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Definity Health Insurance Company

Definity Health Insurance Company may be the straightforward health insurance company that you have been looking for.  Health insurance should not be so confusing and Definity Health Insurance Company gives you all the information you need right upfront on their website and with online quotes. The purpose of this paper is to help you decide if a health insurance company like Definity can meet your needs.

Insurance Products Offered By Definity Health Insurance Company

Definity Health Insurance Company offers you many choices in health insurance coverage.  Here are some of the programs you might choose from.  Definity offers a:

  • PPO service that features a deductible and health reimbursement account (HRA).  The deductibles are high, but that helps keep monthly rates (your premiums) low. 

  • HRA that allows you to afford coverage before your deductible is met.  The whole program works in a fluid manner to give you great coverage at affordable prices.

All preventative health care under the plan is covered 100%.  Your deductible does not have to be met and you never pay a thing.  Prevention is one of the keys to keeping health care costs low and therefore keeping your costs low.   

Office visits are at 10% for in network with no charge for children under the age of 2 and out of network is at a cost of 40%. This is a popular aspect of PPO because you can decide if your priority is a lower rate or using a specific physician.

The deductibles are as follows for each benefit level:

Employee only - $1500 Employee plus adult - $2250 Employee plus children - $2250 Family - $3000

The HRA accounts are as follows for each benefit level:

Employee - $750 Employee plus adult - $1125 Employee plus children - $1125 Family - $1500

In addition to the typical coverage under each plan there is also a focus on education with health education tools and support to help you completely understand your health needs and help you stay as healthy as possible.

Reasons To Choose A Definity Health Insurance Plan

Definity Health Insurance Company was founded in 1998 and is based in Minneapolis.  The company strives to provide a new direction in health care where the focus is on consumers, not money.  Currently, the company is a member of the United Health Group.

They are a national provide with no referrals required.  The unique aspect of the HRA allows you more flexibility and use from your health insurance policy. These health savings plans are usually based on pre-tax dollars, however you’ll need to check with a representative to make sure that this is the case.

Definity Health Insurance Company is focused on keeping you informed.  Their claim is that you are never out of the loop when it comes to insurance coverage.  They strive to make sure that you will always know exactly what coverage you have and what exceptions there may be. 

According to the company website, you will also be given education and information that helps you understand your medical needs and helps you to learn to prevent problems in the future. They also provide literature and live contacts to help you understand your costs.

How To Enroll With Definity Health Insurance Company

Enrollment with Definity Health Insurance Company is usually through your employer.  New hires may enroll within 31 days of their hire date.  Changes in your family or status also allow you to enroll.  There is also an Open Enrollment period every November when you may enroll or change your benefits.  To enroll you would apply with the Benefits Office.

Get Definity Health Insurance Quotes

You need to get a quote from Definity Health Insurance Company so that you may be sure you get the right plan. 

Getting a quote allows you to see what plans at Definity Health Insurance Company will work the best for you. 

Just go to the free and convenient quote tool above and compare many company’s rates at once! Get started finding health insurance now!