American National Insurance

Plans at a glance:

This information is presented only as a very brief overview of some of the benefits of this plan, and is intended only for general education.  The amount of benefits provided depends on the plan selected.  Premium will vary with the type of benefits selected.  These plans contain exclusions from and limitations of coverage.  Please see the product brochure for more complete information, as well as information about terms of renew ability, preexisting conditions, out-of-network penalties, and notification requirements.  Plans are subject to health underwriting.  To be considered for reimbursement, expenses must qualify as covered expenses.  Expenses are also subject to reasonable and customary limits, unless you use a network, and all other policy provisions, including determinations of medical necessity.

For complete details on each plan, please view the American National plan description pdfs:

HSA Complete

Catastrophic Complete

Coverage Synopsis:

If you choose to have more comprehensive coverage then the HSA Complete plan is the plan to choose as it covers most doctor's visits for illness or injury, wellness visits and prescription drugs as well as your more serious events such as surgery, organ transplant, and cancer.

If you are just looking for an emergency plan then Catastrophic Complete is the plan for you.  It covers any services that involve hospital confinement or surgical procedure, including outpatient surgery.  It also covers an annual mammogram that has an expense in excess of $25, but the plan does not cover other preventive services.

With both plans you can choose whether to have an Indemnity plan (this covers any provider) or choose a PPO network and save on monthly premiums.  You can also choose to have a 100%, 80% or 50% coinsurance policy and choose the deductible that is right for you and/or your family.  With each deductible there is a maximum amount you will pay out of your own pocket and then American National will pay 100% of the remaining cost up to your choice of a lifetime maximum.  You also receive automatic coverage of a newborn, adopted child or a child who is placed with you for adoption for the first 31 days, and the child may be added to your policy if notice is sent within that time frame.

These plans are HSA-qualified, allowing tax-deductible contributions, tax-deferred interest and interest free withdrawals.  This HSA works much like an IRA, only you may use your savings for qualified medical expenses your health plan does not cover, such as your deductible, contacts lenses, or certain types of alternative medicine.  If you do not use these funds, they simply accumulate, with interest, for distribution upon your retirement.

Rates:

Rates vary based on age, zip code of residence, optional riders, and other factors.  One of the primary objectives of American National is to provide insurance at the lowest possible cost.  In order to do this they will consider information from various sources such as reports from doctors or hospitals you may have visited as well as a physical exam if required.

When you run an instant quote you will get Preferred and Standard rate quotes.  To qualify for Preferred rates you need to be in very good health i.e. no pre-existing conditions, chronic or weight problems.

NCAA Benefits:

National Consumer's Advantage Association (NCAA) was formed to benefit members by providing information, resources and access to savings on products and services. NCAA offers two levels of membership, Silver and Gold. For Silver membership the monthly dues are $2.50 and Gold monthly dues are $4.50 and include the silver benefits as well. This charge is in addition to your monthly premiums.

Silver Benefits:

• Med Script Discount Pharmacy Service - Managed Care mail order service providing up to 50% discount on services
• Lens Crafters Vision Club - 20% discount on services; 10% discount on eye exams and contact lenses at some outlets
• Hearing Services - Up to 60% discount on quality hearing aids
• Vitamin and Nutrition Supplement discounts - 15% discount on a wide range of products
• Car Rental Discounts - Special Savings at Alamo, Avis, Hertz or National
• North American Van Lines Moving Services - Substantial discounts on interstate relocation services, including up to 58% on transportation charges
• Penny Wise Office Supplies Discounts - Up to 36% off already discounted prices on a large selection of items
• Powernet Global - Long Distance rate of 5.4 cents per minute state to state, 24 hours a day, 7 days a week
• Emergency Medical Info Card - Wallet size card provides personal medical profile in case of emergencies

Gold Benefits:

• Silver Benefits
  
• Medical Air Travel Assist
  
• Crisp Publications
  
• American Leasing Exchange
  
• File Solutions
  
• Pre-Employment Background Reports
  
• Payroll Processing Service
  
• Travel Club
  
• Quest Travel Plan
  
• Roadside Assistance
  
• Theme Park and Floral Service Discounts
  
• Magazine Subscription Discounts
  
• AD&D Coverage
  
• Global Fitness Program
  

Underwriting:

With American National you first become a member of NCAA and the insurance is a benefit of that membership.  American National Life Insurance Company of Texas (ANTEX) individually underwrites the insurance coverage.

In certain situations, underwriting may include:

• a paramed exam and blood test (not routine)
• a review of any attending physician's records

PPO Networks :

View the list of American National PPO Networks.

Effective dates:

If you currently have or have recently had coverage, you can request an effective date any time between the day you apply and 45 days later.  If an underwriter gives you conditional approval, your health insurance coverage can go into effect immediately.  If you have not had major medical health insurance within the past two months, you will have the choice of an effective date of 30 to 45 days after the application submission date.

HSA Administrator:

Your health savings account is totally separate from your health insurance, and you may use any approved bank or trustee as your HSA administrator.  We recommend that you choose one from our HSA administrator page, where you can compare rates and features.  Antex has teamed up with First Horizon Msaver to offer you savings on your HSA.  If you choose to combine an Msaver account with an American National HSA plan you will receive the following benefits:

• No HSA account set up fee
  
• Low monthly admin fee
  
• Convenient Debit card and Checks for easy account withdrawal
  
• First dollar interest on all HSA funds
  
• User friendly website and a professional toll-free customer service line

About American National:

American National Insurance of Texas (ANTEX) is a member of the American National Insurance family of companies.  In many areas of the country, America National Insurance offers a tremendous value on their Health Savings Account products.  They are especially competitive in both Texas and Oklahoma, as well as many of the other states.

American National Insurance is rated A+ (Excellent) by A.M. Best, an independent analysts of the insurance industry. This rating is based on financial and operating performance.

HSA for America is an independent authorized American National Insurance agent.

"The attention you pay to your customers is remarkable"

We chose to do business with you because your website was so thorough and explained HDHP's and HSA's so well. The service has been above and beyond my expectations.  You guys are awesome!  The attention you pay to your customers is remarkable.  I already have and plan to continue to recommend you to others.

Glenn Robinson
Carpenter
Breckenridge, CO

Read More...