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
On April 8, 2010, Ingham County (Michigan) Circuit Court Judge William E. Collette issued a Rehabilitation Order placing American Community Mutual Insurance Company ("American Community") into Rehabilitation and named the Commissioner of the Office of Financial and Insurance Regulation ("OFIR") as the company's Rehabilitator. Rehabilitation is a corporate reorganization under Chapter 81 of the Michigan Insurance Code that is conducted under the supervision of the Ingham County Circuit Court. The Rehabilitation Order allows OFIR to ascertain American Community's financial condition and implement steps to protect American Community policyholders and creditors
in all states where the company has business. Click here to read more.
Orders (by State)
American Community files financial statements with the Ingham County (Michigan) court on a monthly basis. Click here to view the most recent statement.
For additional filings and information, click here to visit the OFIR website.
Group Coverage
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Individual Coverage |
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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:
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.
In the coming weeks United will notify American Community’s small groups
about the availability of coverage from United. Click on the links below for more information:
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Medicare Supplement
On August 3, 2011, the Ingham County Michigan Circuit Court has approved a plan for American Community’s Medicare Supplement business to be transitioned to Bankers Fidelity Life Insurance Company (“Bankers Fidelity”) of Atlanta, Georgia. A subsidiary of Atlantic American Corporation, Bankers Fidelity is an established industry leader in the marketing of insurance products to senior citizens throughout the United States. The company markets its products and services through a network of independent agents.
The transition of Medicare Supplement business to Bankers Fidelity has been completed as of December 1, 2011. For questions regarding Medicare Supplement business, please contact Bankers at:
Questions Regarding Your Claims
Bankers Fidelity
Claims Department
PO Box 105652
Atlanta, GA 30348-5652
(866) 458-7499
Questions Regarding Your Policy
Bankers Fidelity
Policy Holder Services
PO Box 105185
Atlanta, GA 30348-5185
(866) 458-7500
bflphs@bflic.com
Letters were mailed to Medicare Supplement policyholders on October 10, 2011 notifying them of American Community’s intent to transition their business to Bankers Fidelity. Beginning December 1, 2011, policyholders will receive future updates directly from Bankers Fidelity.
Individual Medical
On June 9, 2010,
the Ingham County (Michigan) court approved OFIR's Transition Plan Agreement between American Community and UnitedHealthcare's Golden Rule Insurance Company. The Agreement provides existing American Community individual medical policyholders the option to transfer their coverage to Golden Rule. Golden Rule has extended this offer to September 30, 2010; affected American Community policyholders have been notified by mail. As a guaranteed-issue plan, Golden Rule will not turn down any current American Community Individual policyholder because of his or her health.
Policyholders who apply to Golden Rule should continue paying their American Community premiums until they receive proof of coverage from Golden Rule. Once proof of Golden Rule coverage is received, policyholders should contact American Community to cancel their current policy.
Click on the links below for more information:
Important note re: cancellations Until you obtain other health
insurance coverage, you should continue to pay your premiums to American
Community to keep your policy in force. Once you have obtained other
coverage, be sure to notify American Community to cancel your policy as
follows: Fax to: (734) 853-2267
Click here to cancel
by e-mail.
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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.
Individual Disability or Group Non-Medical Coverage
For questions regarding Individual disability or 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.
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