Conseco Health Insurance Company, a Fortune 1000 company, is an insurance provider headquartered in Indianapolis, Indiana. Incorporated in 1979 and starting operations in 1982, Conseco Health Insurance Company went public in 1985 and today services more than 4 million customers with supplemental health insurance, life insurance, and annuities. Their goal is to offer financial security for middle class Americans for their health, life, and retirement.
Use this guide to Conseco Insurance and other companies as a tool to evaluate the potential health insurance providers. Along with getting a number of rate quotes, and some expert advice, having solid background information on Conseco and other health insurance companies will help you make an informed choice.
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Conseco Supplemental Health Insurance Plans
Conseco Solutions (SM) Medicare Supplement Insurance is a supplemental insurance to help cover expenses that are not paid by Medicare. There is a one year rate guarantee and no waiting period for pre-existing conditions. This insurance is available in Alabama, Arizona, Arkansas, California, Colorado, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming.
Conseco cancer insurance is available to help with expenses that are not covered with your major medical insurance provider. Depending on the level of coverage, benefits can range from $1,000 to $5,000, which are paid immediately to the member upon diagnosis and can be used to help costs of copayments, deductibles, and daily living expenses, loss of income, transportation, hotels, special dietary needs, and family care. The cancer benefits cannot be reduced at any age and there are two plans from which to choose.
Cancer Secure (SM) and Conseco Solutions® Cancer (SM) both offer radiation therapy, chemotherapy, wellness benefit, health advocate via a registered nurse, and in-patient hospital confinement. The Conseco Solutions® Cancer (SM) plan benefits additionally that include transportation and lodging for the insured and his family members, surgery, anesthesia, stem cell and bone marrow transplant. Consider family history and cancer related lifestyle factors when choosing the best plan. Additionally an Alternative Care rider can be added to the plan.
Hospital insurance is a supplemental plan to help cover expenses incurred from hospital stays. The member receives the benefits directly regardless of any other insurance carried at the time. Provided the premiums are always paid on time, the policy renewal is guaranteed until age 65, when the coverage ends. Supplementary riders available include the Hospital Confinement Add-On Rider that pays additional cash for each day that the member is confined in the hospital; and the Pet Boarding Rider which is a cash benefit for cat or dog boarding during the member’s hospital stay. Singles adults with pets find this unique coverage option important during a hospitalization.
Heart and Stroke insurance is a supplemental plan to help pay for expenses that are not covered by the member’s major medical plan. Under the Pulse Protection Series (SM), cash benefits are paid directly to the member for copayments, deductibles, living expenses, and incidentals such as transportation and lodging. Policy renewals have no age or health restrictions. Benefits can include hospital confinement, surgery, anesthesia, a skilled nursing facility, a private nurse, drugs and medicine, the attending physician, an ambulance, blood and plasma, electrocardiogram oxygen, ambulatory surgical center, transportation and lodging, heart transplant, children’s term insurance, disability income, additional insured, and term accelerated benefits.
Accidental Injury insurance will pay benefits directly to the member to help with non-covered costs, such as loss of income during any recovery period. There are no age or health restrictions for renewals and benefits do not get reduced at any age.
Conseco Life Insurance Plans
Conseco offers four different life insurance plans in addition to the health coverage listed above. Term Life insurance is life insurance carried for a set period of time. The Indexed UL Insurance plan is a permanent life insurance policy that has a cash value tied to the markets. Whole Life insurance is permanent coverage that builds cash value while guaranteeing premiums. Universal Life insurance is permanent flexible coverage to meet your needs while building cash value. Carrying both policies with a single insurer might result in a discounted rate.
Annuities are a tax-deferred accumulation of retirement funds. In keeping with Conseco’s mission of helping middle class people with their financial security, Conseco offers a variety of annuity plans, including Conseco Command (SM), Conseco Patriot, Retirement Edge ®, and The Annuity Edge.
Conseco Insurance and the Community
In 2008, Conseco earned honors from Hamilton County United Way for the second largest campaign in Hamilton County. In Hamilton County they have also received top honors for the “Largest Increase in Employee Giving.” Conseco is in the top three organizations for the “Largest Percentage of Leadership Donors” and has also been recognized for its participation in United Way’s Day of Caring.
Within its own company, Conseco runs the Step Up Awards program that honors up to seven employees every year for superb volunteer work, donating up to $20,000 in annual cash grants to community organizations where the selected employees volunteer their services.
The Conseco Fieldhouse is a sports venue for sports, music, and entertainment. In addition to being the home for the National Basketball Association’s (NBA) Indiana Pacers and the Women’s NBA, Indiana Fever, the Fieldhouse also hosts the Indiana Ice of US Hockey League.
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Conseco has grown from a small company to a large provider with over 600 employees in a small amount of time by offering supplemental insurance and financial protection to its members if ever the need should arise. Insurance is a personal choice and everyone has different supplemental insurance needs.
Be sure to compare Conseco health insurance quotes with quotes from other top companies to find the policy that is best for your health insurance needs.
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