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American Community Withdrawing from Individual and Small Group Markets
Policies/Certificates Will Terminate on May 1, 2011 or Later
Due to its financial condition and current state of Rehabilitation, American Community is withdrawing from the Individual and Small Group health insurance markets as noted below and cancelling all Individual and Small Group insurance coverages as permitted by federal and state law except as noted below:
Individual Business
(except Disability/Weekly Income and Medicare Supplement)
Arizona
Arkansas
Illinois
Indiana
Iowa
Michigan
Missouri
Nebraska
Ohio
Oklahoma
South Carolina
Tennessee
Texas
Wisconsin
Group Business
(except Accidental Death and Dismemberment, Dental, Disability/Weekly Income, Life and Vision)
Arizona
Illinois
Iowa
Missouri
Nebraska
Ohio
In October, those American Community policy/certificate holders who are affected by this withdrawal received a letter informing them that their coverage will terminate and the effective date of the termination. Although the termination date varies by policy, the earliest possible date that coverage will terminate is May 1, 2011.
American Community has reached an agreement with UnitedHealthcare Golden Rule Insurance Company (Golden Rule) to provide an offer for replacement health insurance coverage for American Community Individual insureds. Golden Rule is extending this offer without underwriting and with no exclusions for pre-existing conditions, meaning that insureds cannot be turned down because of their health.
Eligible insureds have already received their notification letters from Golden Rule via postal mail. Insureds are encouraged to consider this offer or seek an alternate health insurance company in order to maintain uninterrupted coverage. They may also want to discuss their health insurance options with their agent.
Until policy/certificate holders obtain other health insurance coverage, they should continue to pay their premiums to keep their American Community policy in force. Once they have obtained other coverage, they need to notify American Community to terminate their policy.
View sample policy/certificate holder letter for Individual business
View sample policy/certificate holder letter for Group business
Dental, Vision, Life, Short-term Disability
On June 30, 2010, the Ingham County (Michigan) Court approved the rehabilitator's plan for American Community to enter into a reinsurance agreement with Security Life Insurance Company of America, one of the nation's leading providers of dental, vision and group life insurance. Security Life will assume responsibility for American Community's group dental, vision, life and short-term disability coverage. Affected policyholders will be notified by postal mail in the coming weeks. Click on the links below for more information:
Security Life Transition Packets to be Mailed to Employers in March 2011
The following information will be sent to employers with group coverage that is being transferred to Security Life the week of March 1, 2011 (Click here to view a sample of this packet)<. A separate packet for clients with Disability coverage will be sent from our Lancaster, Pennsylvania office.
1. A state-specific Security Life Assumption Certificate
2. Introduction Letter
3. Dental ID cards (if applicable)
4. An administrative instruction packet, including:
Enrollment forms (although we will still accept the ACM forms if sent)
Life beneficiary forms- we need updated forms returned
Change forms
Privacy forms
GLB noticebr>
How to contact us
On or around March 10, the first Security Life billings will be sent out to the active employer groups.
Security Life looks forward to servicing you and your employees going forward. If you have any questions, please contact us at services@adminsafe.com.
Group Medical Coverage
Small Group Medical Coverage Assumed by USHL for Michigan and Indiana Business
US Health and Life Insurance Company has assumed the American Community Small Employer business in Indiana and Michigan effective May 1, 2011. For inquiries regarding this business, please contact US Health and Life at (800) 211-1534.
United HealthCare Offer to American Community Small Groups
On July 14, 2010, the Court approved the rehabilitator’s plan for
American Community to enter into a transition plan with United HealthCare Insurance Company.
United notified American Community’s small groups about the availability of coverage. Click on the links below for more information:
Our customer service team is there for you, ready to provide answers and solutions to questions and problems. You can reach a Customer Service Representative Monday through Thursday, 8 a.m. to 5 p.m. and Friday, 8 a.m. to 2 p.m., EST. Just call (800) 991-2642.
Group Non-Medical Coverage
For questions regarding Group non-medical coverage, please contact Security Life as noted below:
Disability questions:
P.O. Box 83149
Lancaster, PA 17608
(800) 233-0307
(717) 397-2751
Non-Disability Questions:
P.O. Box 1064
Schenectady, NY 12301
(877) 862-8949
Small Group Medical Coverage in Michigan and Indiana
For questions regarding Small Group medical coverage in Michigan or Indiana, please contact US Health and Life at (800) 211-1534.
People who care. Policies that protect.®
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