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Proselect National Health Insurance Company Inc.

A review of Proselect National Health Insurance Company Inc. finds ProSelect Insurance Company, a member of the Coverys’ family of companies. ProSelect was originally a subsidiary of ProMutual, which changed its name and brand to Coverys in July 2011.

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While ProSelect provides nursing home insurance in Massachusetts, as well as excess and umbrella coverage, it isn’t easy to determine what other insurance business offered by Coverys is written by ProSelect. For this reason, this review will cover both companies as a whole.

ProSelect Insurance Company/Coverys Contact Information

Investors and policyholders alike can contact Coverys at:

101 Arch Street
4th Floor
Boston, Massachusetts 02205-5178
Phone: 617-330-1755
Toll-Free: 800-225-6168

The company also has offices in:

  • Lansing, Michigan
  • Maple Valley, Washington
  • Morristown, New Jersey

ProSelect Insurance Company/Coverys Services

Coverys mainly provides medical liability coverage to providers of healthcare services, such as:

  • Surgeons
  • Midwives
  • Dentists
  • Nurses

Coverys and its subsidiaries insure nearly 500 medical care facilities, including hospitals and clinics, in 22 states, as well as more than 22,000 healthcare providers.

The company does business in:

  • Idaho
  • Oregon
  • Washington
  • North Dakota
  • South Dakota
  • Minnesota
  • Iowa
  • Wisconsin
  • Michigan
  • Indiana
  • Ohio
  • Kentucky
  • North Carolina
  • Virginia
  • Pennsylvania
  • New Jersey
  • Connecticut
  • Massachusetts
  • New Hampshire
  • Vermont
  • Maine

Without medical liability coverage, healthcare providers wouldn’t be able to do their business without the fear of lawsuits. Coverys helps manage the risks associated the practice of medicine. The company first determines a facility or practitioner’s risk and how well it is being managed with the programs already in place. Coverys focuses on the management of risk, as well as the safety of patients.

In order to develop a tailored policy, Coverys representatives do a comprehensive office appraisal. These employees are registered nurses, so they have extensive experience in a medical setting. The company does an assessment of the facility to identify any high-risk issues they may find, ranging from staff credentialing to badly maintained clinical areas. Assessments are done for facilities ranging from hospitals to nursing homes.

Coverys will then benchmark the facility to see where it compares with its peers in the field. This helps the insurance company, along with its client; develop an action plan in making their practice safer and helping to reduce the risks as much as possible.

In addition to its medical liability insurance, Coverys works with the practitioners themselves to provide support to those that are facing lawsuits and claims. The emotional support needs of these practitioners are often overlooked, and Coverys strives to lessen the impact of the suit or claim on the practitioner’s professional and personal lives.

Coverys is also a member of the Massachusetts Coalition for the Prevention of Errors, helping to identify the cause of medical errors and introduce strategies that help in their prevention.

ProSelect Insurance Company/Coverys Careers

If you’re currently looking for employment, Coverys has a “Careers” tab on its website, allowing you to easily look through its job openings. The company lists its East Coast jobs here, and provides a link to its postings on CareerBuilder if you’re looking for a job on the West Coast. At the time of this writing, in September 2011, there are currently three East Coast openings–two for marketing representatives and one for an underwriter.

In terms of employee benefits, Coverys states that it continually assesses what it offers its employees to make sure it is staying ahead of the curve on innovation and its competition. The company offers:

  • Life insurance
  • Health insurance
  • Short- and long-term disability plans
  • Dental
  • Accidental death and dismemberment coverage
  • Reimbursement plans for medical and dependent card

It also provides a pension plan:

  • 401(k)
  • Adoption assistance
  • Paid holidays and time off
  • Tuition reimbursement
  • Health and wellness programs
  • Employee assistance
  • Employee recognition and rewards

ProSelect Insurance Company/Coverys Ratings

A.M. Best, an insurance industry ratings company, has given Coverys, under its ProMutual name, a grade of “A-.” This is considered an “Excellent” rating for its financial strength. Best sees Coverys’s future outlook as “Positive,” and it has given the company a rating of “a-” (also “Excellent”) for its issuer credit rating. If you are a healthcare provider or medical facilities manager thinking of doing business with Coverys, these ratings are a positive indicator of a company with liquidity and the ability to meet its financial obligations currently and into the future.

If you’re looking for personal health insurance, ProSelect and Coverys won’t be able to help you, but we can! Type your zip code into the box below and we’ll provide you with health insurance quotes from providers in your area.

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