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USAble Health Insurance Company

Dino Christoforakis
Dino Christoforakis

Editor in Chief & Licensed Insurance Agent.

This USAble Health Insurance Company Review will focus on the insurance company known as USAble Life. The company has experience in the insurance industry along with financial stability and products of high quality, such as disability and life. Usable Insurance Company offers group health plans but unfortunately does not sell traditional individual health insurance, but you can search for health insurance right now.

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USAble Life Insurance Individual Insurance

Usable insurance Company offers insurance products to individuals to help protect and provide both you and your family in the event something unfortunate and unexpected happens. These products can either supplement the benefits you have through your employer or be purchased separately.

Accident insurance is one of the options for individuals. It is an Accident Elite policy that is made up of a base policy with optional riders. The policy is guaranteed to be renewable but is only obtainable with payroll deduction. Coverage from the policy is for accidents not only on the job, but off as well.

The policy includes an accidental death benefit as well as an accidental dismemberment benefit. These cover dismemberment or deaths that are caused by an accident that is covered by your policy. Specific accident injuries that are covered include:

  • Eye injury
  • Dislocations
  • Torn knee cartilage
  • Fractures
  • Internal injuries
  • Rotator cuff
  • Ruptured disk
  • Lacerations
  • Paralysis
  • Coma
  • Emergency
  • Dental work
  • Concussion

Other benefits of the policy include:

  • Hospital confinement
  • Hospital admission
  • Emergency room treatment
  • Hospital intensive care
  • Physical therapy
  • Follow-up doctor visits
  • Artificial limb/prosthetic device
  • Appliance
  • Family lodging
  • Transportation
  • Ligament or tendon
  • Burns
  • Ambulance
  • Platelets/plasma/blood
  • Wellness benefit

Another individual product is Cancer Care Elite. This is supplemental coverage for a covered specified disease or cancer. This coverage is offered to employees as well as their families and there are three different plans available. The money is paid to the insured directly and the policy is guaranteed renewable.

This policy includes money for chemotherapy, outpatient or inpatient surgery, as well as inpatient benefits. Other benefits available include:

  • Doctor visits
  • At home recovery
  • Prosthesis
  • Ambulance
  • Private duty nursing
  • Family transportation and lodging
  • Hospice care
  • Extended care facility
  • Inpatient medicine
  • Medical equipment and supplies

There is also Critical Care Elite, which pays a lump sum payment for the first diagnosis of a critical illness, which is paid to the insured directly. Critical illnesses may include:

  • Cancer
  • Stroke
  • Heart attack
  • Renal disease
  • ALS
  • Quadriplegia
  • Transplants
  • Bypass surgery

As an individual, you can get hospital indemnity coverage for:

  • Hospital stays
  • Ambulance use
  • At home care
  • Transportation
  • Emergency accident

Individuals can also obtain term life insurance through USAble insurance.

To find out what kind of riders are available, talk to a representative from USAble Insurance.

USAble Life Insurance Group Benefits

There are a number of employee benefits available through USAble Insurance. If you are an employer or a benefits administrator, USAble makes it easy to manage the benefits for your employees through their online services.

Some of the group products available include:

  • Accidental dismemberment and death (ADD)
  • Group term life
  • Group short-term and long-term disability
  • Dependent life
  • Group health plans

There are also voluntary products available for groups. These include:

  • Voluntary accidental dismemberment and death
  • Voluntary group term life
  • Voluntary short-term and long-term disability

USAble Life Insurance Careers

If you have considered a career in the insurance industry, you may want to look at USAble Insurance. Based out of Arkansas, USAble Life is considered one of their top companies. The company is continually growing, is strong, and financially secure. To find out more about their financial ratings, check out

The leadership at USAble Life is down to earth, dynamic, and strong. The company is focused on their employees, technology, and the future. They reward employees with incentive bonuses throughout the year.

Along with supporting balance of life and work, USAble Life also has competitive benefit and compensation plans. Benefits include health, vision, and dental insurance. They also include life insurance and disability insurance as well as flexible spending accounts.

For retirement and savings, USAble offers a 401(k) plan that is employee funded and matched by the company. USAble also offers a 401(k) Plus retirement plan, which is a plan that is contributed solely by the employer.

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