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Fidelity Health Insurance Company

Dino Christoforakis
Dino Christoforakis

Editor in Chief & Licensed Insurance Agent.

When considering Fidelity Health Insurance Company (officially known as American Fidelity Assurance) for your coverage, or any other provider, you’ve got a lot to think about. For many people, finding quality health coverage that will fit into their budget is a priority. The urgency to do this seems to increase when there are dependents in need of coverage as well.

Fidelity Health Insurance Company understands this so they have put together a variety of plans to help individuals and families meet their priority and find the appropriate coverage. The information below can help you determine if they are a good match for your needs at this time. Read this Fidelity Health Insurance review, take a look at the bottom of this page for customer reviews of American Fidelity Assurance Company, and then use the free quote finding box at the side of this page to compare quotes from many different health insurance companies.

This organization goes by American Fidelity Assurance so if you are looking for Fidelity, this is the name to go by. You’ll notice that this company offers more than health insurance coverage. Those options are listed below as you may be able to procure discounts by having more than one type of insurance with a single provider.

American Fidelity Assurance History

Fidelity is a 50 year old company that is still family owned and operated by its founders, the Cameron family. In fact, is the largest such company in the United States. Coverage is available in 49 states and 23 countries. In 2004, the company was ranked the number one insurance company in Fortune magazine’s 100 best US companies to work for. Every year since the company has maintained its top position on this prestigious list.

The Cameron Family founded the company in Oklahoma on the ideas of financial security and being fair with all customers. It has maintained these ideals without wavering. Because of this, they have continually been given an A+ rating by the independent rating company A.M. Best Company. This rating means that the company is financially stable and can meet its claims.

Association & Employer Plans

Fidelity has a variety of insurance plans and services that provide supplemental insurance. Each plan has its own features and benefits. Some plans are available to individuals directly while other plans are available only through an association or employer. Each plan focuses on providing the insured with security and affordability.

Accident Protection Insurance

Accident Protection Insurance is the first type of insurance that can be offered through an employer. Accidents that result in disabilities often prevent the injured person from going back to work. This coverage is paid directly to the insured and plans are available for individuals or families. If you change jobs, your coverage remains the same because you can take the coverage with you.

Life Insurance

The next plan offered is Life Insurance. Life insurance can give you peace of mind that should something unforeseen happen, your loved ones will be taken care of. Fidelity offers Whole Life Insurance, Renewable Term Life Insurance, Convertible Term Life Insurance, and Children’s Life Insurance. Within these polices are the options of Accidental Death Benefits, Waivers of Premiums, and Term Riders.

Disability Income Insurance

Another type of coverage offered through employers is Disability Income. This type of coverage covers you if you are disabled because of an accident or illness. This coverage goes into effective whether you are cared for at home or in the hospital. The insured can choose from short term or long term benefits. If an unforeseen accident or illness leaves you out of work for a long period of time, this coverage can help keep your finances on track.

Cancer Protection Plans

Cancer Protection Plans are also offered through employer or association plans. These plans can help with extra expenses that are non medical such as prosthesis, diet, loss of income, child care, travel for out of town treatments, and clothing. In addition to this, it also covers cancer screenings such as mammograms that are designed to lower the chances of developing cancer. You can also transfer this coverage if you switch jobs.

Hospital Gap Insurance

Also offered is Hospital Gap Insurance. This plan is designed to fill in the gaps that sometimes lead to out of pocket medical expenses. These can include deductibles, co-pays and co-insurance. This plan only covers out of pocket expenses of this nature that occur while in the hospital or as an outpatient. This includes testing, surgery, and emergency room services.

Hospital Indemnity Insurance

Along the same lines as Hospital Gap Insurance is Hospital Indemnity Insurance. If you find yourself in a situation that requires an extended hospital stay, many traditional plans only cover a few days. Indemnity coverage provides for hospital costs as well as loss of income, prescriptions, travel, meals, and lodging for family.

Fidelity Individual Health Plans

The first type of plan available for individuals is a Health Savings Accounts (HSA). These types of plans allow employees and employers to deposit pre-tax dollars into an account that can be used for medical expenses that qualify. One of the great benefits of HSA’s is that the funds can be used for medical situations and needs that might not be covered by a traditional plan such as over the counter medicines and child care that is needed while at medical appointments.

The next type of coverage is life insurance. Available to individuals is Whole Life Insurance, Monthly Income Life Insurance, Children’s Life Insurance, Young Advantage Life Insurance, Renewable Term Life, Convertible Term Life, and 20, 25, or 30 Year Term Life Insurance. With all these options available, most anyone should be able to find a life insurance plan that fits.

Compare Fidelity Health Insurance Quotes

Fidelity offers many choices but you still may have questions as to whether or not this company will work for you. You can use the comparison tool on this page to compare quotes and rates from top companies right now. Seeing quotes side by side can help you make the right decision for your family. If you still have questions, you can contact an independent agent who is ready to assist you. Why not get the no cost health insurance rate quotes you need to make a great decision here and now?

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