Choosing the best health plan can be confusing and difficult. OnlineAdviser offers decades of experience and research to help users find the benefit best values online. Use our professional service to save time and money while ensuring that you find the best health plan that meets your needs and budget.  Start by browsing the online information, make a list of questions, an then Ask OnlineAdviser for private personal support with your remaining questions. Personal support is only a e-mail away. read more Key Data: Address: 5 Christopher Way, 3rd Floor, Eatontown, NJ 07724 A.M. Best Company Rating: A (Excellent) Size: $585 million total annual premiums A division of Crum and Forster

United States Fire Insurance Company United States Fire Insurance Company issues the popular Core Health Insurance plans that are among the most widely available guaranteed issue limited benefit health coverage in the U.S. This plan recently expanded the number of coverage options as a supplemental coverage after passage of national health reform laws that may result in reduced employer-provided coverage for many Americans. Core Health Insurance is an affordable coverage that ranges from inexpensive (under $100 per month) to about $600 per month depending on age and options selected. Price reductions are achieved by reducing the maximum benefits payable for large claims. This policy is unique in that the same coverage is available to both businesses and individuals, giving it portability and versatility. United States Fire Insurance Company also previously insured the "American Health Shield" short term medical insurance through Fairmont Specialty, also a division of Crum & Forster. Overseas travel medical insurance is offered to individuals who need medical insurance outside of the U.S.

Comments and Reviews

American Health Shield and Simple STM insurance plans are no longer available. Other comparable short term major medical insurance choices are listed here and at the various insurance exchanges. In most cases Secure STM is the most comparable and highest value alternative.

Core Health Insurance has been the most popular online health insurance this year for Freedom Benefits users since 2008. We believe that its popularity is due to the compromise between price and coverage, lack of deductibles an liberal provisions for pre-existing medical conditions.

Consumer Complaints - The National Association of Insurance Commissioners (NAIC.org) reports that U.S. Fire Insurance Company had a total 83 consumer complaints reported in 2010 for all states, a reduction of 25% compared to the prior year. Compared to other insurance companies, the number of complaints, as compared to the amount of premium collected, was average for 2009 (1.05 index) and below average for 2010 (index not yet available). Limited benefit health insurance tends to generate more consumer complaints than more expensive health insurance if consumers do not understand the coverage. It is rare for a limited benefit policy to have fewer complaints than more expensive health plans based on the number of people insured, so we view this NAIC report as favorable for United States Fire Insurance Company. We believe this favorable result is the result of better consumer education through the use of Internet-based resources (like this Web site) that allows shoppers to compare the benefits, value and limitations of each health insurance option available.

News

12/2/2010 Universal Health Insurance Blog post "In Defense of Junk Health Insurance" answers the political attack on mini-med limited benefit health insurance policies. Although neither United States Fire Insurance Company nor Core Health Insurance plans are named in the current political hearings, the post explains the growing popularity of limited benefit, supplemental, mini-med and short term insurance among U.S.  consumers.  

6/2/2010 - A.M. Best Company affirmed the "A" rating for United States Fire Insurance Company with a stable outlook.