Is National General Health Insurance Legit

National General Insurance stands out as a reputable health insurance provider with a stellar reputation, boasting excellent reviews, an A+ rating, and accreditation from the Better Business Bureau.

Additionally, it holds an A- rating from A.M. Best. The company is particularly advantageous for those seeking short-term health insurance due to its extensive range of customizable plans.

However, it’s essential to note that despite its positive attributes, National General Insurance has a higher-than-expected number of complaints filed with state regulators relative to its size.

Moreover, its coverage may not be comprehensive, excluding common health issues like pregnancy, prescriptions, and preexisting conditions.

Consequently, it is crucial to thoroughly assess and compare the benefits and costs of National General Insurance against other health insurance options before reaching a decision.

National General Health Insurance stands out in the market by providing a range of health insurance options to cater to diverse needs.

Among these offerings, two major types play a crucial role in ensuring comprehensive coverage for individuals and families.

Is National General Health Insurance Legit
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Short-Term Medical Insurance

Overview

One of the primary offerings by National General is Short-Term Medical Insurance, a solution designed to bridge the gaps in health coverage outside the conventional open enrollment period.

Open Enrollment Period

The open enrollment period, occurring annually between November 1st and December 15th, serves as the designated time for individuals to enroll in long-term health insurance.

Exceptions, however, exist for those who qualify for the special enrollment period triggered by significant life events such as marriage, divorce, or relocation.

Coverage Duration and Flexibility

Short-term coverage from National General typically spans 1 to 12 months, eliminating the need for special enrollment. This flexibility ensures individuals can obtain coverage for varying durations without being constrained by rigid enrollment periods.

Financial Protection

National General’s short-term health insurance provides a financial safety net, shielding individuals from unexpected medical expenses.

The coverage extends to a range of costs, including emergency room visits, ambulance trips, urgent care, and certain doctor office expenses.

Premiums and Deductibles

These plans offer a flexible premium structure, allowing individuals to choose a payment amount aligned with their budget.

Additionally, they often come with a high deductible, striking a balance between affordability and comprehensive coverage.

Is national general health insurance legit
National General Insurance is a legitimate health insurance provider. The company has great reviews, including an A+ rating and Accreditation from the Better Business Bureau: Photo source (eHealth)

Pros and Cons Of National General Health Insurance

Pros:
  1. Ideal for addressing short-term health insurance requirements.
  2. Supplementary coverage is available.
  3. Access to comprehensive provider networks facilitated by Aetna and Cigna.
Cons:

Limited coverage for diverse health scenarios.

Potential issues with customer satisfaction.

Contact Information

Get a Quote: call us at 1-800-462-2123 or 1-800-468-3466

Claims: Email us at claims@ngic.com or call 1-888-293-5108

Homeowners: Call us at 1-888-325-1190 or  Email us at service@ngic.com

Supplemental Insurance for Large Out-of-Pocket Expenses

Purpose

National General addresses the need for protection against substantial out-of-pocket expenses through its supplemental insurance offerings.

This type of coverage is tailored to mitigate financial risks associated with critical illnesses, hospitalizations, and unexpected accidents.

Coverage Scope

Supplemental insurance from National General focuses on specific high-cost events, such as critical illnesses like cancer or heart attacks, substantial hospitalization costs, and unforeseen accidents.

It is crucial to note that this coverage does not extend to ordinary medical costs.

Preventing Financial Strain

The primary objective of supplemental insurance is to prevent families from facing financial turmoil due to unexpected medical expenses.

By covering major out-of-pocket costs, National General aims to ensure that individuals are safeguarded against bankruptcy resulting from unforeseen medical events.

Read more: Is Boost Health Insurance Legit?

Pricing Based on Tracked Driving Habits

National General offers a discount through the Dynamic Drive program, leveraging the Routely app to observe driving behavior.

This involves monitoring instances of speeding, abrupt braking, and mobile phone usage during driving.

Conclusion

National General Health Insurance, with its diverse range of coverage options, strives to provide individuals and families with the flexibility and protection needed to navigate the complexities of the healthcare landscape.

Whether through short-term medical insurance or supplemental coverage for large out-of-pocket expenses, National General remains committed to ensuring the well-being of its policyholders.

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