Mid-West National Insurance Company
Health and Life Insurance for Individuals, Businesses and Families
Mid-West National Insurance offers Health Insurance Nationwide. Any plan offers access to any Doctor and Hospital Nationwide.
How to Buy Mid-West National Health Insurance and who is Mid-West National Health Insurance?
Mid-West National Insurance Company (of Tennessee) is owned by The HealthMarkets® Family of Insurance Companies. They think of themselves as “America’s leading providers of affordable health insurance for the self-employed, individuals and families, small businesses and Medicare beneficiaries”.
Mid-West National is one of the suites of wholly owned Insurance Companies that include The MEGA Life and Health Insurance Company and The Chesapeake Life Insurance Company. They are licensed to underwrite Insurance products in 44 States throughout America.
As of April 5, 2006 HealthMarkets (formerly UICI) was acquired by divisions of The Blackstone Group, Goldman Sachs Capital Partners and DLJ Merchant Banking Partners.
What Type of Insurance Plans Does Mid-West National Provide?
This depends on which state you live in, since different states have different Departments of Insurance Regulations. One of the biggest hurdles that a Nationwide Health Insurance Company has is dealing with the individual Department Of Insurance in each State that they do business in. Insurance sales is a highly regulated industry and there is considerable work for insurance companies when seeking local approval for every plan offered. Some States will allow more freedom for the insurance company to sell insurance policies, but most states have strict regulations to reduce controversy over coverage.
Mid-West National offers several different plans in each State with many modifications available on each plan. There are many different options available to the primary plans and there are some options that are not available through Mid-West National Insurance.
You will not find an HMO plan in Mid-West’s portfolio of insurance plans. The bulk of the health insurance plans offered are PPO plans and HSA plans. Mid-West offers a Scheduled Benefit plan that is affordable, and may be available in your state. With the CareOne and CareChoice suite of insurance plans you will be able to select from a wide range of options with many in the lower cost health insurance premiums that will easily meet your budget. One of the big benefits is: you never need referrals to Primary Care Physicians and you will be covered coast to coast as well as internationally, although there are some with restrictions.
Here are some of the options available for plans, most which may be available in your state:
When you purchase a Health Insurance policy through Mid-West National you may have to become a member of The Alliance for Affordable Services (in some States this membership is required). The benefits of joining are numerous, but here is a small summary of your benefits for joining:
- Choice of deductibles that range from $0 to $10,000
- Extended Accident Coverage
- Air Ambulance Coverage
- Prescription Medicine Coverage
- Dental Insurance
- Vision Insurance
- Income Protection
- Term Life Insurance (underwritten with your health insurance)
- Cancer Insurance
- Critical Care Coverage
- Worldwide Coverage
- HRA Tax Savings Programs
- Business Consultant Advice Line
- Identity Theft Restoration
- Legal Club of America Membership
- Roadside Assistance
- Accidental Death Benefits
- Discount Dental Plan
- Emergency Helicopter
- Emergency Room Benefit
- Hospital Confinement and Accident Emergency Room Benefit
How much does a Health Insurance Plan from Mid-West Cost?
Pricing your Health Insurance Premium may be a complicated process and if you want to buy a plan from Mid-West National you will have to do it through a local licensed agent. You can find an agent by filling out the quote request form. You will find these short survey forms on the website listed below.
Your premium will be determined by several criteria, this is how Mid-West determines your premium rates:
- Your Age
- Your Spouses Age
- Number of Children and their ages
- Your Zip Code
- Your Families Medical History
Once Mid-West National has your personal information to determine the actual price or your premium.
Your price for your health insurance will depend on the results of the data you submit to Mid-West’s underwriting team. Your health insurance costs will be higher in some states depending on the state requirements for health insurance plans. Your current health stats, previous illness or health care, whether you are taking medications or if you have been denied coverage for heath care, may result in a denial of coverage from Mid-West. If you are in good health, they will award you their lowest health insurance rates. Serious pre-existing conditions like diabetes, cardiac/heart related illness, or other chronic illnesses may result in a denial of coverage from Mid-West National.
What If You Have a Serious Health Risk, or Pre-Existing conditions?
Most States allow Health Insurance Companies the ability to impose a pre-existing condition limitation on their health insurance policies. Generally the plans underwritten by Mid-West National will usually have a 12 month pre-existing condition clause. This clause allows Mid-West National to deny claims for the first 12 months you have your Health Insurance plan for any condition that they determine you already had at the time your policy was underwritten. Although this is a long time to have to wait for coverage for a pre-existing condition, this is only fair to the insurance companies which are helping you with your health insurance needs.
How do I find a Mid-West agent?
The best way to find a Mid-West agent is to fill out the form located on this page or on our website. Upon submitting your information we will have several local, licensed Health Insurance agents contact you. Please be sure to ask your insurance agent to provide you with a quote for Mid-West National before you make your final decision to be sure you have selected the best health insurance plan for you.
What About The Quality Of The Claims Support for Mid-West National?
When doing your research, you will find negative information about almost any Health Insurance Company. We find that Mid-West National works very hard to satisfy people and reduce complaints. Mid-West National does provide high quality, affordable health insurance plans with fit most budgets. With any health insurance company, please know they are trying their best to provide the most comprehensive coverage available. Do know that Insurance Companies are always going to have limitations set in place to help maintain their profitability and to prevent abuse of their health insurance coverage services.
You may find complaints about any insurance company, generally most of these complaints are more to do with the fact that the policyholder did not understand the policy coverage and limitations and bought a policy because the price was very low. Sometimes the really cheap insurance quote is not the best deal, if you have health insurance claims. Please remember your health insurance plan is customizable and be sure you get and pay for the coverage you need now and in the future.
How do I apply for Mid-West National Health Insurance?
Simply fill out the form for your free no obligation health insurance quote. You will be contacted via email and phone once you have submitted your information to our agents. The local licensed health insurance agents will call you and you can ask them for more information so you can purchase your low cost health insurance plan from Mid-West National Life Insurance Company of Tennessee.
So why wait? Please scroll up and fill in the box to get your own free health care quote!
