
PLEASE PLEASE PLEASE stay away from Health America. I am a parent of a child with autism and have had nothing but bad luck with Health America. They have denied every pre-authorization we have ever filed because “they never got the paperwork” even though our doctor’s office sends it and we also send it certified mail. The customer service reps are horrible as each one will give you a different answer. We are currently owed $13,000 for procedures that we had to pay out of pocket. The have sent us $400.00. I have recorded every single phone call that I have made and am planning on going to an attourney as I have over 80 hours of calls recorded and still no luck. PLEASE STAY AWAY!
Review by Rick, March 7, 2011
My company just switched to a plan through HealthAmerica. BIG MISTAKE!!! I was insured through this company about eight years ago through the employer I had at that time and it was the worst experience I had with insurance in my life.
I thought it was illegal to practice medicine if you weren’t a doctor but the underwriters at HealthAmerica sure do it without penalty. They declined payment of most everything that my doctor requested. Especially prescriptions. They didn’t cover squat. I ended up paying for my own medications which cost me a fortune. I hated having this insurance.
I was constantly on the phone trying to figure out why they declined this or declined that. If my doctor feels that I should be taking a specific medication and they don’t cover it, what happens when I get even more sick from not taking that medication or getting the treatment that they felt I didn’t need and then I end up having to have surgery? Yea, that actually happened. The idiots wouldn’t pay for a $100 per month prescription but by golly they ended up having to fork over the doe when I went through surgery which cost about $25,000. It takes a true mindless person to think that way. Way to go, nothing like saving your company moron.
So here I am faced with this crappy insurance again. They need to call it uninsurance. And guess what happened today? You guessed it…they declined a prescription for my son who is very sick and needs it. Guess who I’m going to sue if my son gets worse! I’ll give you one guess. HealthAmerica sure will take your money, but don’t expect to get any coverage for your efforts.
Review by no sleep at night, March 15, 2011
Please please please stay far away from this insurance and pray for me and my family!
As the posters above stated they are horrible.
The customer service is terrible and what one person will say will be totally different from the next.
My daughter who is 4 had a first time seizure. She was rushed to the hospital because she was drooling unresponsive and hand was twitching on one side.
It was a scary event and to make matters worse Health America wrote me a letter to say, “Your daughter has been authorized to get the hospital care, however that doesn’t mean that we’ll pay for it” They want to try and find a loop hole to get out of paying for her care.
Every time i try and call those people they can never give me a strait answer as to what everything will cost.
If they end up not paying for her bill I may just have no choice but to let the hospital take my house because I am not able to pay for that even on a payment plan.
To top it off I have skin cancer and they won’t tell me straight out what it would cost to operate on it. They just say, “well, it could be a co-pay it could be your $2,000 deductible it all depends on how the dermatologist bills the insurance.”Than they go on to say,” You just have to wait until you get the bill” This may be another medical bill unpaid by me because again I just can’t afford it. They’ll just have to take my house.
And again my daughter now needs to see a neurologist 50.00 co pay for the specialist and they bill me separate for any MRI or eegs that are done. Again,”they can’t tell me what all this will cost. ” 2,000 deductible or $150.00 co-pay for these tests. what is it?
Than I’m having a baby in July had I known it was 2,000 deductible for me and 2,000 deductible for my newborn I would of tried to save for that. But it wasn’t until AFTER I got pregnant that my OB/GYN said that I must pay a 4,000 dollar deductible for the entire family.
Now I’m stuck. Literally stuck. This is the only insurance my husbands company has.
I too will be seeing a lawyer and Health Insurance can pay for everything including pain and suffering.
Review by one who knows, April 22, 2011
This is by far the WORST health insurance I’ve ever had. My employer switched to Health America late last year. I just got a bill for $248.00 for lab work my doctor ordered. HA paid a total of $23.00 of the total bill. I’ve never had to pay for a blood test EVER. We also have a $3,000.00 deductible. The coverage is crap and very expensive. Avoid Heath America at all costs.
Review by Debby, August 11, 2011
Health America is the worst!!!!!!!! Their Rep came into our office and told us how great their plan was….needless to say she neglicated to tell us about PRIOR AUTHORIZATIONS. I needed prescriptions that required prior authorizations….so I have not taken my High Blood Pressure and Diabetes medications for 4 days now. My Drs office said that Health America will not approve my High blood pressure meds (I guess that maker does not give them perks). They want me to call around and find the cheapest….I take 8 different meds…I wand my meds all at one pharmacy…in case there is a reaction. They do not care about you…they want you to save money so they get in their paychecks. If your Employer wants to get Health America —- TELL THEM NO!!!! I have have several health issues — including heart problems. I can not wait to drop over so my family can sue them. I am to have a total hysterectomy (due to abnormal cells in my uterus) next week — I was approve but in their approval form is states “it may be denied” I called them and the girl that answered the phone laughed at me – I hung up. DO NOT GIVE THEM YOUR BUSINESS!!!!! Read all the reviews above and mine and stay away from their plans.
Review by Debby, August 20, 2011
I submitted a review 2 weeks ago about how horrible HealthAmerica is. It was on this website and now it’s gone. Please stay away from Health America.
Review by Kris marshall, August 24, 2011
Health America is the worst insurance company we have ever had. We had insurance with them for one year and we are still trying to get our medical bills paid because they deny everything. You will regret getting insurance through this company. Save your money and the aggravation. It is the same as having no insurance anyway.
Review by anonymous, October 9, 2011
Stay way from this “company.” They’re crooks! They take your application over the phone, make you an offer, and then charge your checking account for the first month’s premium before you accept their offer. This is the most deceptive form of marketing, and sales that I have ever seen. They need to be shut down. When I complained, they were rude and condescending to me to point of slandering my character. I have a case pending against them. This is a scam.
Review by any, October 26, 2011
Please stay away from HAM. Especialy if you need mental health/substance abuse benefits which are carved out to MHNet which are the worse.
Review by ., November 10, 2011
Absolutely the most horrible insurance company in the world. I can’t even begin to describe the issues we’ve had with them since switching over. Totally a mistake. I hope they lose everything in a class action suit.
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