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Liberty Mutual Health Insurance Company

Liberty Mutual Health Insurance Company is a name you don’t often hear about, as Liberty Mutual is not your typical health insurance company. Based in Boston, MA and best known for its home, auto and life insurance offerings, Liberty Mutual also has some health insurance company type of offerings.

The Liberty Mutual health insurance company products are limited to select group benefits in the United States, Vietnam and other international operations throughout the world. Liberty Mutual has been around for almost 100 years, has a great reputation, is constantly growing and offers superior products and services.

When you are finished reading the Liberty Mutual health insurance company review then use our free quote comparison tool at the top of the page to compare the top health insurance companies offering coverage in your home zip code.

Liberty Mutual Health Insurance Company: Worker’s Compensation

Worker’s Compensation insurance is one of those things that a business cannot do without, once it meets the minimum number of employees mandated by the state. Worker’s Comp is in place to protect both the employees and employer in case of accidents on the job. It provides benefits to cover the medical costs and loss of wages for an employee hurt at work, in exchange for the employee not suing his or her employer for negligence. It also pays out benefits to the family of a worker killed while working.

Liberty Mutual is one of the many companies in the marketplace who offer worker’s compensation insurance for employers. However, one of its major benefits is that it also offers occupational health and safety programs to help you with reducing the risk to your employees and lowering your annual claims. Liberty Mutual specializes in researching workplace safety issues.

Liberty Mutual and its affiliates offer a managed care plan for worker’s compensation that has a number of advantages.

  1. huge Medical Provider Network, including Blue Cross providers

  2. disability case management, with medical directors to help deal with difficult situations

  3. expert knowledge in occupational health and safety to prevent future losses

  4. reviewing of medical bills

  5. lower pay-outs from claims, leading to fewer premium increases

  6. return-to-work plans to benefit employer and employee

Liberty Mutual Health Insurance Company: Group Offerings

As a part of any company’s health insurance needs are the extra coverage options needed for serious illness and injury. Group health insurance, like a PPO or HMO, will take care of your costs for those everyday things like visits to the doctor, preventative care and even the medical cost of hospitalization. However, there are many things that are not covered especially when the hospitalization is long or you are left with a disability, or even worse.

Liberty Mutual has a selection of group insurance products to fit any business that will take care of the things that regular health insurance does not.  These plans will help replace lost income due to accident, illness or death, and will even pay lump-sum benefits in certain cases. They include the following types of coverage.

  1. Accidental Death and Dismemberment

  2. Short Term Disability

  3. Long Term Disability

  4. Family and Medical Leave Act (FMLA)

  5. Group Life Insurance

  6. Integrated Disability Management

Liberty Mutual has an online system in place to help you manage your group benefits program. You can get benefits forms, check on a claim and more. Even your employees can file their own claim or check on it online. If they are uncomfortable doing it online, there is always claims filing by phone, fax or paper. Liberty Mutual handles more disability claims than any other insurer in the United States; therefore they have experience and know-how on their side.

Liberty Mutual Health Insurance Company: Their Strengths

Liberty Mutual is not just an insurance company that has been in business for a long time, it has many other attributes as an insurer. The independent insurance ratings companies give it “A” ratings, indicating good to excellent ratings. It is a Fortune 500 company and the second largest American company in international property and casualty insurance. With two different research centers, one for disability and another for workplace safety, they are tops in loss prevention.

Liberty Mutual Health Insurance Quotes

If you are looking for those extra group health insurance products or worker’s compensation coverage for your company, Liberty Mutual Health Insurance Company may be just the provider for you.

Get your free quote using our online quote tool at the top of this page and start comparing Liberty Mutual Health Insurance Company and other top health insurance providers!

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