American Specialty Health Insurance Company(Indiana)Overview; Contacts, Services, Claims, Ratings, Reviews, Benefits and Many More

In today’s fast-paced world, staying on top of your health is of paramount importance. This is where health insurance companies come into play, offering a safety net for your medical needs. One such company that has been making waves in the insurance industry is the American Specialty Health Insurance Company. In this comprehensive article, we will delve into every aspect of this company, from its introduction and history to its services and benefits, ensuring you have all the information you need to make an informed decision regarding your health coverage.

American Specialty Health Insurance Company

Introduction to American Specialty Health Insurance Company

American Specialty Health Insurance Company, known as ASH, serves as a nationwide health services provider. They offer musculoskeletal networks, health management, fitness programs, and various healthcare services to health plans, employers, insurance companies, and trust funds. ASH’s goal is to help people lead healthier lives.

A Brief History of ASH

Before we dive deeper into the company’s offerings, let’s take a look at its history. ASH was founded in 1987 with the vision of providing specialized health insurance services to its clients. Over the years, the company has evolved, adapting to the changing healthcare landscape and expanding its reach to serve more individuals and families across the nation.

Contact Details

Here are the contact details for American Specialty Health Insurance Company (ASH):

Contact Information Details
Address 12800 N. Meridian St. Carmel, IN 46032
Phone (800) 848-3555
Email Email ASH
Twitter ASH on Twitter
LinkedIn ASH on LinkedIn
Facebook ASH on Facebook
Instagram ASH on Instagram
YouTube ASH on YouTube


ASH’s customer service is available from Monday to Friday, between 8:00 a.m. and 8:00 p.m. Eastern Time. If you have any questions about your ASH health insurance plan, you can reach out to their customer service via phone or email. Additionally, you can find a wealth of helpful information on the ASH website, including FAQs, plan documents, and a provider directory.

Services and Products

ASH takes pride in offering a wide array of services and products to cater to the diverse healthcare needs of its clients. Some of the key offerings include:

ASH partners with musculoskeletal specialists like chiropractors, physical therapists, and more to care for its members.

They provide health management programs, which include weight loss, quitting smoking, and managing chronic diseases.

ASH also gives access to fitness programs like gym memberships, fitness classes, and personal training.

Other healthcare services they offer encompass vision and dental care, along with prescription drug benefits.

Financial Details

American Specialty Health Insurance Company


Premium Costs

Premium costs with American Specialty Health Insurance Company (ASH) depend on the plan type, your age, location, and other factors. ASH provides a range of affordable plans to suit your budget.

For instance, a basic ASH health insurance plan for an individual in their twenties might cost around $100 per month. A more comprehensive plan for a family of four could be approximately $400 per month.

Payment Options

ASH offers various payment choices for their health insurance plans. You can pay premiums monthly, quarterly, or annually, using credit cards, debit cards, or bank transfers.

Opting for monthly payments might involve a small convenience fee. However, if you choose quarterly or annual payments, you could save money on your premiums.

Discounts and Promotional Offers

ASH extends several discounts and promotions to its members. You might qualify for a discount as a student, older person, or veteran. Meeting specific fitness goals or enrolling in a health management program could also make you eligible for discounts.

Throughout the year, ASH runs various promotional offers. For instance, you might enjoy a premium discount during the annual open enrollment period.

Process of Filing Claims

Filing a claim with American Specialty Health Insurance Company (ASH) involves these steps:

  1. Gather your information, including your policy number, service date, provider’s details, and diagnosis code.
  2. Submit your claim. You can do this online, by mail, or through fax.
  3. To file your claim online, follow these steps:
    • Log in to your ASH account on their website.
    • Click on the “Claims” tab.
    • Select “Submit a Claim.”
    • Provide the required information and upload any necessary documents.
    • Hit “Submit.”
  4. To submit your claim by mail:
    • Download a claim form from the ASH website.
    • Fill out the form and attach supporting documents.
    • Mail the form to this address:

    American Specialty Health Insurance Company Claims Department P.O. Box 12800 Carmel, IN 46032

  5. To send your claim by fax, simply fax the completed form and documents to:(800) 848-3556

Once ASH receives your claim:

  • They’ll review it to see if it aligns with your policy.
  • If approved, ASH will directly pay the provider.
  • If denied, you’ll receive a letter explaining the reason for the denial.

Ratings, Customer Reviews, and Resolutions

American Specialty Health Insurance Company

American Specialty Health Insurance Company (ASH) provides health care services and has garnered a mix of ratings and reviews from its members.


On WalletHub, ASH holds a 2.2 out of 5-star rating, based on over 100 reviews. Customers have appreciated ASH’s customer service and broad provider network, but some have expressed frustration with long wait times and claims approval difficulties.

ASH also holds a B+ rating from the Better Business Bureau (BBB), derived from over 80 complaints in the past three years. The BBB has successfully resolved over 90% of these complaints, awarding ASH an A rating for its responsiveness to customer concerns.


Here are snippets from recent ASH reviews:

  • “I have been an ASH member for over a decade, and I’ve consistently been satisfied with their service. Getting my claims approved has never been an issue, and their customer service representatives are consistently friendly and helpful.” – 5 stars
  • “I’ve encountered nothing but problems with ASH. My claims are regularly denied, and it takes weeks or even months to resolve them. The customer service representatives are impolite and unhelpful.” – 1 star


The most common grievances regarding ASH include:


ASH has a procedure for addressing customer complaints. If you are dissatisfied with ASH’s services, you can contact their customer service department. Alternatively, you can file a complaint with the Better Business Bureau or your state’s insurance commissioner.

Affiliations and Partnerships

American Specialty Health Insurance Company (ASH) collaborates with various organizations, including:

1. Health Plans: ASH offers healthcare services to individuals through employer-sponsored health insurance plans. They also provide individual health insurance plans in select states.

2. Employer Groups: ASH teams up with employer groups to deliver healthcare services to their employees.

3. Insurance Carriers: ASH enters partnerships with insurance carriers to manage administrative services. Under these contracts, ASH handles tasks like claims processing and provider network management.

4. Trust Funds: ASH joins forces with trust funds to provide healthcare services to their members.

In addition to these connections, ASH is a member of several key organizations, including:

These affiliations and partnerships enable ASH to offer its members a wide array of healthcare services and resources.

Here are some examples of ASH’s collaborations:

Benefits of Joining American Specialty Health Insurance Company

Joining ASH offers several advantages, including:


Here are some frequently asked questions about American Specialty Health Insurance Company:

  1. Is ASH insurance available in all states?
    • ASH provides coverage in a majority of states in the US. However, availability may vary, so it’s best to check with the company for specifics.
  2. How can I find a healthcare provider in the ASH network?
    • ASH’s official website provides a search tool to help you find healthcare providers in your area.
  3. What is the typical claim processing time with ASH?
    • The claim processing time may vary, but ASH aims to handle claims efficiently. You can track your claim’s status online.
  4. Does ASH offer any wellness programs for its members?
    • Yes, ASH offers wellness programs that focus on promoting a healthier lifestyle.
  5. How do I contact ASH’s customer service in case of issues or questions?

In conclusion, American Specialty Health Insurance Company is a reputable and customer-focused health insurance provider. With a rich history, a wide range of services, competitive premium options, and a commitment to promoting well-being, ASH stands out as a reliable choice for your health insurance needs.

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