This health insurance review is for the John Hancock Health Insurance Company that offers long-term care insurance through John Hancock Financial Services. While John Hancock offers several different types of insurance, the John Hancock Long Term Care insurance is the only health insurance that is offered. Customers looking for medical or dental insurance will need to contact another insurance carrier for coverage.
The John Hancock Long Term Care Insurance gives individuals and their families the peace of mind of knowing that their long term care expenses will be covered in the future without draining financial assets and other resources. John Hancock offers long-term care insurance to residents of all 50 states. Long Term Care insurance through John Hancock offers coverage no matter what led to the need of long-term care – whether it was the normal course of aging, an illness, or an accident.
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John Hancock offers several different financial products, including:
- 401(k) plans
- Annuities
- College tuition plans
- Mutual funds
- Life insurance
John Hancock has been providing insurance services for more than 145 years, and has more than 1.2 million long-term care policyholders. In addition, John Hancock has paid more than $3 billion in claims on long-term care policies.
John Hancock Health Insurance Company Health Insurance Locations
The main corporate office for John Hancock Health Insurance Company is located in Boston, Massachusetts. There is no information on specific long-term care offices, but interested consumers can either contact any licensed insurance professional in their state or contact their employer to find out how to buy a long-term care insurance policy or to find out more information. There is also an electronic submission form that can be completed online if an individual would like a licensed insurance representative to contact them.
John Hancock Health Insurance Company Health Insurance Products
The availability of John Hancock Long-Term Care Insurance products depends on the state where the individual requiring coverage lives. There are several different products available, and each of the products covers certain portion of long-term care needs. Some of the areas covered by John Hancock Long-Term Care Insurance include:
- Skilled nursing care, which is made up of nursing care, physical, occupational, and speech therapy
- Intermediate care, which is care not required on a daily basis
- Custodial care, which provides assistance with basic everyday needs such as feeding and dressing
In addition, John Hancock Long-Term Care insurance allows the member or an immediate family member to ability to choose the location of care, such as in the home, a specific facility, or other location. John Hancock Long-Term Care insurance also provides home care including:
- Care by a Home Health Aide
- Adult day care in a licensed adult day care center
- Assisted Living Facility
- Nursing Home
- End-of-life care through Hospice
There are many different choices as far as daily or monthly payout amounts, inflation options and other available benefits that a licensed insurance agent can provide information about.
John Hancock Health Insurance Company Health Insurance Reviews
Since 1996, John Hancock has been is accredited by the Better Business Bureau (BBB). The John Hancock Insurance Company has also been rated an A+ by the BBB for their quality of customer service.
There have been 35 complaints filed by individuals over the past three years against the John Hancock Insurance Company, although it is not clear as to how many of those complaints were made towards the health insurance products.
Of those 35 complaints, all were addresses by the John Hancock Insurance Company and in turn, the Better Business Bureau considers the complaints resolved.
John Hancock Financial Services is rated A+ (Superior) by the A.M. Best Company for financial strength but has a negative outlook.
John Hancock Health Insurance Company Health Insurance Careers
There is detailed information on the John Hancock website about available careers at the company. A dedicated “Career Center” has a listing of available career paths, job openings, benefits, as well as “A Day in the Life”, which gives interested applicants a first-hand look at working with the company.
Individuals can also create an online profile, explore financial and accounting careers, or even look at job postings through John Hancock outside of the United States. The online profile allows individuals the opportunity to apply for many different positions without having to recreate an entire application.
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