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The COVID-19 Coronavirus health crisis is presenting unprecedented challenges that are being felt worldwide and deep in the heart of our communities. At Combined Insurance, we have taken steps to protect our employees and their families while working to maintain solid levels of support and service for our customers
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Combined Insurance, a leading provider of individual and group supplemental accident, disability, health, and life insurance products, and a Chubb company, educates consumers about coverage gaps and out-of-pocket expenses associated with health coverage during Open Enrollment and encourages consumers to understand the value of supplemental insurance. Open enrollment is a time when millions of Americans make important health insurance decisions and can make changes in the plans they choose for the coming year.
For those enrolled in a plan through their employer or a state or federal Affordable Care Act marketplace exchange, this year’s Open Enrollment is November 1 through January 31.
Chris Martin, President of Combined Worksite Solutions and Chubb Workplace Benefits explains, “This Open Enrollment period is a unique time for individuals and families, as more employers are offering voluntary benefits to cover the out-of-pocket costs of health insurance and medical expenses. We want to take the time to educate consumers on how supplemental insurance can fit into the insurance plans they choose during this enrollment period.”
Regardless of whether an individual has major medical insurance through his or her employer or through an ACA exchange, gaps in coverage may still exist. And, health care co-pays, deductibles, and co-insurance out-of-pocket expenses can add up quickly.
According to a Kaiser Family Foundation and New York Times survey, one in five Americans with health insurance will struggle to pay medical bills in 2016.
“Supplemental insurance is really just a separate insurance plan that adds to or ‘supplements’ the health coverage individuals and families might already have. It provides extra protection to the insured when it’s needed most,” said Martin.
As its name implies, supplemental insurance complements existing major medical coverage. Benefits are paid directly to policyholders and can be used however they wish, whether it be to help pay for medical expenses or non-medical expenses often associated with serious illness or injury, such as transportation, childcare, and household assistance.
For more information on Combined Insurance supplemental insurance policies, please call 1-800-490-1322 or visit combinedinsurance.com.
About Combined Insurance
Combined Insurance Company of America (Chicago, IL) is a leading provider of individual supplemental accident, disability, health and life insurance products and a Chubb company. With a tradition of more than 90 years of success, Combined Insurance is one of Ward’s Top 50® Performing Life-Health Insurance Companies and was named the number one Military Friendly® Employer by G.I. Jobs magazine in 2015 and 2016. Combined Insurance is committed to making the world of supplemental insurance easy to understand. For more information about Combined Insurance products, career opportunities or to contact a local sales agent, call 1-800-490-1322 or visit www.combinedinsurance.com.
About the New Chubb
Chubb is the world's largest publicly traded property and casualty insurance company. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 31,000 people worldwide. Additional information can be found at: new.chubb.com.
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Combined Insurance Company of America (Chicago, IL Illinois) is a leading provider of individual supplemental accident, disability, health, and life insurance products and a Chubb company. With a tradition of nearly 100 years of success, we have an A+ rating by the Better Business Bureau and are one of Ward’s Top 50® Performing Life-Health Insurance Companies. Combined Insurance is also the number one Military Friendly® Employer in the over $1B revenue category for 2019 by VIQTORY. This is the company’s eighth consecutive year on the top 10 list and fifth consecutive year in the top 5—Combined Insurance was previously named the number one Military Friendly® Employer in the nation for 2015 and 2016. In New York, products are underwritten by Combined Life Insurance Company of New York (Latham, NY).
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