Get an Instant Quote
Compare dozens of plans and insurance companies.
When you decide on an HSA plan you like, click "apply" and you can sign up right online.
From our clients...
"Your company is very personable, pleasant to deal with and patient with all my questions. I was new to Health Savings Accounts and wanted to make sure I had a good understanding of what they were."
Linda Nelson - Lenexa, TX
"I would certainly recommend your company to others and feel you are offering a valuable service to all of us who are frustrated with the current health care system."
Diane Rumsey - Edmond, OK
"We were really impressed with the service and the straightforward answers."
Cory Shain - Patskala, OH
Nationwide Farm Bureau HSA Plans
The Nationwide PPO Choice Saver Select Plan is an HSA Qualified Plan.
HSA-qualified plans offer lower deductibles and tax benefits that traditional copay plans don't. They are amongst the most popular plans offered by Nationwide Life Insurance Company in California. These plans currently are usually the lowest premiums of any individual or family HSA plans in the state. They also have several additional benefits not included in other HSA plans.
The PPO Choice Saver Select plan is designed to provide you with economic incentives for using designated health care providers (PPO network). It provides coverage for major hospital, medical, and surgical expenses incurred as a result of a covered accident or sickness. Coverage is provided for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital medical services and out-of-hospital care, subject to any deductibles or other limitations which may be set forth in the policy.
Note: Nationwide plans are now being underwritten by Health Net
Supplemental
Accident Coverage
The perfect complement to any HSA
On This Page
Nationwide HSA Plan at a Glance
The PPO Choice Saver Select plan qualifies as HSA-eligible. Combining a Health Savings Account (HSA) with this Nationwide HSA plan allows you to make tax-deductible contributions, pay medical expenses with pre-tax dollars, and earn tax-deferred interest. This account works much like an IRA, except you may use your tax-free savings for qualified medical expenses your health plan does not cover, such as your deductible, contact lenses, or most types of alternative medicine (see the qualified medical expenses). If you do not use these funds, they simply accumulate with interest, for distribution upon your retirement.
Use the Expand button to the right to view the plan details...
|
1.
Benefits reduced to 0% if pre-authorization is not obtained.
2.
Benefits reduced to 0% for confinements in a Non-PPO Hospital where
a PPO Hospital is reasonably available, the Covered Person’s condition
has been stabilized and can safely be transferred to a PPO Hospital.
3.
Combined lifetime maximum of $5,000 for “Inpatient” and “Outpatient”
services.
4.
PPO and Non-PPO combined maximum is 20 visits per calendar year with
a maximum payable of $600 while utilizing a PPO provider ($300 while
utilizing a Non-PPO provider). The calendar year maximum amount
payable for PPO and Non-PPO combined is $600.
5.
The maximum combined for Non-PPO MRI’s, CT Scans and PET Scans
is $500 per day.
6.
Calendar year maximum payable of $500 while utilizing a PPO provider
($300 while utilizing a Non-PPO provider). The calendar year maximum
amount payable for PPO and Non-PPO Covered Charges combined is $500.
7.Must
use a United Resource Network hospital or doctor or benefit is reduced
to 0%. *Service mark used under license from the California Farm
Bureau Federation.
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.
Coverage Synopsis
PPO CHOICE SAVER SELECT - After you have met your deductible, this plan pays 100% of all covered expenses, up to $5 million per person...
This plan qualifies as HSA-eligible. Combining a Health Savings Account with any Choice Saver Select plan allows you to make tax-deductible contributions, pay medical expenses with pre-tax dollars, and earn tax-deferred interest. This account works much like an IRA, except you may use your tax-free savings for qualified medical expenses your health plan does not cover, such as your deductible, contact lenses, or most types of alternative medicine (see the HSA qualified medical expenses page). If you do not use these funds, they are always yours and continue to grow tax-deferred.
This plan includes many benefits not typically included by other companies offering HSA plans. These include:
- Routine maternity expenses are covered the same as any other covered services (only available with the $3,600 and $4,800 deductible options)
- Provides $5,000 Term Life on primary insured and $2500 on Spouse
- Provides $5,000 Accidental Death and Dismemberment on primary insured and $2,500 on Spouse
- Mental Health is covered at 100% after the deductible. Limited to 20 visits and $600 per year, and $5,000 lifetime.
- Preventative care is covered at 100%, $250 per person, with NO DEDUCTIBLE
- Membership with the California Farm Bureau, offering discounts with NAPA, Kelly-Moore Paints, Dodge, Hertz, LensCrafters, and other participating vendors
Rate Information
Rates vary based upon zip code, age, and effective date. Please run an instant quote to see available rates. The premium can be paid via quarterly, semi-annual, or annual billing, or a monthly bank draft or credit card. The bank draft will occur on the premium due date each month. The initial premium can be paid with a check or credit card.
To qualify for the Nationwide health plan in California, you must either already be a Farm Bureau member, or you must pay the annual membership dues along with your application. The dues for this membership average approximately $70 per year, but vary by county and occupation status. Your dues are payable in one yearly installment when you apply for a Nationwide health plan. The one page application is included as page 4 of the Nationwide application. If you are rejected for the Nationwide health plan, you may cancel your Farm Bureau membership and receive a full refund.
Nationwide PPO Network
Nationwide plans are underwritten by Health Net Insurance. Health Net has an excellent network of health care providers throughout the state. The large list of doctors and hospitals can be viewed at their online network listings. Please select the PPO – Individual Plans option.
Underwriting
Nationwide programs are very popular in California, but their approval process is fairly slow. Underwriting of your application can take as little two to three weeks, but if medical records are ordered it is not unusual for the process to take over a month.
It is standard practice to request a Blood Pressure Inquiry or medical records for all applicants who are currently being treated for or who have recently discontinued treatment for high blood pressure. Certain conditions may be waivered with a temporary rider (usually for one to two years), or an indefinite rider.
Effective Dates
All Nationwide policies begin the first of the month. The earliest your coverage can go into effect is the first of the month after your signed application has been received by our office. You may request an effective date any time as far out as 60 days after you sign your application.
Please note, if you are requesting an effective date of less than 21 days from the time you complete the application, you may not receive notification of your approval until after your effective date. If you have claims during this period, they will be eligible for coverage if submitted after you have been approved. Also note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved. This is very good for someone who does not have any present coverage and would like for their benefits to begin right away. For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either HSA for America or directly from Nationwide that your coverage has been approved and is in force.
HSA Administrators
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.
About Nationwide Insurance Company
Nationwide plans are underwritten by Health Net Insurance. Health Net Insurance is among the nation's largest publicly traded managed health care companies. The company's HMO, POS, insured PPO and government contracts subsidiaries provide health benefits to approximately 6.5 million individuals in 27 states and the District of Columbia through group, individual, Medicare, Medicaid and TRICARE programs...
Health Net is an early adopter of the National Committee for Quality Assurance (NCQA) new quality plus standards for assessing how health plans measure the quality and efficiency of care provided by physicians and hospitals in their networks.
Health Net has been assigned a rating of B++ (Very Good) from the A.M. Best Company, an independent insurance rating organization.
HSA for America is an independent authorized Health Net agent. CA License #: 0E39302
"The service I received from you was exceptional."
Until I found you I felt very alone out there searching for insurance. The industry is so impersonal and complex.
The service I received from you was exceptional. It was like a breath of fresh air after my many years of dealing with this issue. Every step of the process was well attended to and that was very reassuring. It is rare to get that kind of follow up. Usually the customer has to be the one to contact the company. I felt my questions were answered quickly. Your support staff was professional. The way that you have live people to talk with meant a lot to me. This is the day of prompts and endless frustration trying to get an actual person on the other line. It meant a lot to me to receive that kind of attention. Our healthcare system is such a mess right now, I think it is so great that you are looking at all the ways we can be more savvy in our choices.
Keep doing the exceptional job you are. If you expand...don't lose that personal touch. It is rare and people are looking for it. It stands out and is really important.
Lynn
Ely
Registered Nurse, Massage Therapist
Nevada City, CA
Nationwide Insurance in the News
Nationwide Insurance, Allied Insurance Begin Response for Severe Weather
Nationwide and Allied Insurance customers are getting assistance from claims representatives and agents in response to damages caused by recent tornadoes, heavy rains and hail repo
Nationwide Insurance Columbus Marathon, Nationwide Insurance Partner with Nationwide Children's Hospital
Today, the Nationwide Insurance Columbus Marathon and Nationwide Insurance are making Nationwide Children's Hospital the title beneficiary of the annual running and walking event, renaming it the Nationwide Children's Hospital Columbus Marathon & ½ Marathon.
Nationwide Speaks Out on N.C. Automobile Insurance Rate Modernization
Nationwide Insurance Regional Vice President for North Carolina Lee Morton spoke before the N.C. Legislative Research Commission Joint Study Committee on Automobile Insurance Modernization today.
Revolution Analytics Announces "Applications of R in Business" Contest Winners
Revolution Analytics, the leading commercial provider of R software, services and support, today announced that Shannon Terry and Ben Ogorek of Nationwide Insurance have won the company’s first “Applications of R in Business” competition and received the $10,000 grand prize.
Health Insurance Stocks For a Republican Win
Investors busy assessing how the state of the global economy will affect their stock portfolios should start thinking about how the presidential race will weigh in. In particular, investors may want to look at how to play the health insurance space. Health care remains a subject of divide between the two parties, with Republicans trying to repeal Obama's nationwide health care reform since ...
Scottsdale Insurance Company® Celebrates 30 Remarkable Years of Providing Exceptional Excess & Surplus Coverage
Scottsdale Insurance Company, a leader in the Excess & Surplus and Specialty Lines arena, celebrates 30 years in business. Founded in January 1982 by Rollie Wiegers with backin
Insurance agent satisfaction dives at Allstate
Satisfaction among Allstate Corp.'s exclusive insurance agents nationwide was 49 percent in 2011, down from 60 percent last year, according to company documents obtained by the Tribune.
XL Group and Affinity Agency Group Enter New Underwriting Agreement to Provide Club Links Insurance Program
EXTON, Pa., Feb. 2, 2012 /PRNewswire/ -- The Insurance segment of XL Group plc (NYSE: XL - News) and Affinity Agency Group LLC, today announced a new joint underwriting agreement to offer The Affinity Club Links ...
PSU Fan Reflects on Paterno
Looking around the Nationwide Insurance office in Frackville there is no doubt that the businessman is a Penn State fan, but more than that, he brushed elbows with the legendary football coach Joe Paterno.
The Hanover Counters Industry Trends, Deploys 60 New Small Commercial Field Underwriters to Local Markets
WORCESTER, Mass., Feb. 1, 2012 /PRNewswire/ -- The Hanover Insurance Group, Inc. (NYSE: THG - News), a leading provider of property and casualty insurance products nationwide, today announced that it has further ...
