Assurant Health-John Alden Short Term Medical Insurance

Local calls:
     English: 401-667-0097
     En Espanola: 401-372-1181 

Click here for a quote.
We are providing this option if you’d like insurance coverage for most of your medical bills. John Alden is an insurance company that offers a plan in Rhode Island that has some limitations. Here is a description of the highlights of the plan:

Deductibles
John Alden insurance has several choices of a deductible. A deductible means that the insurer will not pay any bills until you or your family have expenses that are greater than the deductible. Even prescriptions are not covered until the costs have exceeded the deductible amount you select.

Usual and Customary Payments
John Alden will then pay 80% or 100% (depending on the plan you choose) of the usual and customary costs of many medical expenses. John Alden does not sign up medical providers like some insurers. Instead it reimburses the medical provider or you by paying Usual and Customary fees. Usual and Customary is an average charge for medical procedures in an area. Therefore, even if you choose 100% coverage after the deductible, insurance will not always pay 100% of a medical provider’s actual charge, if it is greater than the area average.

To Be Eligible
John Alden sells individual health policies which is not like group or employer health insurance. It has the right to reject insuring and covering applicants with serious diseases. You may be denied coverage if you’ve had or have Cancer, Diabetes, AIDS, Heart Disease, etc.

Pre-Existing Conditions
If you’ve had a medical problem over the past year, John Alden will not cover something you’ve had that might re-occur this year. Any new problem that occurs while insured is usually covered.

Length of Coverage
John Alden will only cover people for a maximum of one year. If you want coverage beyond one year, other alternatives will have to be found.

USI
Is an insurance agency we have engaged that can help you to choose and price the coverage if you need help beyond the website material. Feel free to call them for a more detailed discussion of the plan and its prices. 

Disclaimer:
Health Access R.I. has placed this coverage alternative on the website as a possible solution to cover you and/or your family. We do not guarantee or endorse that it is the best solution for you, or that it will pay any claim. Always consult the insurer’s policy documents for actual coverage policies, exclusions and details.