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World Health Insurance Company

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This review is for the World Health Insurance Company. Founded in 1903, the World Health Insurance Company provides customized health care insurance products for both individuals and families.

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World Health Insurance is rated A- (excellent) by the A.M. Best Company. In addition, World Health Insurance is accredited by the Better Business Bureau and has achieved an A+ rating from the BBB.

World Health Insurance Company Location

The main customer service center for World Health Insurance Company is located in Des Moines, Iowa, while the primary office for the claims department is in Eagan, Minnesota. The corporate office is located in Omaha, Nebraska.

The main toll free telephone number is 1.800.786.7557 and policyholders can reach a live customer service representation between 7:30 a.m. and 5 p.m.

The World Health Insurance Company offers protection to customers in 33 different states.

World Health Insurance Company Products

The World Health Insurance Company offers five different health insurance plans. The first is the basic medical insurance plan, which offers several different benefits to customers.

The basic plan offers coverage for preventive services that are not subject to any payment of a deductible or co-insurance. A prescription discount card can be used at more than 50,000 pharmacies across the country or for delivery at home.

The basic plan also covers any expenses associated with staying at a hospital including supplies, and there is no maximum amount set, so the plan will pay for the medical expenses as long has you have coverage.

In addition, the basic plan gives you the choice to choose your doctor or hospital, and you care covered either at in-network or out-of-network institutions. While coverage is provided for whatever provider you choose, you can receive the most benefits and savings by using in-network providers.

The basic insurance plan also offers an accident benefit, where any expenses from an accident are immediately covered even without a co-payment or deductible. This coverage can be as high as $10,000.

The second type of insurance offered through World Health Insurance Company is major medical insurance that is part of a health savings account. This coverage offers preventive services covered at 100% for you and your immediate family, as well as the benefit of just one deductible for the entire family.

Like the basic plan, the major medical insurance offers covers both in and out-of-network, and since the coverage is yours and not tied to your employer, you can keep it no matter where you are working.

Finally, you can put money directly into your own Health Savings Account and can in-turn deduct that amount from your taxes each year. In addition, the money you take from your Health Savings Account can be withdrawn for free to use for medical expenses.

World Health Insurance Company also offers a major medical insurance plan, which offers similar coverage to the basic insurance but with higher maximums and longer hospital stays.

The final health insurance product offers by the World Health Insurance Company is short-term medical insurance. This coverage offers three different deductible amounts, ranging from $250 to $1000. The short-term coverage also offers prescription coverage discounts that can be used at many different pharmacies.

Additionally, the short term insurance provides protection for up to $1 million against major medical expenses associated with treatments such as:

  • Doctor visits
  • Hospital stays
  • Intensive care
  • Emergency care
  • Prescription medication

The short-term care plan also allows you to choose your own physician.

World Health Insurance Company Dental Insurance

World Health Insurance also offers complete dental insurance. This includes preventative care and additional dental services including oral surgeries, crowns, and fillings.

Another benefit is that the preventive care is available immediately after signing up for coverage, while the other services go into effect after a certain length of time.

The dental care coverage through World Health Insurance includes three different options to make payments, as well as a guaranteed rate for the first year of coverage. In addition, there is no extra charge for out of network dental services.

You can also choose any dentist you want, and there are no restrictions regarding the care providers that perform the dental work.

Finally, there is no review of your previous dental work, and the forms to sign up are relatively short. Anyone who applies is accepted, and there are no dental exams required prior to coverage going into effect.

Payments for dental coverage can be made several different ways, including by credit card or automatic deduction from a checking account.

World Health Insurance Company Dental Careers

While there is no dedicated career page on the World Health Insurance Company website, there is an agent-recruiting page that gives information to interested individuals about becoming an agent with the company?

Is World Health Insurance the best choice for you? Enter your zip code today to view compare health insurance rates!

 

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