We're proud to be rated "A-" (Excellent) by A.M. Best. A.M. Best is an independent rating Company that evaluates and rates insurance companies annually. The rating refers only to the overall financial status of the Company and is not a recommendation of the specific provisions, rates or practices of the Company.
This is the 4th highest of 16 ratings. Visit www.ambest.com for more information.
What is my effective date? / Has my coverage been approved?
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For answers to these types of questions, please give us a call at 1-800-527-5504 or submit a request through this web site from the Contact Us page. You may also login to the customer web site to check this information by clicking here.
Who do I contact if I have a question about my prescription drug benefits?
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Please contact Caremark® at www.caremark.com or by calling 1-877-348-0578.
How do I get information about my insurance?
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Please call us by calling 1-800-527-5504 or submit a request through this web site from the Contact Us page.
How do I get information about my Association membership?
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MEGA and the Associations are independent companies that have entered into a business relationship. We do not share management or facilities. Please contact your Association directly. Click here for Association contact information.
How do I order a copy of my coverage or ID Cards?
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Please call us at 1-800-527-5504 or submit a request through this web site from the Contact Us page. Please have/include your Health ID number. You may also order a copy directly through this Customer Website once you have registered and logged in.
Application Process - Frequently Asked Questions
Once the company receives my application, how long will it be before I receive notification of coverage?
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You should be contacted by us within 14 days to confirm receipt of your application.
Please allow 3-6 weeks after we receive your application for processing. If you have any questions during the approval process, please call us at 1-800-527-5504.
What if I forgot to include information, medical conditions or a new condition develops after my application has been submitted?
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You are required to notify us of all medical conditions on your application. However, if you forget or a new one develops, you may call our Underwriting Department at 1-888-336-2893 to advise us of the information.
How soon after my coverage is issued will I receive my Fulfillment Packet?
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It takes typically 7 to 10 business days via regular mail delivery. Once received, you should review all the contents and the Certificate of Insurance. If any discrepancy is noted, please call our Underwriting Department at 1-888-336-2893 as soon as possible.
The Medical Information Bureau (MIB) provides a confidential interchange of underwriting information among its members, health, life and disability insurance companies. This exchange enables MIB members to protect the interests of consumers as well as the interest of the insurers.
Underwriting determines the insurability of an individual or a group utilizing specific personal and medical information.
Are the underwriting guidelines the same for all states?
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No. Every state has certain guidelines that we must follow. Some states will allow us to exclude a person or group, rate-up a person or group, or decline a person or group. Certain states only allow us to accept or reject with rate-ups and others are just accept or reject. Finally, there are states that we cannot decline or issue with exclusions or rate-ups.
Premiums and Rates - Frequently Asked Questions
I'm changing my bank account. What do I do?
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A new payment authorization form must be filed with us that includes both your current banking information and your new banking information. Go to the Login Section (Register, if you are a first time user) and log in using your Health ID number. Click on Customer Forms and print out the Bank Draft Authorization form. Complete the form and mail it to the address indicated on the form.
Please call us at 1-800-527-5504 or Request a Quote on this web site.
Can someone other than myself send in payment for my coverage?
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Yes, in most cases. A signed statement declaring the relationship of the payor to the applicant must be submitted. This may vary by state.
Can I pay my premium from a savings account?
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Yes, if a verification of the banking information is received by us.
Will you accept my monthly premium by mail instead of a bank draft?
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Unfortunately, we are unable to process direct payments made on a monthly basis (except in Maine). In an effort to keep administration costs down, we will only accept monthly payments via bank draft. We are happy to accept quarterly, semi-annual, or annual payments directly by mail. We apologize for any inconvenience this may cause you.
Who must sign the bank draft authorization form?
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The person signing the bank draft authorization form must be authorized to sign on the account being drafted.
Claim status can be obtained 24 hours a day, seven days a week by calling 1-800-527-2845 or logging into the customer web site and selecting the 'My Claims' option. If you are already logged in or need to log in, please click here.
Please note that second opinions, pre-certifications or referrals are not required although in some cases your out-of-pocket expenses may be higher if you utilize an out-of-network provider. Pre-Notification is requested in order for us to help manage the Insured Person's Benefits in certain instances. If you would like assistance managing health care benefits, please call 1-800-527-2845 for additional information. Please note that for certain plans we have negotiated special provider arrangements which may allow you to reduce your out-of-pocket expenses if you use network providers. These arrangements may not be available in all areas or for all plans
Health care providers can log into the provider web site by clicking here or by calling 1-888-757-0703. We do not verify benefits. Eligibility for benefits is determined at the time the claim is adjudicated.
I need information regarding my network PPO provider. What do I do?
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Your network's web site should be noted on your ID card. Please visit the network web site to find information on participating providers. You should always verify current status with the provider before seeking treatment.
