Imerica Health Insurance
Imerica was a health insurance company incorporated in 2003 and based out of Colorado but domiciled in Arkansas. At one time, Imerica offered health insurance in Alabama, Arizona, Colorado, Georgia, Illinois, Missouri, Texas, and South Carolina. However, it was ordered into receivership and liquidation on November 18, 2009. It is currently no longer writing any new health insurance policies.
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Imerica still offers Health Savings Plans, HSA’s, and Supplemental Accident Insurance through a partnership with America Health Value Corporation out of Tampa, Florida. You can learn more about Health Savings Accounts through Imerica on the HSA for America website.
Imerica Health Insurance Liquidation Information
Prior to its insolvency, Imerica provided three different health insurance plans. All three had very high deductibles and were run as PPO plans.
All health insurance claims or payments either owed or due to the clients after November 2009 were to be paid out of state guaranty funds.
Imerica Health Savings Plans
Imerica offers HSA’s through reputable health insurance companies like:
- Blue Cross Blue Shield
The company is not licensed in:
- New Hampshire
- New Jersey
- New York
- Rhode Island
There are four different plans under Imerica:
The plans pay covered expenses once your deductibles have been met. Deductibles range from $2,000 to $11,000 depending on the plan.
Coverage includes visits to:
- Physician offices
- Diagnostic testing and screening
- Preventive care
- Physical exams
- Ambulatory services
Individuals between the ages of 18 and 63 are eligible as well as their spouses and children up to age 18 unless they are full time students. Coverage and eligibility vary by state.
Imerica Health Savings Account Quotes
Imerica Health Savings Account quotes can be run on the company’s website. First, you can get an instant quote by clicking on that option. Then, the site provides the ability to compare various plans to determine which one meets your needs.
Instant quotes are generated by interested applicants inputting their state, gender, date of birth, and answering whether or not you smoke. After the requested information is submitted, the company requires personal information to be completed and submitted as well. At this time, the quotes are able to be accurately generated.
Should you have any questions regarding HSA’s, the website offers helpful information so you can make an educated decision on what sort of HSA is best for you and your family. You can also watch a video or take part in a live web seminar, which is advertised on the website. Simply sign up for the next available one by inputting your address into the toolbox.
In order for plans to take effect, there is usually a two to three week processing time where medical records are requested and telephone interviews are conducted.
Imerica Supplemental Accident Insurance
Imerica, through HSA for America, also offers Supplemental Accident Insurance Coverage. You can purchase up to $10,000 in coverage per individual family member. The deductible is $100 for each of the four different plans.
You can apply for coverage on the website or download and fax your application to 866-284-0082. Please note that accidental insurance through this carrier is not underwritten in:
Imerica agents can be contacted by calling 866-749-2039 or by scheduling an appointment on the company’s website and choosing a time for an agent to call the interested policyholder. The website also provides the ability to fill out an online form and an agent will contact you at his or her earliest convenience.
Imerica Customer Service
In an effort to provide customer service to its policyholders and interested applicants, the website offers answers to frequently asked questions regarding Health Savings Accounts and insurance reform. The company will even send you a booklet on HSA’s and a copy of their HSA newsletter so that you can get the most benefits out of your HSA’s.
Imerica Contact Information
Imerica still runs its HSA business out of Colorado at the following address:
HSA for America
1001-A E. Harmony Rd. #519
Fort Collins, CO 80525
Imerica’s partner, America Health Value Corporation is based out of Tampa at the following address:
3501 Frontage Road
Tampa, FL 33607
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