National General Health Insurance Vs. UnitedHealthcare: Which is Best in 2021?

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National General Accident and Health (NGAH) is a sub-division of the National General Health Insurance (NGHI). It provides supplemental and short-term coverage to individuals, organizations, and groups. Products of this company are endorsed by Time Insurance Company, National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation. They provide health insurance in all 50 states of the United States and the District of Columbia.

National General Health Insurance Vs. UnitedHealthcare

Here is a brief comparison between National General Health Insurance and UnitedHealthcare:

Short-Term Coverage 

NGAH of National General Health Insurance offers you a short-term medical plan to face the erratic moments in life. It gives you the financial guarantee you need to cope up with unexpected medical bills and other health care expenses. NGAH provides short-term medical coverage through Aetna and Cigna PPO networks.

On the other hand, UnitedHealthcare’s short-term medical plan covers the gap until you find the right longer-term solution. It is temporary health insurance that a consumer can apply to fulfill the following requirements –

  • Not able to apply for the Affordable Care Act (ACA) or waiting for it to start
  • Looking for a plan to bridge the gap between you and Medicare
  • Coming out of your parent’s insurance after turning 26
  • Waiting for benefits to start at your new job

Once you meet these conditions, you can apply for short-term health insurance with a length between 1 to 12 months (depending on the state).

Dental Plans

Dental health is a critical part of your overall health. Everyone wants to live a happy life and possess a beautiful smile. Dental plans help the consumers to plan a budget for dental care. Golden Rule Insurance Company funds the Dental insurance plans of UnitedHealthcare. It offers a wide range of affordable dental care plans that include both basic and major services and preventive care. Moreover, you can access to their wide dental network in both private and retail settings.

NGAH of National General Health Insurance also offers multiple dental care plans with different benefit levels. But unlike UnitedHealthcare, NGAH does not require a waiting period for preventive care. You can get access to all the coverage you need in no time. It also provides discounts on all basic services.

Medicare Supplement Plans

Both National General Health Insurance and UnitedHealthcare offer a variety of Medicare Supplement plans.

Health Insurance Companies Medicare Supplement Plans
NGAH of National General Health Insurance A, F, G, N, HD-F
UnitedHealthcare A, B, C, F, G, K, L, N

 

NGAH of National General Health Insurance offers five types of Medicare Supplement plans – Plan A, F, G, N, and a high deductible F. Meanwhile, UnitedHealthcare provides eight Medicare Supplement plans that include Plan A, B, C, F, G, K, L, and N.

Supplemental Insurance Plans

Both National General Health Insurance and UnitedHealthcare offer Supplemental insurance plans with different benefits –

UnitedHealthcare NGAH of National General Health Insurance
  • Hospital and doctor insurance
  • Vision insurance
  • Term life insurance
  • International travel insurance
  • Accident insurance
  • Hospitalization insurance
  • Critical illness insurance
  • Student health insurance
  • Multi-coverage out-of-pocket plans
  • Critical illness plans
  • Hospitalization coverage
  • Accident plans

 

Besides all these plans, UnitedHealthcare offers Medicare and Medicaid plans that are not offered by National General Health Insurance. But NGAH offers a Fixed-Benefit medical plan to consumers. Moreover, underwriting companies of NGHI have been rated as “A-” by A.M. Best. Whereas the underwriting company of UnitedHealthcare, i.e Golden Rule Insurance Company, got an “A”. Hence, UnitedHealthcare is better than National General Health Insurance.

Frequently Asked Questions

Q. What is the industry rating of United American Insurance Company?

For over forty consecutive years, United American Insurance Company has earned the Financial Strength Rating of A+ (Superior) from A.M. Best. Meanwhile, Standard and Poor’s have given them a rating of AA- or “Very Strong”.

Q. What is the Supplemental health insurance benefit of United American Insurance Company?

United American Insurance Company offers Supplemental Health Insurance in the following areas –

Cancer Insurance: 40 out of 100 men and 39 out of 100 women develop cancer in the United States. Diagnosis and treatment of cancer can be very expensive. Upon written satisfactory proof, the company will give you a lump sum benefit.

Critical Illness Insurance: In the United States, nearly 801,000 people die from cardiovascular diseases. Other serious illness includes major organ transplant, stroke, loss of eyesight and hearing, and end-stage renal failure. In this situation, the company will offer you a lump sum benefit for your need.

Accident Insurance: If you have certain accidental injuries like dislocations, amputations, and fractures, the company will pay a lump sum amount of up to $10,000. It also pays up to $6,250 for hospital stays for a period as long as 25 weeks.

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