Home  |  About Core Health  |  GET A QUOTE  |  FAQ's  |  Blog  |  Contact Us  |  Existing Core Health members  |  Insurance Agents

Get a quote for Core Health Insurance

 guaranteed issue, covers office visits, wellness, hospital, ICU, surgical, accident, emergency

Core Health Insurance

from United States Fire Insurance Company, administered by SASid Insurance Development

Single rates from $101 to $323 per month

Family rates from $362 to $874 per month

Find us on Facebook  Facebook icon

Top user questions:

What is Core Health Insurance?

Core Health Insurance is a limited medical insurance plan that is popular with people who cannot access or cannot afford other types of health insurance. It is not "Obamacare". Core Health Insurance does not meet the minimum coverage standards required for primary health insurance. It is designed and priced to help people gain initial access to health care and to save money on the types of medical expenses that we encounter most frequently.

Which plan is best for me?

There are four different Core Health Insurance plans to choose from, distinguished only by their price and the maximum amount of coverage provided. All four options will be displayed when you get a quote. The less expensive plans are better for supplemental coverage (if you already have catastrophic coverage) and the more expensive plans are better if used as a substitute for major medical coverage.  Read more and get a personalized proposal.

My doctor won't see me without insurance so I just need minimal coverage so that I can schedule an appointment. Will this plan work?

Yes, this is perhaps the most important benefit of Core Health Insurance. It  is a valuable first step toward improved health care and financial stability by offering access to the medical system even if it does not pay the majority of the cost of treatment. Read more and get a personalized proposal.

What is the difference between major medical insurance and Core Health Insurance?

It is important to understand these significant differences between major medical insurance and limited benefit medical insurance:

Major medical insurance typically has a high deductible but covers most medical expenses above that deductible. Treatment must be determined to be medically necessary and the price charged must be determined to be reasonable in order to qualify for coverage. Some people may be excluded from coverage and the premiums are relatively high. Major medical insurance sometimes offers continuity of coverage when switching to a group type coverage.

Core Health Insurance has no deductible, covers 100% of expenses up to the stated limit and does not cover large bills above the stated coverage limits. There is no attempt or expectation of covering the entire amount of a medical bill.  There is no determination of medical necessity and the insurer does not evaluate the reasonableness of the charge. Benefits are simply provided according to the pre-set benefits schedule. Everyone is eligible regardless of medical history and the premiums are relatively low. There is no continuity of coverage when changing policies.

Both types of coverage offer access to medical care when you need it and include a network of doctors and hospitals who have agreed to accept lower payment to plan members than the would otherwise charge. Read more and get a personalized proposal.

What doctors and hospitals accept Core Health Insurance?

Core Health Insurance uses the Multiplan Limited Medical Benefit preferred provider network but this does not mean that doctors and hospitals will accept the insurance as full payment for services. Read more and get a personalized proposal.

Are diabetics eligible for Core Health Insurance?

Yes. But keep in mind that if you already have diabetes then this is a pre-existing condition and some types of medical treatments will be subject to a waiting period at the beginning of a new policy. If you use prescription supplies to treat your diabetes then be aware that Core Health Insurance provides only a discount not insurance coverage for prescriptions.

Does Core Health Insurance cover prescriptions?

No; but a DrugCardAmerica retail pharmacy discount card is included with your enrollment package. Read more and get a personalized proposal.

Is there an enrollment fee?

Yes, there is a one time $50 enrollment fee.

How much does it cost?

The current monthly premium rates are:

Monthly Rates Physician Value Gold Platinum






Individual + Dependent(s)





Married, No Dependent(s)










Does Core Health cover pre-existing medical conditions?

Yes Core Health Insurance covers pre-existing medical conditions but with two limitations during the beginning of a new policy: First, there are no hospital or surgery benefits for treatment of pre-existing conditions in the first twelve months of the policy. Second, there is no sickness benefit for the first 30 days of the policy. Read more and get a personalized proposal.

Does Core Health Insurance provide wellness benefits?

Yes. They vary depending on the policy selected so see your schedule of benefits. Read more and get a personalized proposal.

Can I start and stop coverage at any time?

Yes. Coverage can start as soon as the online application is completed. It takes at least a few days (sometimes a few weeks if by mail) to cancel coverage because a written cancellation form is required. Read more and get a personalized proposal.

Can Core Health Insurance overlap my other coverage?

Yes. Benefits are determined and paid separately and independently of other coverage. Core Health Insurance is suitable for use as supplemental coverage. Read more and get a personalized proposal.

What are the main complaints about Core Health Insurance?

The primary complaint is that members were "sold" the coverage by a sales agent who did not explain the differences between Core Health and major medical insurance and the member did not bother to read the schedule of benefits that is provided on the enrollment page and in the policy. The second most common complaint is that individuals give their personal information and credit card information to individuals who claim to be agents but the insurance is not issued. Obviously we encourage you to avoid both of these practices. Read more and get a personalized proposal. 


January 4, 2016 - Core Health Insurance enrollment suppot is enhanced to allow web site visitors to schedule a telephone support call at their convenience.

April 9, 2014 - Core Health Insurance is no longer being issued in Colorado, Missouri, and Utah. Existing policies continue unaffected by this change.  The plan administrator hopes that the withdrawal from these states will be temporary and the coverage will be re-introduced under a new product filing with the state insurance department. Meanwhile, other Members Insurance Exchange offerings may be an option:
1)  QHP Supplement Insurance - designed to help offset the out-of-pocket costs associated with Qualified Health Plans
2)  Deductible Supplement Insurance - designed to help offset the out-of-pocket costs associated with high deductible major medical insurance plans
3)  AmeriDoc - access to a board-certified doctor by phone, webcam, or email, 24 hours a day, 365 days a year.  The unlimited plan for an individual or an entire family is a flat $19.95 per month.

January 9, 2014 - The U.S. Department of Labor issues a statement in the form of FAQs recognizing the increase in popularity of limited indemnity insurance like Core Health Insurance and stated it plans to issue regulations to further expand the use of this type of coverage in the individual insurance market. The DOL writes "

January 3, 2014 - This Web site was updated to reflect that Tony Novak is no longer a member of the Better Business Bureau. The change stems from disagreements related to the launch of the Affordable Care Act exchanges and navigator programs in the fall of 2013. More information on the bizarre series of miscommunications is posted at www.tonynovak.com.

November 24, 2012 - Core Health Insurance is now available for the members of the National Association of the Remodeling Industry with no application fee and specific additional benefits. Local NARI associations may be compensated for marketing efforts by endorsing and advertising the program o its members. Local association participation is not required for a NARI member to receive the additional benefits.  A Web page for the Bucks / Mont NARI chapter was published today but is expected to be modified when the association adopts an agreement with us for endorsement and marketing.

June 26, 2012 - Core Health Insurance plan for the members of the American Correctional Association launches July 1, 2012 as an non-sponsored association benefit plan. This means that the plan is not endorsed by the ACA at this time and the ACA is not involved in the marketing of the plan.  The association management may consider sponsorship at a later date but there is no need for ACA members to wait to enroll in this plan.

June 8. 2012 - AUIC Core Health Insurance announced that there will be no increase in premium rates for 2012 but some maximum benefit limits will be reduced. Additionally, new enrollments will be temporarily suspended in Georgia, Michigan, and North Dakota while policy filing changes are sought with the insurance department regulators in these states. An enhancement of the Preferred Provider Network was announced; this will be introduced later in 2012. Read the full announcement.


OTHER NEW COVERAGE OPTIONS:: Obamacare supplement insurance, and high deductible insurance and a telemedicine plan also administered by SASID are available to help lower the high out-of-pocket expense of Affordable Care Act policies. Read more information, get rates and enroll online.

Core Health Insurance ID cardLearn how Core Health Insurance can work for you...

Get a quote and enroll online in minutes!

get a quote now
This is limited benefit medical insurance that does not cover all medical costs.
Available in Alabama, Arizona, Arkansas, California, Delaware, District of Columbia, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, New Mexico, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin and Wyoming.

Details of coverage may vary by state.

Multiplan limited benefit network
Preferred provider network (PPO) medical service providers are listed at Multiplan Limited Benefit Plan Network.

Contact the Core Health Insurance administrator's office directly for all verification, billing and claim questions at (800) 279-2290. If no answer, leave a detailed call-back message.

NEW! Core Dental Insurance is now available with medical insurance or as a stand-alone coverage. Either way, we think you will agree this is the best dental insurance available to individuals and families.

Have a question about eligibility or enrollment for any health insurance plan? E-mail OnlineNavigator for a fast response.

Members are now eligible for expanded personal support with Obamacare issues. More information at www.FreedomBenefits.net

Association of United Internet Consumers
rated A "Excellent" by A.M. Best Company

CORE HEALTH INSURANCE IS A SUPPLEMENTAL INSURANCE AND IS NOT A REPLACEMENT FOR OBAMACARE. This insurance is not intended to help members or their employers comply with the provisions of the Affordable Care Act commonly known as the "individual mandate" and does not offer the provisions known as "minimum essential coverage" and will not satisfy the individual responsibility requirements of section 5000A of the Code. Questions about compliance with the Affordable Care Act may be directed to the free consumer assistance program at www.OnlineNavigator.org. Members of the Association of United Internet Consumers (AUIC) have access to this insurance, online discount programs including discount prescription drugs, and educational materials. As a member of AUIC, you are eligible for exclusive rates and plans. AUIC membership is available at time of insurance enrollment.

This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator" at P.O. Box 333, Newport NJ 08345.Telephone (800) 609-0683, Email tnovak@freedombenefits.net. DO NOT USE THIS TO COMMUNICATE WITH CORE HEALTH INSURANCE. Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed. "Core Health Insurance" is a brand owned by SASid, not related to the operator of this web site but marketed under a producer license agreement.