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American Medical Security Health Insurance
Old 06-01-2006, 05:30 PM   #1
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American Medical Security Health Insurance

Anyone know anything about this health insurance company? They offer individual policies. It has excellent AM Best ratings.
How does one pick a health insurance company?
What happens if a health insurance company declares bankruptcy?

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Re: American Medical Security Health Insurance
Old 06-01-2006, 07:48 PM   #2
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Re: American Medical Security Health Insurance

We've used AMS ever since I RE'd (around 3 years now). We first used them via a regular policy now we have converted to HSA with them and HSA Bank.

Due to DW's recent MRI we've met out deductible and they are fairly quick with paybacks, i.e. we pay for a prescription and they cut us a check for their half. You do have to call in to have them preaprove procedures but is no big deal.

No problems so far.
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