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

Core Health Insurance for members of the American Correctional Association

This plan is not sponsored or endorsed by the AMERICAN CORRECTIONAL ASSOCIATION but the  initial enrollment fee is waived for ACA members enrolling online and ACA members receive free priority OnlineNavigator support.

Top user questions:

What is Core Health Insurance?

Core Health Insurance is a limited benefit medical insurance plan that is popular with people who cannot access or cannot afford other types of health insurance. It may be used in combination with other insurance and 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. Read more and get a personalized proposal.

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.

How am I identified as a member of the American Correctional Association?

At this time there is no way to verify that individual using this Web page for enrollment is an active member of the American Correctional Association. There is no current marketing agreement, endorsement or coordination of benefits between the Core Health Insurance Plan for members of the American Correctional Association and the management of the Association.

Association membership is presumed and based on you use of this enrollment Web page. You may be asked to verify your membership in the future when requesting additional benefits from us or in the event that the management of the American Correctional Association becomes active in the sponsorship of this plan. 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. (Other Web sites and telephone enrollment services do charge an enrollment fee). Read more and get a personalized proposal.

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.


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. Individual ACA member who enroll online are eligible for a waiver of the $50 enrollment fee. 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.

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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.