proud to introduce a new insurance program for its members.
We realize that health insurance for small businesses and self-employed
individuals can present challenges, both in terms of accessibility
and affordability. Our new program includes:
- Large selection of health insurance plans and companies
- Dental, Life Insurance, Disability, Cancer, Accident, Critical
Illness and Vision
- Consumer information about the various types of health plans
(PPO’s, HSA’s, HMO’s, etc), including the pros
and cons of each type of plan
- For those of you with employees, our program provides guidance
on employer-sponsored health care plans, including contribution
rules, participation requirements, COBRA, HIPAA and more
- Information to help you understand and manage specific medical
conditions and health issues
- Valuable information on wellness, prevention and disease management
- Resources for the uninsured and those with uninsurable medical
WorldWide Insurance Services, Inc., a national, independent broker,
in business since 1989, and representing more than fifty insurance
companies, administers our program.
Following are frequently asked questions and answers about our
health insurance program:
Q. Why can’t ALOA offer a single group health insurance
plan for all its members?
A. Unfortunately, most associations, including ALOA, are
not able to offer true group coverage for their members due to legal
restrictions. Although federal legislation allowing association
group plans has been proposed in Congress many times, it has never
made it through the legislative process for approval. Until such
a law passes we must work within the state controlled regulatory
framework that governs personal and small business health insurance.
Each state is responsible for regulating its own insurance markets,
and the result is that plan availability, rates and underwriting
rules vary greatly from state to state. Therefore, our health insurance
program also varies in availability, rates and underwriting from
state to state.
Q. Which insurance companies are offered in the program?
A. The state in which you live determines the
insurance companies that are available. Your proposals will include
quotes from several of the best companies available in your area.
Major insurance companies included in the program are Aetna, Assurant
Health, BlueCross BlueShield, Golden Rule (a UnitedHealthcare company),
Humana, John Alden, Time Insurance, UnitedHealthcare and other regional
Q. Which types of insurance plans are available?
A. In the majority of states we offer PPO, POS, HMO, HSA and traditional
major medical plans. Also included are temporary health insurance
plans for those with gaps in coverage. WorldWide’s representatives
can provide detailed explanations of the features, benefits, limitations
and exclusions of each type of plan in the program.
Q. Are your rates lower than the rates that I would pay
if I went directly to these insurance companies?
A. As we mentioned, health insurance is regulated
by each of the states. This regulation includes oversight on rates,
which must be filed by the insurance companies with the state, prior
to the sale of any policies. Currently the states do not allow discounting
of rates. Our program more closely resembles a shopping service
for our members, in some cases offering as many as 500 different
plan designs to our members. However, unlike health insurance rates,
our dental, vision, accident and cancer plans provide discounts
for our members, their families and employees and are available
in nearly all areas.
Q. Is acceptance guaranteed?
A. For individual members, or members who are
insuring themselves or their families (not their employees), coverage
on most plans is not guaranteed. Inthe majority of states, members
will be required to complete medical questionnaires in order to
determine whether they qualify for coverage. For those members insuring
themselves plus 1 to 49 other employees, coverage is guaranteed
under federal law.
For those individuals with medical conditions that are uninsurable,
WorldWide’s representatives will provide information and contacts
for our guaranteed acceptance CoreHealth
Insurance plans and the state, and Federal risk sharing pool
Q. What about pre-existing conditions? Are they covered?
A. The answer to this question varies greatly and depends on several
factors, including the severity of the condition, prior coverage,
which type of plan is being applied for, and the state in which
you reside. WorldWide’s licensed representatives are trained
to take a detailed medical history before releasing quotes for which
you may or may not qualify. They also have direct access to underwriters
so that they can determine if you qualify, even before completing
an application for coverage.
Q. With all the plans to choose, how can I tell which plan
is right for me?
A. WorldWide’s representatives will work with you to learn
about your medical situation, frequency of doctor visits, your medications,
and preferred doctors and hospitals. They will identify plans that
meet your objectives that are also within a budget that you can
Q. Must I purchase my plan through the program or can I
use my own broker or buy direct?
A. The choice is yours. You can make your purchase
through WorldWide, or through your local broker, or, in some cases
directly from the insurance company. Regardless of whom you purchase
your plan from, WorldWide provides its information free of charge
and you will pay the same amount for your coverage regardless of
who it is purchased through.
Q. How much does the shopping service cost?
A. There is no charge for this service.