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American Pioneer Health Insurance Company

Dino Christoforakis
Dino Christoforakis

Editor in Chief & Licensed Insurance Agent.

This American Pioneer Health Insurance Company Review explores Lake Mary, Florida-based American Pioneer Life Insurance Company. American Pioneer helps senior citizens to obtain health insurance products such as Medicare supplement and dental insurance. The company also sells Senior Tribute life insurance.

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The company’s immediate parent is Universal American Corp., based in Rye Brook, New York. Both companies are ultimately owned by CVS Caremark Corporation of Woonsocket, Rhode Island.

American Pioneer Health Insurance Contact Information

Contact American Pioneer headquarters at:

1001 Heathrow Park Lane
Lake Mary, FL 32746-4776
Phone number: 407-628-1776

Contact parent company Universal American at:

6 International Drive Suite 190
Rye Brook, NY 10573-1068
Phone number: 914-934-5000

American Pioneer Health Insurance Customer Service

Toll-free Customer Service: 800-999-2224

Monday to Thursday from 8:00 a.m. to 6:00 p.m. Eastern Time

Friday from 8:00 a.m. to 4:00 p.m. Eastern Time

American Pioneer Health Insurance Agents

The company employs a small insurance agent sales force and uses an independent insurance agent and broker network throughout the United States to market and distribute its products and services.

Interested independent health insurance brokers and agents may apply to sell the company’s insurance programs on the company website. Insurance agents may communicate with the company via secure portal. Brokers may also check on client status and commissions on the company’s website, or call the company toll-free at 800-538-1053 between the hours of 9:00 a.m. and 5:00 p.m. Eastern Time.

American Pioneer Health Insurance and Senior Citizens

The aging of the U.S. population continues, and American Pioneer Health Insurance’s potential insurance customer base increases each year. American Pioneer helps approximately 290,000 Medicare Advantage customers with fee-for-service (sold as “Today’s Options”), PPO, and HMO health care products. The company also sells supplemental Medicare insurance. In addition, the company sells annuity, life insurance, and burial insurance policies (sold as “Senior Solutions”). Sister companies sell hospitalization and disability insurance programs for self-employed customers throughout the United States.

The company’s Medicare Advantage PPO was launched in several states in 2009, and continues to expand to additional states. The Medicare part D operations were sold in 2011 (the company had 1.9 million Medicare part D customers).

Senior customers have access to a variety of health insurance programs and services in 2011, including:

  • Medicare Select (Traditional Medicare Supplement Insurance benefits at less cost)
  • Medicare Advantage (Additional benefits for seniors)
  • Medicare Supplement (MediGap coverage for deductibles and co-pays, and outpatient expenses)
  • Acute Care Services (Covers recuperation and short-term care)
  • Hospital Indemnity Coverage (Assists in helping patients pay for rising hospital costs)
  • Dental Insurance (Dental care needs of senior patients)
  • Whole Life Insurance (Burial and Final Expense coverage)

The company markets cancer and critical illness coverage policies through its immediate parent company, Universal American Insurance. Universal American also owns American Progressive Insurance, Constitution Life, Marquette National, and Pyramid Life. The companies offer insurance products and services in 48 out of 50 states and the District of Columbia. Not all products are sold in every state, according to the company’s website.

The company’s largest marketplace is in Texas. Approximately 20% of the company’s health insurance premiums are written in that state.

The company was founded in 1961 and currently employs about 70 people in all locations.

American Pioneer Health Insurance Company Financial Information

Universal American Corp., American Pioneer’s parent company, is a publicly owned company (New York Stock Exchange Symbol: UAM). The company reported sales of $5.69 billion at fiscal year-end 2010, and one-year sales growth of about 14.58%. The company’s net income of $187.68 million in 2010 grew about 33.77% year-to-year (2010 vs. 2009). The company’s market value is approximately $835.76 million. According to Dun & Bradstreet, the company is considered a low-risk vendor.

In 2010, Universal American sold CHCS Services to Indian information technology company Patni Computer Systems. CHCS previously provided outsourced administrative services to managed care and insurers focused on the senior marketplace. Patni agreed to provide administrative services to UAM and American Pioneer for five years as part of the sales agreement terms.

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