First Health Life & Health Insurance Company is a renowned insurance provider that has been serving individuals and families for several decades.
With a strong commitment to offering comprehensive health and life insurance solutions, they have gained a solid reputation in the industry. In this article, we will delve into the various aspects of this insurance company, starting with a brief introduction.
First Health Life & Health Insurance Company provides different types of life insurance. They have a whole life, term life, and universal life insurance plans.
The company also offers various health insurance options. These include Medicare supplement plans and long-term care insurance.
A Brief History of the Company
First Health Life & Health Insurance Company is part of Coventry Health Care, which, in turn, is a subsidiary of Aetna. Aetna is one of the biggest health insurance companies in the United States.
First Health Life & Health Insurance Company started in 1978 and has its headquarters in Dowers Grove, Illinois. They have the green light to operate in all 50 states.
Contact Details
Here is the contact information for First Health Life & Health Insurance Company in a table format:
| Contact Information | Details |
|---|---|
| Phone | 1-800-445-1425 |
| Address | 3200 Highland Avenue |
| Downers Grove, IL 60515 | |
| Website | https://hf.org/health-first-health-plans |
| Additional Contact Details | |
| Customer Service | 1-800-226-5116 |
| Medicare | 1-800-716-7737 |
| Individual & Family Plans | 1-855-443-4735 |
| Fax | 1-630-971-6208 |
Services and Products Offered
At First Health Life & Health Insurance Company, we offer a range of insurance products to meet your needs.
Life Insurance Products:
- Whole Life Insurance: This insurance provides coverage for your entire life as long as you pay your premiums. It also builds cash value that you can access through loans or withdrawals.
- Term Life Insurance: This type offers coverage for a specific period, like 10, 20, or 30 years. If you pass away during this time, your beneficiaries receive a death benefit.
- Universal Life Insurance: With flexible premiums and benefits, this policy can be tailored to your budget and individual requirements.
Health Insurance Products:
- Medicare Supplement Plans: These plans help cover what Medicare doesn’t, such as deductibles, copayments, and coinsurance.
- Long-Term Care Insurance: It assists in paying for long-term care, like nursing home or assisted living expenses, safeguarding your financial well-being.
- Individual and Family Health Insurance Plans: We offer various plans to suit different budgets and lifestyles, covering doctor visits, hospital stays, prescriptions, and medical expenses.
Additional Services:
- Customer Service: Our team of representatives is here to answer questions, resolve issues, and assist in finding the right insurance plan for your needs.
- Agent Support: Our network of agents can guide you in selecting the best insurance plan and provide personalized service.
- Online Tools and Resources: We provide online tools for easy management of your insurance coverage, including online bill payment, claims submission, and policy adjustments.
At First Health Life & Health Insurance Company, we make insurance understandable and accessible for everyone.
Premium Costs
First Health Life & Health Insurance Company charges different premium costs based on your age, health, where you live, and the coverage you pick. For instance, a healthy 30-year-old in California pays less for term life insurance than a 60-year-old in New York with health issues.
Payment Options
You can pay for First Health Life & Health Insurance Company products monthly, quarterly, semi-annually, or annually. They also let you set up automatic payments from your bank account.
Discounts
First Health Life & Health Insurance Company gives discounts, like:
- Non-smoker discounts: If you don’t smoke, you could save up to 30% on premiums.
- Group discounts: Group members (alumni, professional organizations) might get discounts.
- Health and wellness discounts: If you join health programs (quit smoking, lose weight), you might qualify for discounts.
Promotional Offers
Now and then, First Health Life & Health Insurance Company offers special deals, like cashback rewards or waived application fees to their customers.
Process of Filing Claims
Filing a claim with First Health Life & Health Insurance Company might differ depending on the claim type, but there are some general steps you should follow:
- Collect your documents: Get your insurance card, Explanation of Benefits (EOB) from your healthcare provider, and any bills or receipts for your medical expenses.
- Fill out the claim form: You can get the form from First Health Life & Health Insurance Company’s website or ask for one over the phone.
- Send your claim: You can submit your claim by mail, fax, or online.
- Check your claim: You can keep an eye on your claim’s progress by going online or calling First Health Life & Health Insurance Company.
First Health Life & Health Insurance Company gets mixed ratings and reviews from customers. Some are happy with their products and services, while others are not.
Ratings
First Health Life & Health has an A+ (Superior) rating from A.M. Best, a credit rating agency that checks the financial strength of insurance companies. They also have a 3.5 out of 5-star rating on Trustpilot, a consumer review website.
Reviews
Positive reviews mention good customer service, a variety of products, and competitive prices. Negative reviews talk about slow claims processing, high deductibles, and confusing policies.
Complaints
The Better Business Bureau (BBB) received 17 complaints about First Health Life & Health in the last three years. Most complaints are about customer service and claims processing. But the BBB gave the company an A+ rating, which means they’re good at resolving complaints.
Resolutions
They possess a decent way of solving conflicts. And always move with speed to calm down their clients.
First Health’s Valuable Affiliations and Partnerships
This insurance company values its collaborations with other organizations. These partnerships are the key to offering our members various benefits and services.
Aetna: Expanding Your Health Options
Our notable partnership with Aetna, a major national health insurer, broadens your horizons. Aetna provides individual, family, and employer-sponsored plans. As a First Health member, you gain access to Aetna’s extensive network of over 1 million doctors and hospitals nationwide.
Cigna: More Choices for Your Well-being
Another crucial partnership is with Cigna, another major national health insurer. Cigna offers individual, family, and employer-sponsored plans. As a First Health member, you tap into Cigna’s network of over 1 million doctors and hospitals across the country.
A Wealth of Benefits and Services
Beyond Aetna and Cigna, we have other affiliations and partnerships that enrich your experience as a member. These connections enable us to provide you with an array of benefits and services, such as:
- Discounted Rates: Enjoy reduced prices on various products and services, including health club memberships and travel discounts.
- Health and Wellness Programs: Access programs like smoking cessation and weight loss, promoting your well-being.
- Educational Resources: Learn about health topics like nutrition and fitness through our educational resources.
First Health’s affiliations and partnerships are a vital part of our dedication to offering you top-notch care. These collaborations grant you access to a broad spectrum of benefits and services, supporting your journey to a healthier life.
Additional Affiliations and Partnerships
We also collaborate with the following organizations:
- Florida Hospital Association
- Florida Blue Key Reinsurance Association
- Florida Health Care Association
- National Association of Health Underwriters
- American Association of Health Plans
Benefits of Joining First Health Life & Health Insurance Company
When you choose First Health, you get access to a vast network of providers. With over 1 million doctors and hospitals all over the country, you’re assured of quality care, no matter where you live.
Variety of Plans to Suit You
First Health gives you options. We offer various plans to match your needs and budget, ensuring you find the right fit for you.
Affordable Premiums
Our premiums are competitive, making us a cost-effective choice compared to other major health insurers.
Out-of-Network Coverage
You can still see a doctor outside our network. First Health provides out-of-network coverage, giving you flexibility in your choices.
Covering Your Well-being
We cover preventive care services, like mammograms, colonoscopies, and flu shots, because staying healthy matters.
Mental Health Matters
Your mental well-being is important. First Health offers mental health coverage to support your overall health.
Saving on Medications
With our prescription drug coverage, you can save on your medications, making healthcare more affordable.
Wellness Programs to Help You
First Health offers wellness programs, including smoking cessation and weight loss programs, helping you achieve a healthier lifestyle.
Educational Resources at Your Fingertips
Access a variety of educational resources on health topics like nutrition and fitness, making it easy to stay informed.
Responsive Customer Service
Our team of customer service representatives is available to answer your questions and assist with your needs.
A Trusted Choice
First Health Life & Health is a great option if you seek quality, affordable health insurance. We offer an extensive provider network, plan variety, and competitive premiums, making us a trustworthy choice for your healthcare needs.
Frequently Asked Questions (FAQs)
- How long has First Health Life & Health Insurance Company been in the insurance industry?
- What types of insurance products do they offer?
- Can I choose between monthly and annual premium payments?
- Are there any discounts available for policyholders?
- How can I file a claim with First Health Life & Health Insurance Company?
Conclusion
For many decades, First Health Life & Health Insurance Company has been a trusted provider, offering comprehensive health and life insurance. With a strong reputation, there commitment to your well-being is evident in the services they provide.
Introducing Rayson Malik, an accomplished article writer known for his outstanding talent in creating captivating and interesting content. Rayson has lent his expertise to several respected publications, addressing an array of subjects. His writing is marked by a seamless fusion of clarity, eloquence, and an innate ability to grab the reader’s interest right from the opening line.
Rayson’s dedication to staying abreast of the latest trends and advancements across various domains is clearly reflected in his work. Whether crafting insightful opinion pieces or informative guides, he consistently produces content that strikes a chord with his audience.