National General Short Term Health Insurance Review
Customer Experience
National General Insurance is a good choice for short term health insurance plans mainly because of its many options for plan customization. Lifetime and out of pocket maximums, as well as deductibles and coinsurance percentages all have a wide range range of choices that enable the consumer to get the exact plan that best fits their needs. Additionally, patients get to choose from Aetna's enormous Open Choice® PPO Network. The company also has a good reputation for customer service with the BBB, and barely any complaints lodged with the NAIC.
NATIONAL GENERAL KEY PLAN FEATURES
National General's short term health insurance plans provide limited benefits for unexpected medical bills and other healthcare expenses. Customers can access the large Aetna Open Choice® PPO Network of 690,000 doctors and specialists as well as 5,700 hospitals. This provides maximum flexibility in finding the right physician or service. In addition to coverage for doctor visits, urgent care, ER, and ambulance services, National General also provides telemedicine services so patients can consult with doctors 24/7 over the phone. Plans are available in 35 states.
| Coverage |
Routine Doctor Visits Labs X-Rays Diagnostic Services Hospital ER Ambulance Urgent Care Facility |
| Term Range |
30 days - 12 months |
| Prescription Coverage |
National General's plan does not cover outpatient prescription medication. |
NATIONAL GENERAL PLAN COST
In terms of price, National General offers a lot more flexibility than most in customizing plans in order to affect the premium price. The company offers lifetime maximums of $100,000, $250,000, and $1 million. Deductibles can be set anywhere from $1,000 to $25,000, and coinsurance options can see customers paying anywhere from 0% to 50% up to their out of pocket maximum. Maximums also have plenty of options and can be set as low as $2,500 or as high as $30,000. All of these variables will ultimately affect the monthly premium. Choosing higher deductibles and higher coinsurance payments will result in lower premiums and vice versa.
| Deductible Frequency |
Per Term |
| Deductible |
$1,000 $2,500 $5,000 $10,000 $25,000 |
| Coinsurance |
10% 20% 50% 0% |
| Coinsurance Out of Pocket Max |
$2,500 $5,000 $6,000 $7,500 $10,000 $15,000 $30,000 |
| Lifetime Maximum |
$100,000, $250,000, $1 million |
| Copays |
Urgent care - $50 (no deductible), ER - $250 |
FINANCIAL REPUTATION
National General has been rated A- (excellent) by A.M. Best. This indicates a strong reputation for creditworthiness and ability to pay claims and meet future financial obligations. The company also has an A+ with the BBB and a very low complaint ratio with the NAIC, with only 2 complaints lodged with the organization in 2017, which is well below the national average.
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- Temporary protection for unexpected medical bills
- 30 days - 1 year terms
- Doctor visit, ER, and ambulance coverage
- Large array of coinsurance and deductible options
- Uses national Aetna Open Choice PPO Network
