Need help? We make it easy to get friendly, personal and independent help with enrollment questions with fast and free email support in addition to affordable pre-scheduled telephone consultations through OnlineNavigatorTM. Details on this premium service are available at onlinenavigator.org. Key Data: Address: 5 Christopher Way, 3rd Floor, Eatontown, NJ 07724 Telephone: not listed here because there are different health plan administrators for each specific product. See the specific health plan profile for contact information. 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

United States Fire Insurance Company does not issue major medical insurance in any state and has no plans, to our knowledge of issuing coverage that would be considered "qualified medical insurance" under PPACA health reform laws. All medical insurance policies issued by this company are limited benefit insurance.

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.

UNRELATED HEALTH PLANS

Freedom Benefits has received inquiries about other health plans with similar names that are not affiliated with us, the United States Fire Insurances Company or with www.corehealthinsurance.net. The following are NOT affiliated with us:

• "Core Value Medical Plan"
• "AMLI"
• "American Medical Life Insurance Company"

We have no information about or contact with the health plans identified by these terms.

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.

This Web site is independently owned and operated by Tony Novak, CPA, MBA, MT. Tel. (800) 609-0683, Email tnovak@freedombenefits.net. Opinions expressed are the sole responsibility of the author and do not necessarily represent the opinion of Freedom Benefits Association or any other person, company or entity mentioned. Freedom Benefits is not an agent, broker or navigator for any federal, state or commercial health insurance exchange. Information is from sources believed to be true but cannot be guaranteed. Any tax advice in this communication including attachments and linked resources cannot be used by the taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer.