Nationwide Unveils State-of-the-Art, Green Building in San Antonio |
Company announces upcoming job fair; grants to four local charities |
| SAN ANTONIO, Sept. 27, 2012 /PRNewswire-HISPANIC PR
WIRE/ -- Nationwide Insurance today unveiled a new state-of-the-art, green
building in Westover Hills during a ribbon-cutting ceremony with Speaker of the
Texas House of Representatives Joe Straus, Councilman Ray Lopez and City Manager
Sheryl Sculley. The facility is home to nearly 1,500 Nationwide associates
today, and will be able to house 2,000 total employees, for which the company is
currently hiring. "I am excited to see the Nationwide Campus project come to fruition after attending the groundbreaking ceremony last year. This state of the art campus is a great addition to our community, both environmentally, as a LEED Certified building, and economically, retaining existing jobs and adding even more jobs to the area," said Mayor Julian Castro. The company also announced grants from the Nationwide Insurance Foundation totaling $92,500 to four local charities, including San Antonio Foodbank, San Antonio Chapter of the American Red Cross, Hispanic Religious Partnership for Community Health and SAMMinistries. The 280,000 square foot San Antonio campus, located near the intersection of Hyatt Resort Drive and SR 151, features: -- Industry leading safety standards. The San Antonio campus is the first commercial building in the country to qualify as FORTIFIED™ by the Institute of Business & Home Safety, meaning it exceeds code to withstand natural hazards such as hurricanes, wildfires, and windstorms. -- Industry leading "green" standards. The U.S. Green Building Council certifies the building for Leadership in Energy & Environmental Design (LEED ™). This classification covers water and electricity usage, waste management, tree preservation, the use of natural light and ergonomic design of interior spaces. -- A high tech cafe, which provides a variety of fast and casual restaurant options. Associates can also order food from their smartphone or touch screen to avoid waiting in line. A status screen alerts them when their food is ready. -- Onsite health services, fitness center, outdoor sports court and landscaped courtyards with walking paths. -- Flexible sit to stand workstations. The company continues to hire new employees. The new facility will host a "Come Get to Know Us" Job Fair from 10 a.m. to 3 p.m. on Oct. 3 to recruit employees for a variety of positions, including customer service representatives and agents. Nationwide is also recruiting bilingual associates to enhance its ability to provide service for its growing Spanish-speaking customer base. Qualified job applicants should visit the careers page of nationwide.com for more information. About the Nationwide Insurance Foundation The Nationwide Insurance Foundation is an independent corporation funded by contributions from Nationwide companies including Nationwide Insurance and Nationwide Financial. Founded in 1959, the Nationwide Insurance Foundation has committed more than $290 million since 2000 to help nonprofit organizations in communities where Nationwide associates and their families live and work. Just as Nationwide supports its customers in their moment of need, the company's involvement in its home communities is focused on supporting organizations that help people facing critical or immediate need. About Nationwide Nationwide, based in Columbus, Ohio, is one of the largest and strongest diversified insurance and financial services organizations in the U.S. and is rated A+ by A.M. Best. The company provides a full range of personalized insurance and financial services, including car insurance, motorcycle, boat, homeowners, life insurance, farm, commercial insurance, administrative services, annuities, mortgages, mutual funds, pensions, long-term savings plans and health and productivity services. For more information, visit http://www.nationwide.com. Nationwide, the Nationwide Framemark and On Your Side are service marks of Nationwide Mutual Insurance Company. SOURCE Nationwide www.nationwide.com/joshlewis www.austinhealthbrokers.com |
Thursday, September 27, 2012
Nationwide Insurance Austin
Workers Comp / Texas Mutual
Texas Mutual pays $4M in group dividends
Texas Mutual recently paid a combined $4,221,866 in dividends to eight safety groups. The dividends were based largely on each group's overall loss ratio:
Texas Construction Association - $1,607,267
Texas Medical Group - $1,075,625
Texas Oil and Gas Association - $449,556
Texas Apartment Association - $355,921
CompGroup AGC - $254,054
Hospitals of Texas - $244,424
Lone Star Auto Dealers - $169,634
Texas Sign Association - $65,385
Texas Mutual underwrites safety groups representing a range of industries, including restaurants, manufacturing and wholesale/retail. Any licensed Texas agent can submit qualifying clients for consideration in safety groups. For more information, visit texasmutual.com/agents/group.shtm.
Group dividends are in addition to the $150 million in individual policyholder dividends Texas Mutual is distributing in 2012.
By the end of the year, Texas Mutual will have paid $1.2 billion in dividends. The majority of that total - more than $1 billion - will have been paid since 2005.
For more information about dividends, visit texasmutual.com/OwnershipPays.
(L-R) Todd Hewitt of Texas Fifth Wall Roofing, Mackie Bounds of Brazos Masonry and Jerry Wright of AAA Glass accept a $1.6M dividend check on behalf of the Texas Construction Association safety group.
$150M in 2012
In late July, Texas Mutual began distributing $150 million in dividends among approximately 41,000 qualifying policyholder owners.
$1.2B investment in Texas
By the end of 2012, Texas Mutual will have paid $1.2 billion in dividends. The majority of that total – more than $1 billion – will have been paid since 2005.
How are Texas Mutual dividends different?
When publicly owned corporations pay dividends, they distribute a portion of company earnings to their stockholders. All stockholders receive a dividend based on the number of shares they own at that time. When Texas Mutual Insurance Company pays dividends, we reward specific policyholder owners based on customer loyalty and claim loss history.
More information about dividends
What is a dividend?
A dividend is a monetary reward for policyholders who share our commitment to preventing workplace accidents and helping injured workers return to productive employment. Texas Mutual has two dividend programs: individual dividends and group dividends.
How can employers improve their chances of qualifying for a dividend?
Employers can improve their chances of qualifying for dividends by preventing accidents and launching a return-to-work program.
Are dividends taxable?
They could be, depending on the employer's situation. Employers should consult their tax professional.
Are dividends guaranteed?
No. Dividends are based on performance and are not guaranteed. The Texas Department of Insurance must approve all dividend plans.
Can I access my company's dividend history?
Registered Texas Mutual® online users can review their dividend history on our website. To become a registered website user, click here, and complete the online application.
Key term: loss ratio. An estimate of expected payments for reported and unreported claims, expressed as a ratio to earned premiums.
Individual dividends: beyond the basics
The individual dividend plan includes a general dividend, a special dividend and an early-qualifier dividend. General dividend
The general dividend includes an annual component and a retention component:
Special dividend
The special dividend is a discretionary award based on Texas Mutual's outstanding financial results in 2011.
Early qualifier dividend
The early qualifier dividend is our response to agents who asked us to shorten the dividend cycle for new policyholders. We plan to distribute early-qualifier dividends in November. We will send agents more details, including a list of their qualifying clients, in advance. To qualify:
Group dividends
Policyholders who join a safety group can participate in our group dividend program, as well as our individual dividend program. Group dividends are based largely on each group's overall loss ratio.
Marketing dividends
Agents across Texas leverage our dividend programs to attract and retain customers. To help you market dividends, we created a promotional flyer, as well as a dividend calculation tool that shows employers how dividends benefit them.
NOTE: Past dividends are not a guarantee of future dividends, and the Texas Department of Insurance must approve all dividend plans.
Texas Mutual recently paid a combined $4,221,866 in dividends to eight safety groups. The dividends were based largely on each group's overall loss ratio:
Texas Construction Association - $1,607,267
Texas Medical Group - $1,075,625
Texas Oil and Gas Association - $449,556
Texas Apartment Association - $355,921
CompGroup AGC - $254,054
Hospitals of Texas - $244,424
Lone Star Auto Dealers - $169,634
Texas Sign Association - $65,385
Texas Mutual underwrites safety groups representing a range of industries, including restaurants, manufacturing and wholesale/retail. Any licensed Texas agent can submit qualifying clients for consideration in safety groups. For more information, visit texasmutual.com/agents/group.shtm.
Group dividends are in addition to the $150 million in individual policyholder dividends Texas Mutual is distributing in 2012.
By the end of the year, Texas Mutual will have paid $1.2 billion in dividends. The majority of that total - more than $1 billion - will have been paid since 2005.
For more information about dividends, visit texasmutual.com/OwnershipPays.
(L-R) Todd Hewitt of Texas Fifth Wall Roofing, Mackie Bounds of Brazos Masonry and Jerry Wright of AAA Glass accept a $1.6M dividend check on behalf of the Texas Construction Association safety group.
Your Ownership Pays
Texas Mutual Insurance Company is not publicly traded, and we do not answer to stockholders. Our policyholders own the company. Dividends help us share the company’s financial success with qualifying policyholder owners.$150M in 2012
In late July, Texas Mutual began distributing $150 million in dividends among approximately 41,000 qualifying policyholder owners.
$1.2B investment in Texas
By the end of 2012, Texas Mutual will have paid $1.2 billion in dividends. The majority of that total – more than $1 billion – will have been paid since 2005.
How are Texas Mutual dividends different?
When publicly owned corporations pay dividends, they distribute a portion of company earnings to their stockholders. All stockholders receive a dividend based on the number of shares they own at that time. When Texas Mutual Insurance Company pays dividends, we reward specific policyholder owners based on customer loyalty and claim loss history.
More information about dividends
What is a dividend?
A dividend is a monetary reward for policyholders who share our commitment to preventing workplace accidents and helping injured workers return to productive employment. Texas Mutual has two dividend programs: individual dividends and group dividends.
How can employers improve their chances of qualifying for a dividend?
Employers can improve their chances of qualifying for dividends by preventing accidents and launching a return-to-work program.
Are dividends taxable?
They could be, depending on the employer's situation. Employers should consult their tax professional.
Are dividends guaranteed?
No. Dividends are based on performance and are not guaranteed. The Texas Department of Insurance must approve all dividend plans.
Can I access my company's dividend history?
Registered Texas Mutual® online users can review their dividend history on our website. To become a registered website user, click here, and complete the online application.
Key term: loss ratio. An estimate of expected payments for reported and unreported claims, expressed as a ratio to earned premiums.
Individual dividends: beyond the basics
The individual dividend plan includes a general dividend, a special dividend and an early-qualifier dividend. General dividend
The general dividend includes an annual component and a retention component:
- Annual component. The annual component rewards current policyholders who had acceptable loss ratios for the policy that expired in 2011.
- Retention component. The retention component rewards current policyholders for up to five consecutive years of acceptable loss ratios with us, ending with the policy that expired in 2011. Longtime policyholders may have received increasing individual dividends because of the retention component.
Special dividend
The special dividend is a discretionary award based on Texas Mutual's outstanding financial results in 2011.
Early qualifier dividend
The early qualifier dividend is our response to agents who asked us to shorten the dividend cycle for new policyholders. We plan to distribute early-qualifier dividends in November. We will send agents more details, including a list of their qualifying clients, in advance. To qualify:
- The employer must have a policy that expired between January 1, 2012 and June 30, 2012.
- The policyholder must have an in-force policy on September 30, 2012.
- The loss ratio on the policy must be in the acceptable range.
Group dividends
Policyholders who join a safety group can participate in our group dividend program, as well as our individual dividend program. Group dividends are based largely on each group's overall loss ratio.
Marketing dividends
Agents across Texas leverage our dividend programs to attract and retain customers. To help you market dividends, we created a promotional flyer, as well as a dividend calculation tool that shows employers how dividends benefit them.
NOTE: Past dividends are not a guarantee of future dividends, and the Texas Department of Insurance must approve all dividend plans.
Commercial Insurance
Get a Business Owners Policy to Protect Your Small Business
Business owners insurance from Nationwide offers complete coverage for medium to small businesses – typically those with fewer than 100 employees and less than $5 million in sales. A business owners policy, also known as BOP insurance, combines several types of insurance coverage together so you can buy a package of protection at a competitive price. With convenience and customizable coverage options, find the insurance for your small business that’s right for you.
With a business owners policy, your small business can get property insurance, liability insurance, crime coverage and additional protection, built into one convenient package. Our insurance for small business owners works to protect you from:
As a Nationwide customer, you are entitled to 24/7 claims service, superior customer support, free loss control information and the financial stability that comes with an A+ rating from A.M. Best.
Contact a local Nationwide Insurance agent to see what type of business owners policy is right for your small business today.
Business Liability Insurance
General liability insurance is something you cannot do without. As someone who runs a business, you are familiar with the day-to-day uncertainties of small business management. Isn’t it nice to know that you and your business can depend on premium business liability insurance from Nationwide?
Nationwide understands you need complete business protection not just your “one size fits all” coverage. We cover medical expenses, attorney fees and damages when you are legally responsible and other situations that may not have even crossed your mind, regardless of your planning.
We understand all of the hard work you have spent on your business plan – the number crunching, careful planning and endless hours you’ve invested. And because accidents can – and do – happen, Nationwide’s general liability insurance can protect you and your business. For example,
We offer coverage for:
Find out how you can supplement your commercial liability insurance with our free risk assessment tool.
Commercial Crime Insurance Protects Your Company from Fraud, Theft, Forgery and More
Business fidelity insurance is designed to protect your company from many types of crime. Because crime is a common worry for businesses, Nationwide offers business protection to cover your company when employees decide they are entitled to the company’s inventory or a thief robs you of your cash. Working through such losses takes time and money – resources that would be better spent running your business.
Business crime insurance coverage from Nationwide offers business protection and more. We offer coverage for:
Then take the next step – contact a local Nationwide agent for a free commercial crime insurance quote for the business coverage you need.
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free loss control information and the financial stability that comes with an A+ rating from A.M. Best.
Commercial Auto Insurance
Business auto insurance allows you to move your business forward. Whether you use vehicles to provide mobility for your employees, equipment or products, you cannot operate without comprehensive commercial auto insurance. Nationwide understands that road conditions, weather and other drivers are out of your control. For example:
Plus, if you work with a Blue Ribbon Claim Services facility to fix your vehicles, we guarantee your repairs for as long as you own or lease them.
And don’t miss our free risk management tips. Taking time now to prevent accidents and injuries is a great way to save you time and money later.
Commercial Property Insurance
Nationwide’s business property insurance protects your business, from a minor hiccup to a major financial loss. Whether you own your building, lease your workspace or work at home, we will protect your business’ physical assets. When business property damage strikes, Nationwide is the commercial property insurance company to turn to for superior coverage:
Find out how you can supplement your business liability protection with our free risk assessment tool.
Protect Your Goods in Transit With Inland Marine Insurance
Don’t let the fact that Inland Marine Insurance has an odd name stop you from considering it as part of a comprehensive business insurance plan. Originally created to cover the transportation of goods over water, it has expanded over the years to cover goods in transit on land as well, including:
Or perhaps you are in the construction trade or are building an addition to your office. Inland Marine Insurance can protect the building materials—and a contractor’s tools and equipment.
If you clean, repair, service or perform work on property of others, Inland Marine Insurance can work for you. It can cover losses to goods that occur at your premises, while being transported to or from your premises or in storage.
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free Loss Control information and the financial stability that comes with an A+ rating from A.M. Best.
Commercial Umbrella Insurance – Because Accidents Happen
Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all expenses. Standard business liability coverage will take care of you in most situations, but when serious situations arise, umbrella liability insurance will help ensure that your business is protected. While no one wants accidents to happen, they do - and people sue. Here are a few possibilities:
For example, if your current policy covers you for $1 million and you are successfully sued for $1.5 million, your business umbrella coverage can pay the outstanding $500,000—which is a lot less painful than having it come out of your business profits.
Contact a local Nationwide Insurance agent for a free business umbrella quote customized to suit your business needs.
And be sure to check out our online safety training courses where you can find information to help keep your company and your employees safe.
Workers Compensation Insurance Takes Care of Your Employees
Workers compensation insurance protects the key players on your team – your employees. You count on them for the service, knowledge and expertise needed to move your business to the next milestone and Nationwide is here to make sure that doesn’t change. They count on you to be a great employer and to take care of them with workers compensation coverage if the unexpected happens. For example:
And don’t miss our online safety training courses specific to your industry to help you more effectively manage safety in the workplace.
*Products or coverage not available to all persons in all states. Contact a local Nationwide Insurance agent for more information.
Equipment Breakdown Insurance – Equipment Failure Doesn’t Have to Mean Business Failure
Business equipment insurance is as important to your business operations as the equipment itself. In an age of technology – telephones, computers and electrical systems – your company is dependent on a variety of machines to communicate with customers and to create, store and sell your products. Nationwide understands that damaged equipment can mean lost income, so we offer broad insurance for equipment breakdowns to keep business running smoothly. For example:
Business Interruption Insurance – Because Time Is Money
Business interruption insurance keeps your business from closing its doors due to unexpected events. If you’re closed for business, you still have to pay the bills – employees, rent or mortgage, suppliers, taxes and yourself. A force outside your control may interrupt your business continuity strategy and cause you to close your doors for a time, including:
Contact a local Nationwide Insurance agent today for a free business interruption insurance quote customized to suit your needs.
And be sure to download our free disaster planning toolkit (PDF) so you can better prepare your business for an emergency.
* Products and coverage not available to all customers in all states.
Surety Bonds
Different than insurance, a surety bond is designed to guarantee a principal’s integrity and honesty, performance and financial responsibility, and compliance with a law or contract.
Find out more about our contract bonds today!
Find out more about our commercial bonds today!
Find out more about our court bonds today!
Find out more about our fidelity bonds today!
Business Travel Insurance
Business travel insurance is as necessary to your business operations as avoiding flight delays or traffic jams. Whether it's a quick trip to the store, a jaunt across town for a business meeting or several days out of town for a conference, you’re always on the go. Nationwide offers business travel insurance that will ensure that you and your employees are protected wherever your travels take you.
No matter how, why or where you travel, Nationwide's business travel insurance can help protect you and your employees against the unexpected occurrences that can interrupt your travels. Accidents, illnesses and injuries, can derail even the best laid plans. Learn more about the travel insurance that is right for your business needs and get a business travel insurance quote today!
Travel accident insurance provides AD&D coverage for you or your employees no matter how you travel.
Product benefits and features vary.
Group Accident Medical Insurance
GrouProtectorSM group accident medical insurance allows your business or organization to hold an event and have the peace of mind that everyone involved will be covered in the case of an accidental injury.
Nationwide offers a wide variety of plan options for community programs, organizations and amateur sports teams.
For more information about our products or to submit your policy application through the mail, download or print a brochure.
Product features and benefits vary.
Business owners insurance from Nationwide offers complete coverage for medium to small businesses – typically those with fewer than 100 employees and less than $5 million in sales. A business owners policy, also known as BOP insurance, combines several types of insurance coverage together so you can buy a package of protection at a competitive price. With convenience and customizable coverage options, find the insurance for your small business that’s right for you.
With a business owners policy, your small business can get property insurance, liability insurance, crime coverage and additional protection, built into one convenient package. Our insurance for small business owners works to protect you from:
- Property claims
- Equipment breakdown
- Income loss
- Professional liability claims
- Products and completed operations claims
- Fire legal liability claims
- Premises liability claims
Find business owners insurance that is right for your workplace
Business owners policy can be a good solution for businesses like:- Auto repair and lube shops
- Delis and coffee shops
- Motels and hotels
- Medical, dental and veterinarian offices
- Service shops, such as dry cleaners and funeral homes
- Retail florists and clothing stores
- Wholesale barber and beauty suppliers
- Strip shopping centers
Small business owners insurance with superior service
Our agents plan to work with you long term. We understand that your small business owners insurance needs will change over time, so we have regular insurance checkups, known as Nationwide On Your Side® Reviews to make sure your business has the best protection possible.As a Nationwide customer, you are entitled to 24/7 claims service, superior customer support, free loss control information and the financial stability that comes with an A+ rating from A.M. Best.
Contact a local Nationwide Insurance agent to see what type of business owners policy is right for your small business today.
Business Liability Insurance
General liability insurance is something you cannot do without. As someone who runs a business, you are familiar with the day-to-day uncertainties of small business management. Isn’t it nice to know that you and your business can depend on premium business liability insurance from Nationwide?
Nationwide understands you need complete business protection not just your “one size fits all” coverage. We cover medical expenses, attorney fees and damages when you are legally responsible and other situations that may not have even crossed your mind, regardless of your planning.
We understand all of the hard work you have spent on your business plan – the number crunching, careful planning and endless hours you’ve invested. And because accidents can – and do – happen, Nationwide’s general liability insurance can protect you and your business. For example,
Did you know?
Any individual or business providing an opinion, making recommendations, designing solutions or offering a service is at risk for a professional liability lawsuit?
Nationwide can help with defense costs, regardless of fault. And we offer protection for judgments, court costs and more
Get the small business liability coverage you need
Your insurance needs are unique to your business. Based on the commercial liability insurance requirements for your company, we can work with you to determine the right type of general business liability insurance coverage for every stage of your business.We offer coverage for:
- Professional liability insurance
- Products and completed operations
- Fire legal liability
- Medical payments
- Premises liability
- Employer’s liability insurance, employee benefits liability and employment-related practices liability
Find out more about Nationwide’s superior business liability insurance
As a Nationwide customer, you are entitled to 24/7 claims service, superior customer service, free loss control information and the financial stability that comes with an A+ rating from A.M. Best. Contact a local Nationwide Insurance agent today for a free business liability quote customized to suit your business needs.Find out how you can supplement your commercial liability insurance with our free risk assessment tool.
Commercial Crime Insurance Protects Your Company from Fraud, Theft, Forgery and More
Business fidelity insurance is designed to protect your company from many types of crime. Because crime is a common worry for businesses, Nationwide offers business protection to cover your company when employees decide they are entitled to the company’s inventory or a thief robs you of your cash. Working through such losses takes time and money – resources that would be better spent running your business.
Business crime insurance coverage from Nationwide offers business protection and more. We offer coverage for:
- Employee dishonesty
- Forgery or alteration
- Theft of money and securities
- Burglary or robbery
- Computer fraud
Commercial theft insurance covers your cash
Did you know your business property coverage may not reimburse you for cash and checks in a building if a fire or other disaster destroys them? By choosing a commercial crime insurance policy from Nationwide, you can get cash register insurance to protect your cash. Business crime protection is just one more area where Nationwide has you covered.Find superior service with Nationwide Insurance®
Not only does Nationwide Insurance offer business theft insurance solutions tailored to your needs, but we also offer helpful advice to assist in the prevention of crimes against your company. Read through our free crime prevention tips (PDF) to find everyday solutions to keep your business from becoming a target.Then take the next step – contact a local Nationwide agent for a free commercial crime insurance quote for the business coverage you need.
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free loss control information and the financial stability that comes with an A+ rating from A.M. Best.
Commercial Auto Insurance
Business auto insurance allows you to move your business forward. Whether you use vehicles to provide mobility for your employees, equipment or products, you cannot operate without comprehensive commercial auto insurance. Nationwide understands that road conditions, weather and other drivers are out of your control. For example:
- A sudden traffic shift causes you to lose control of your vehicle
- Hail or vandalism damages your car
- An uninsured driver hits your vehicle
Get commercial vehicle insurance coverage that fits your business
That’s why it’s important to have business auto insurance to protect the vehicles you use for your business. Contact an agent today and get a free customizable commercial car insurance quote that can include:- Auto liability
- Medical payments
- Comprehensive coverage
- Collision coverage
- Uninsured and underinsured motorists coverage
- Coverage for autos you borrow or rent
- Coverage for employees using their cars for the business
Nationwide’s On Your Side® Claims Service takes care of your business
If you do have an accident, you can count on our team of business auto insurance professionals to gather all the facts, assess the damage and settle the claim quickly and fairly. Just call our dedicated Nationwide On Your Side Claims Service representatives at 1-800-421-3535 anytime, and we’ll help get things back on track.Plus, if you work with a Blue Ribbon Claim Services facility to fix your vehicles, we guarantee your repairs for as long as you own or lease them.
Find superior service with Nationwide commercial auto insurance
As a Nationwide customer, you are entitled to 24/7 claims service, superior customer service, free loss control information and the financial stability that comes with an A+ rating from A.M. Best. Contact a local Nationwide agent today for a free business car insurance quote customized to suit your business needs.And don’t miss our free risk management tips. Taking time now to prevent accidents and injuries is a great way to save you time and money later.
Commercial Property Insurance
Nationwide’s business property insurance protects your business, from a minor hiccup to a major financial loss. Whether you own your building, lease your workspace or work at home, we will protect your business’ physical assets. When business property damage strikes, Nationwide is the commercial property insurance company to turn to for superior coverage:
- A fire could destroy your building and the contents inside
- A burst water pipe could damage your documents, drawings or other valuable papers
- A storm could damage your outdoor sign
Protect what you work hard for with business property insurance
Small business property insurance is one of the most important investments ensuring the future of your business. Nationwide commercial property insurance even has you covered if you have rental building property to protect:- Your building
- Your outdoor sign
- Your furniture and equipment
- Your inventory
- Your fence and landscaping
- Others’ property
Did you know?
If storm damage destroys your outdoor sign, we can provide coverage for the sign and the debris removal.Find superior service with Nationwide business property insurance
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free loss control service and the financial stability that comes with an A+ rating from A.M. Best. Contact a local Nationwide Insurance agent today for a free business property insurance quote customized to suit your business needs.Find out how you can supplement your business liability protection with our free risk assessment tool.
Protect Your Goods in Transit With Inland Marine Insurance
Don’t let the fact that Inland Marine Insurance has an odd name stop you from considering it as part of a comprehensive business insurance plan. Originally created to cover the transportation of goods over water, it has expanded over the years to cover goods in transit on land as well, including:
- Property being transported
- Buildings under construction
- Computer equipment and data
- Accounts receivable
- Fine artwork
Does your business need Inland Marine Insurance?
Depending on the type of small business you own, this coverage can be essential to protecting business property. Think about the items you place in your car or truck on a daily basis to get your work done or the valuables, including data, you own or are responsible for. Most property policies limit or exclude coverage for these items.Or perhaps you are in the construction trade or are building an addition to your office. Inland Marine Insurance can protect the building materials—and a contractor’s tools and equipment.
If you clean, repair, service or perform work on property of others, Inland Marine Insurance can work for you. It can cover losses to goods that occur at your premises, while being transported to or from your premises or in storage.
Find superior service with Nationwide Insurance®
We know this type of insurance seems a bit tricky. Our agents can work with you to help you understand the benefits of Inland Marine Insurance. Contact a local Nationwide Insurance agent for more information and a free quote.As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free Loss Control information and the financial stability that comes with an A+ rating from A.M. Best.
Commercial Umbrella Insurance – Because Accidents Happen
Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all expenses. Standard business liability coverage will take care of you in most situations, but when serious situations arise, umbrella liability insurance will help ensure that your business is protected. While no one wants accidents to happen, they do - and people sue. Here are a few possibilities:
- Your company holiday party gets out of hand resulting in various injuries and damages
- Your building has a carbon monoxide leak that results in multiple injuries and/or deaths
- Your business fails to render the appropriate professional services
Cover your business with umbrella liability insurance
A business umbrella policy picks up where your business auto liability, general liability or other liability coverage stops. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage.For example, if your current policy covers you for $1 million and you are successfully sued for $1.5 million, your business umbrella coverage can pay the outstanding $500,000—which is a lot less painful than having it come out of your business profits.
Umbrella liability insurance coverage tailored to your business needs
How much commercial umbrella insurance coverage does your business need? A variety of factors goes into determining the answer, including the type of business you own and how much coverage you already have.Contact a local Nationwide Insurance agent for a free business umbrella quote customized to suit your business needs.
Find superior service with Nationwide Insurance®
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, free loss control information, superior customer service and the financial stability that comes with an A+ rating from A.M. Best.And be sure to check out our online safety training courses where you can find information to help keep your company and your employees safe.
Workers Compensation Insurance Takes Care of Your Employees
Workers compensation insurance protects the key players on your team – your employees. You count on them for the service, knowledge and expertise needed to move your business to the next milestone and Nationwide is here to make sure that doesn’t change. They count on you to be a great employer and to take care of them with workers compensation coverage if the unexpected happens. For example:
- An employee is injured in an auto accident while running errands for the company
- An associate develops carpal tunnel syndrome from working on the computer
- An employee gets hurt while restocking the supply room
Get the right workers compensation coverage for your business
Get peace of mind by protecting your employees with Nationwide, your workers compensation insurance company. Our coverage can:- Pay for an injured employee’s medical treatment
- Replace part of lost wages if a job-related injury requires time off work
- Protect your business and assets
Find superior service with Nationwide Insurance®
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free loss control information and the financial stability that comes with an A+ rating from A.M. Best. Contact a local Nationwide agent today for a free workers compensation quote customized to suit your business needs.And don’t miss our online safety training courses specific to your industry to help you more effectively manage safety in the workplace.
*Products or coverage not available to all persons in all states. Contact a local Nationwide Insurance agent for more information.
Equipment Breakdown Insurance – Equipment Failure Doesn’t Have to Mean Business Failure
Business equipment insurance is as important to your business operations as the equipment itself. In an age of technology – telephones, computers and electrical systems – your company is dependent on a variety of machines to communicate with customers and to create, store and sell your products. Nationwide understands that damaged equipment can mean lost income, so we offer broad insurance for equipment breakdowns to keep business running smoothly. For example:
- A power surge could damage your computer network
- Your electrical system could short circuit, causing your business to shut down temporarily
- An employee error might damage your only production machine
Business equipment insurance protects equipment that is vital to your success
Most standard property insurance policies do not provide insurance for equipment breakdown. Equipment breakdown coverage protects against breakdowns caused by power surges, mechanical breakdown, motor burnout, boiler damage and operator error. It can pay for:- The cost to repair or replace the damaged equipment
- Costs associated with the time and labor to repair or replace the equipment
- Business income losses when a covered breakdown causes a partial or total business interruption
- Other expenses incurred to limit the loss or speed the restoration
- The cost to replace the spoiled stock or materials
Find superior service with Nationwide Insurance®
As a Nationwide Insurance customer, you are entitled to 24/7 claims service, superior customer service, free loss control information and the financial stability that comes with an A+ rating from A.M. Best. Contact a local Nationwide agent today for a free equipment breakdown quote customized to suit your business needs.Business Interruption Insurance – Because Time Is Money
Business interruption insurance keeps your business from closing its doors due to unexpected events. If you’re closed for business, you still have to pay the bills – employees, rent or mortgage, suppliers, taxes and yourself. A force outside your control may interrupt your business continuity strategy and cause you to close your doors for a time, including:
- Fire
- Hail
- Wind storm
- Vandalism
- Equipment damage
Business interruption insurance keeps your business running
Business interruption insurance can keep capital flowing through your company in the event of such disruptions. It can help you:- Maintain your business continuity strategy
- Keep your business afloat if a loss forces you to close for a short time
- Pay for lost net income and continuing expenses such as mortgage, advertising, taxes and salaries
- Pay your relocation and advertising fees if you set up shop at a temporary site
Your business continuity strategy gets business back on track faster
At Nationwide, we understand that your business is your livelihood, so with our business interruption insurance we start payments sooner. Some companies force you to wait 72 hours after a loss before they start to pay* – not Nationwide Insurance.Contact a local Nationwide Insurance agent today for a free business interruption insurance quote customized to suit your needs.
Find superior service with Nationwide Insurance®
As a Nationwide customer, you are entitled to 24/7 claims service, superior customer support, free Loss Control information and the financial stability that comes with an A+ rating from A.M. Best.And be sure to download our free disaster planning toolkit (PDF) so you can better prepare your business for an emergency.
* Products and coverage not available to all customers in all states.
Surety Bonds
Find surety bonding services for your situation from Nationwide
Nationwide has been committed to providing quality surety bonding services backed by our commitment to On Your Side®customer service for over 50 years. Our portfolio of surety bonds, including contract bonds, commercial bonds and court bonds, has the flexibility to meet your business needs. Fidelity bonds are also available, further enhancing our broad portfolio of surety bonding services.Different than insurance, a surety bond is designed to guarantee a principal’s integrity and honesty, performance and financial responsibility, and compliance with a law or contract.
Contract surety bonds
If you’re a contractor and your next job requires you to secure a bid bond, performance bond, payment bond and/or maintenance bond, now is the time to get pre-qualified. Nationwide specializes in servicing small to medium-sized contractors. Our net worth underwriting philosophy is unique, emphasizing personal and business assets, credit history and your ability to complete projects. No contract surety bond is too small and no minimum premium is required.Find out more about our contract bonds today!
Commercial surety bonds
Nationwide has extensive experience meeting the commercial surety bond requirements for a wide variety of businesses. Our commercial bond customers range from cleaning service companies and motor vehicle dealers to convenience store owners and school board members. Typically required by law or regulation, this general classification of bonds includes license and permit bonds, public official bonds, notary bonds, notary errors and omissions bonds, federal bonds and other miscellaneous surety bonds.Find out more about our commercial bonds today!
Court surety bonds
If you’re involved in the court system as either a defendant, plaintiff or fiduciary, chances are good you’ll be required to obtain a court surety bond. As the name suggests, court bonds guarantee that a person or entity will faithfully perform the duties prescribed by law and will demonstrate financial responsibility for the benefit of another until the final outcome of a court’s decision. Commonly requested court surety bonds include appeal bonds and probate bonds.Find out more about our court bonds today!
Fidelity bonds
Although most businesses feel their assets are secure, employee theft can and does occur. Fidelity bonds protect against employee theft, whether from you or one of your customers.Find out more about our fidelity bonds today!
Business Travel Insurance
Business travel insurance is as necessary to your business operations as avoiding flight delays or traffic jams. Whether it's a quick trip to the store, a jaunt across town for a business meeting or several days out of town for a conference, you’re always on the go. Nationwide offers business travel insurance that will ensure that you and your employees are protected wherever your travels take you.
No matter how, why or where you travel, Nationwide's business travel insurance can help protect you and your employees against the unexpected occurrences that can interrupt your travels. Accidents, illnesses and injuries, can derail even the best laid plans. Learn more about the travel insurance that is right for your business needs and get a business travel insurance quote today!
Business travel insurance gets your trip on the right track
Business travel accident insurance provides accidental death and dismemberment (AD&D) coverage for your employees who travel for their job.Travel accident insurance provides AD&D coverage for you or your employees no matter how you travel.
Product benefits and features vary.
Group Accident Medical Insurance
GrouProtectorSM group accident medical insurance allows your business or organization to hold an event and have the peace of mind that everyone involved will be covered in the case of an accidental injury.
Nationwide offers a wide variety of plan options for community programs, organizations and amateur sports teams.
Get a quote and buy online
Use our quoting application for a fast and easy quote or to bind your policy online.For more information about our products or to submit your policy application through the mail, download or print a brochure.
| Amateur football brochure |  |
| Amateur baseball, softball and T-ball brochure | |
| Amateur basketball brochure | |
| Amateur soccer brochure | |
| Auxiliary police/firefighters brochure | |
| Camps and conferences brochure | |
| Child care brochure | |
| Clubs brochure | |
| Recreation brochure | |
| Vocational training brochure | |
| Youth groups brochure | |
| Amateur sports brochure | online quoting not available |
| Special events brochure | online quoting not available |
| ROTC and JROTC brochure | online quoting not available |
| Volunteer emergency brochure | online quoting not available |
| Volunteer emergency brochure (IN) | online quoting not available |
| Business Activities | online quoting not available |
| Travel accident brochure | online quoting not available |
| New York Disability brochure | online quoting not available |
Nationwide's GrouProtectorSM includes:
- Primary (first-to-pay) and excess (next-to-pay) plans
- Automatic coverage for all group participants
- Accidental death and specific loss (loss of limb, sight, hearing) benefits
- Coverage for out-of-pocket expenses like deductibles, co-insurance and prescriptions
Wednesday, September 26, 2012
Health Insurance Plans Austin, Texas
Are you looking for a comprehensive coverage health insurance plan that you can customize to suit your needs and budget? If so, one of our Series V Products is right for you. These health insurance plans offer you a comprehensive package of benefits to meet your needs now and in the future.
Our Series V Products include:
A Series V health insurance plan may be right for you if you are an individual or family who:
Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Texas family.
Policy form # PPO-BLUEEDGE-INDL-HSA-3-1
Are you looking for the kind of health insurance plan that gives you more control? If so, BlueEdgeSM Individual HSA may be right for you. This health savings account (HSA) health insurance plan enables you to decide how, when and where your health care dollars are spent. A high deductible affords you low monthly premiums, plus you gain tax advantages.*
Open enrollment is now closed for this product. The next open enrollment period is scheduled for May 1 through June 30 (5/1/2013 – 6/30/2013).
Our children's health insurance plan, Blue Pathway, provides coverage for individuals ages 1 through 18 and includes:
Blue Pathway provides guaranteed acceptance for applicants who are at least one year old and under 19 years of age.
View the features, options and costs of the Blue Pathway plan
to find out if it's right for you.
2012 open enrollment period is closed for this product.
Annual Open Enrollment Period
*Tier 1 and 2 benefits are paid after the plan medical deductible has been satisfied
Policy form #PPO-STM-3
.
document.
Our Series V Products include:
- PPO Select® Blue Advantage Series V (policy form # PPO-SELBLUE-ADV-5-1),
- PPO Select® Choice Series V (policy form # PPO-SELCHOICE-5-1) and
- PPO Select® Saver Series V (policy form # PPO-SELSAVER-5-1).
- Inpatient hospitalization services
- Medical and surgical expenses
- Preventive care, such as routine physicals, immunizations, diagnostic tests and more
- Three-tier prescription drug program
- 24-Hour Worldwide Care
- 100% coverage in or out of network for childhood immunizations up to age 8.
- Access to one of the largest provider networks in Texas, BlueChoice®
A Series V health insurance plan may be right for you if you are an individual or family who:
- Seeks coverage comparable to that of an employer
- Seeks the flexibility to meet your individual needs, family situation and budget, not a “pre-packaged, one-size-fits-all” health insurance plan
- Wants a choice of deductibles and coinsurance maximum levels to help control premium costs
- Regularly visits a doctor
- Needs coverage for prescription medication
Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Texas family.
- Individual deductibles for individuals ranging from $250 to $10,000*
- Individual maximum out-of-pocket is $3,000*
- Family deductibles ranging from $750 to $30,000*
- Family maximum out-of-pocket costs ranging from $6,000-$9,000*
- Office visits—copayments ranging from $25 up to 75 percent of allowable amount after deductible
- Coinsurance—you pay 15–25 percent and the health insurance plan pays 75–85 percent*
- To see what your monthly payments would be, get a quick quote.
* Represents estimated cost range for in-network coverage only. Out-of-network coverage costs can be significantly higher. Your greatest coverage and savings are realized when you use the services of participating providers within the network.
- Series V Products pays 75–85 percent and you pay 15–25 percent of covered expenses, after you meet your deductible
- Doctor's office visits covered 75–100 percent after $25 copayment or deductible, depending on the health insurance plan you choose
- Easy claims processing—no forms to file in most cases
- BlueCard® PPO benefits
More Health Insurance Plan Details
It's important to know the features of the health insurance plan you are considering. Our Outline of Coverage documents give you brief descriptions of the basic details of our Series V Products, as well as details on renewability, exclusions and limitations.
You can customize any Series V health insurance plan with the following option:
Optional Dental Coverage
Optional Dental Coverage
- Coverage can be used to provide dental benefits to an individual, spouse, children or any combination of dependents.
- A $50 deductible, based on fee schedule allowances, applies for dental procedures or services received by a covered individual during each benefit year.
- Maximum deductible amount of $150 for family coverage
- Learn more about optional dental coverage
- Prescription drug coverage is included with Series V Products.
- Copayments for prescription drugs vary based on the health insurance plan options you choose.
- If you take medications for birth control, high blood pressure, cholesterol or other long-term needs, you can also receive up to a 90-day supply at retail. In some cases, you'll pay less for the same amount of medication than at a retail pharmacy.
- View the individual health insurance plan Preferred Drug List
- Prescription Drug Utilization/Benefit Management Programs for policies with effective dates on or after 3/1/2012. See Compare Plans Chart for more information.
Are you looking for the kind of health insurance plan that gives you more control? If so, BlueEdgeSM Individual HSA may be right for you. This health savings account (HSA) health insurance plan enables you to decide how, when and where your health care dollars are spent. A high deductible affords you low monthly premiums, plus you gain tax advantages.*
BlueEdgeSM Individual HSA Coverage Overview
This health insurance product provides cost-sharing health coverage for inpatient settings with the freedom to choose your hospitals. Other key coverage and health insurance plan features include:- Medical services and surgical expenses
- Accident and emergency care
- 100% Preventive Care for adults and children
- 100% coverage in or out of network for childhood immunizations up to age 6
- Three-tier prescription drug program
- Want affordable premiums and need a wide range of benefits
- Don’t expect to have a lot of medical expenses
- Have money saved just in case you have to pay unexpected out-of-pocket health care expenses
- Are looking for more control over your health care choices
* A Health Savings Accounts (HSA) has tax and legal ramifications. Blue Cross and Blue Shield of Texas does not provide legal or tax advice, and nothing herein should be construed as legal or tax advice. These materials, and any tax-related statements in them, are not intended or written to be used, and cannot be used or relied on, for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the promotion or marketing of the transaction(s) or matter(s) addressed by these materials. You should seek advice based on your particular circumstances from an independent tax advisor regarding the tax consequences of specific health insurance plans or products.
BlueEdgeSM Individual HSA provides different levels of out-of-pocket expense limits, deductibles and coinsurance to allow you to select the plan that best meets your budget. With BlueEdgeSM Individual HSA, here’s what you can expect:
View the plan's Outline of Coverage, which provides brief descriptions of the basic provisions of BlueEdgeSM Individual HSA, including costs and out-of-pocket expenses.
- PPO benefits begin after you meet the deductible
- Coinsurance level determined by health insurance plan selection
- Individual deductibles ranging from $1,200 to $5,000*
- Individual maximum out-of-pocket expenses ranging from $3,000 to $5,000*
- Family deductibles ranging from $2,400 to $10,000*
- Family maximum out-of-pocket expenses ranging from $6,000-$10,000*
- Copayments ranging from 75–100 percent of allowable amount after calendar year deductible for office visits (doctor consultation only) and emergency care
- Coinsurance — you pay 0–25 percent of allowable amount and the health insurance plan pays 75–100 percent of allowable amount*
- To see what your monthly payments would be, get a quick quote.
View the plan's Outline of Coverage, which provides brief descriptions of the basic provisions of BlueEdgeSM Individual HSA, including costs and out-of-pocket expenses.
* These cost ranges represent in-network coverage only. Out-of-network coverage costs can be significantly higher. Your greatest coverage and savings are realized when you use the services of participating providers within the network.
- BlueEdgeSM Individual HSA pays 75–100 percent of allowable amount and you pay 0–25 percent of allowable amount for covered expenses after you meet your deductible (in-network).
- In-network doctor's office visits for routine physicals, immunizations and diagnostic tests are covered at 75–100 percent of the allowable amount, subject to deductible.
- Easy claims processing—no forms to file in most cases
- Emergency room visits are covered at 75–100 percent of allowable amount after calendar year deductible and coinsurance.
- The tax-favored advantages that come with a Health Savings Account*
- Access to online decision tools to help increase your knowledge of health issues and track your health care expenses
More Health Insurance Plan Details
It’s important to know the features of the health plan you are considering. Our Outline of Coverage document gives you brief descriptions of the basic details of our BlueEdgeSM Individual HSA health insurance plan, as well as details on renewability, exclusions and limitations.
* Health Savings Accounts (HSAs) have tax and legal ramifications. Blue Cross and Blue Shield of Texas does not provide legal or tax advice, and nothing herein should be construed as legal or tax advice. These materials, and any tax-related statements in them, are not intended or written to be used, and cannot be used or relied on, for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the promotion or marketing of the transaction(s) or matter(s) addressed by these materials. You should seek advice based on your particular circumstances from an independent tax advisor regarding the tax consequences of specific health insurance plans or products.
You can customize any Series V health insurance plan with the following option:Optional Dental Coverage
- Coverage can be used to provide dental benefits to an individual, spouse, children or any combination of dependents.
- A $50 deductible, based on fee schedule allowances, applies for dental procedures or services received by a covered individual during each benefit year.
- Maximum deductible amount of $150 for family coverage
- Learn more about optional dental coverage
- Prescription drug coverage is included with this plan.
- Copayments for prescription drugs vary based on plan options you choose.
- If you take medications for birth control, high blood pressure, cholesterol or other long-term needs, you can also receive up to a 90-day supply at retail. In some cases, you'll pay less for the same amount of medication than at a retail pharmacy.
- View the Complete Prescription Drug List
- Prescription Drug Utilization/Benefit Management Programs for policies with effective dates on or after 3/1/2012. See Compare Plans Chart for more information.
Open enrollment is now closed for this product. The next open enrollment period is scheduled for May 1 through June 30 (5/1/2013 – 6/30/2013).
Our children's health insurance plan, Blue Pathway, provides coverage for individuals ages 1 through 18 and includes:
- Benefits for preventive care services
- Diagnostic testing
- Hospital services
- Emergency care
- Prescription drug coverage
- Physical, occupational and speech therapist therapy services
Blue Pathway provides guaranteed acceptance for applicants who are at least one year old and under 19 years of age.
View the features, options and costs of the Blue Pathway plan
to find out if it's right for you.2012 open enrollment period is closed for this product.
Annual Open Enrollment Period
- The annual Open Enrollment period runs from May 1 through June 30 (5/1 – 6/30).
- Use this time to enroll in Blue Pathway for the first time or to switch plans.
Health insurance costs include monthly premium payments, individual/family deductibles, out-of-pocket expenses, copayments and coinsurance. For Blue Pathway plans, here’s what you can expect:
For more information on costs, including out-of-pocket costs, see the Outline of Coverage document under What's Included with Blue Pathway below.
- Individual in-network deductible of $2,500/$5,000 for out-of-network
- Family in-network deductible of $7,500/$15,000 for out-of-network
- Coinsurance levels of 75% in-network/60% out-of-network
- Benefits for preventive care services covered of 100% in-network/60% out-of-network
For more information on costs, including out-of-pocket costs, see the Outline of Coverage document under What's Included with Blue Pathway below.
At Blue Cross and Blue Shield of Texas (BCBSTX), we understand your concerns about coverage continuity. BCBSTX will never terminate or refuse to renew your Policy because of the condition of your health. However, to protect you and the rights of all policy holders, there are situations when a policy may be terminated or a renewal refused:
For more information on renewability, see the Blue Pathway Outline of Coverage.
- Failure to pay premiums
- The Blue Pathway plan is discontinued (90 days notice given with an option to convert to any plan we offer)
- Discovery of fraud or an intentional misrepresentation of facts (30 days prior written notice given)
- Failure to continue residing, living or working in an area where we are authorized to do business
For more information on renewability, see the Blue Pathway Outline of Coverage
.
It’s important to know the features of the health insurance plan you are considering. Our Outline of Coverage documents give you brief descriptions of the basic details of our Blue Pathway product, as well as details on renewability, exclusions and limitations.
Blue Pathway Outline of Coverage
Blue Pathway Outline of Coverage
The Individual Dental plan is available as an optional benefit with your individual Blue Cross and Blue Shield of Texas insurance plan. There is an additional premium associated with this plan.
Learn more about the Dental Indemnity USA plan.
Learn more about the Dental Indemnity USA plan.
- Generic Drugs (Tier 1*) - $15 copayment in-network
- Preferred Brand Drugs (Tier 2*) – 75% coinsurance level in-network
- Your benefit plan includes a mail service program that offers you the convenience of having covered maintenance medications delivered directly to you.
- Your out-of-pocket cost for prescription drugs usually is less when you choose generic or formulary
Policy form #PPO-STM-3
Short-term Health Insurance Overview
SelecTEMP® PPO provides temporary health coverage for you, your spouse and your children. It offers various benefit periods and deductibles to give you the control to tailor coverage, premium rates and out-of-pocket expenses according to your own needs.SelecTEMP PPO Coverage Overview
Key features include:- Inpatient and outpatient medical, surgical and hospital services
- Diagnostic services
- Emergency care
- Office visits
- Childhood immunizations up to the child’s eighth birthday
- Prescription drug coverage
- Experiencing a gap in employer coverage or can’t afford COBRA
- Waiting for employer coverage to begin
- A recent graduate and still seeking employment
- Age 64 and about to retire, but not yet eligible for Medicare
Who is eligible for SelecTEMP PPO?
- Texas residents at least 60 days of age and under 65 years of age
- Non-expectant parents
- Unmarried dependent children at least 60 days of age and under 25 years of age
- U.S. citizens or non-U.S. citizens living in the United States for at least two years (a copy of your Alien Registration Receipt Card must be submitted with your application)
Health insurance costs include monthly payments, individual deductibles, drug coverage deductibles, out-of-pocket expenses, copayments, and coinsurance. For SelecTEMP PPO plans, here’s what you can expect:
For more information on costs, including out-of-pocket expenses, view this SelecTEMP PPO Outline of Coverage document.
- Individual deductibles for individuals ranging from $500 to $2,500*
- Family deductibles ranging from $1,500 to $7,500*
- Copayment of $100 for emergency room facility visit - waived if admitted to Hospital immediately following the visit. (This copayment amount applies to the facility visit only. The facility and physician services and supplies are subject to the deductible and coinsurance amount.)
- Coinsurance—you pay 20 percent of allowable amount after deductible with a maximum of $1,000, family coverage coinsurance maximum is $3,000*
- To see what your monthly payments would be, get a quick quote
For more information on costs, including out-of-pocket expenses, view this SelecTEMP PPO Outline of Coverage
document.
* These cost ranges represent in-network coverage only. Out-of-network coverage costs can be significantly higher. This plan uses the BlueChoice® network, which enables you to save on premiums and the cost of covered services when you use a participating hospital, doctor or specialist.
- Freedom to choose doctors and hospitals (out-of-pocket expenses will be less when using the services of doctors and hospitals in the BlueChoice Network)
- 24 hour worldwide coverage
- Choice of deductible amount, payment type and length of benefit period (one to six months)
- Prescription Drug Program (Generic, Preferred and Non-preferred drugs)
- Mail Order Prescription Drug Program (90-day supply of covered prescription drug for two copay amounts)
More Health Insurance Plan Details
It’s important to know the features of the health insurance plan you are considering. Our Outline of Coverage documents give you brief descriptions of the basic details of SelecTEMP PPO, as well as details on renewability, exclusions and limitations. View the SelecTEMP PPO Outline of Coverage.- Prescription drugs and medicines (not used in a hospital) are covered up to a maximum benefit of $750 per participant per benefit period.
- There is a separate $200 prescription program deductible that must be satisfied before benefits are available.
- Once the deductible has been met, a copayment will apply, the amount based on whether your prescription is filled at a participating pharmacy or through the Prescription Drug Mail Service and the type of drug dispensed (generic, preferred or non-preferred).
- You have the option to order your prescription drugs through the mail with our 90-Day Supply Program.
- SelecTEMP PPO is a short term health insurance plan for individuals and families who need temporary coverage.
- If you need temporary coverage for an additional period of time, you may apply for a second contract term.
- If accepted, any pre-existing condition incurred during the first contract will not be covered with the new contract.
- If you need a long-term health insurance solution, please consider our other individual and family coverage options.
document.
Every insurance plan has limitations. These limits are there to keep health care costs down for everyone. A pre-existing condition is just one example of a limitation. For example, a pre-existing condition will be excluded from your participation in a health insurance plan. This means your health care expenses related to a pre-existing condition will not be covered.
It’s important to know the limitations of your health insurance plan. For a full list of exclusions and limitations, see our SelecTEMP PPO Outline of Coverage document.
View the Complete Prescription Drug List to see if your prescriptions are included.
Some highlights of Dental Indemnity USA coverage:
See the Dental Indemnity USA Outline of Coverage for more details on benefits and policies.
www.nationwide.com/joshlewis
www.austinhealthbrokers.com
www.bcbstx.com
It’s important to know the limitations of your health insurance plan. For a full list of exclusions and limitations, see our SelecTEMP PPO Outline of Coverage
document.View the Complete Prescription Drug List
to see if your prescriptions are included.Dental Indemnity USA Plan
The Individual Dental plan is available as an optional benefit with your individual Blue Cross and Blue Shield of Texas insurance plan. There is an additional premium associated with this plan.Some highlights of Dental Indemnity USA coverage:
- Coverage can be used to provide dental benefits to an individual, spouse, children or any combination of dependents.
- A $50 deductible, based on fee schedule allowances, applies for dental procedures or services received by a covered individual during each benefit year.
- Maximum deductible amount of $150 for family coverage.
- Deductibles do not apply to oral exams, cleanings, fluoride treatments, sealants and X-rays.
See the Dental Indemnity USA Outline of Coverage
for more details on benefits and policies.- You must enroll in a BCBSTX health plan in order to enroll in the dental plan (excluding SelecTemp PPO). You have up to 31 days from the effective date of your policy to enroll.
- All members on that health plan must be enrolled in Dental Indemnity USA.
- Once your dental plan is dropped for any reason, you cannot re-enroll unless you reapply for a new health insurance plan.
| Zip Codes 754-759, 764-769, 776-785, 788, 790-798 | |
|---|---|
| Member | $29.00 |
| Member + Spouse | $58.00 |
| Member + Child(ren) | $60.20 |
| Family | $100.80 |
| Zip Codes 733, 750-753, 760-763, 770, 772-775, 786-787, 789,799, 885 | |
| Member | $34.70 |
| Member + Spouse | $69.40 |
| Member + Child(ren) | $70.90 |
| Family | $119.50 |
www.nationwide.com/joshlewis
www.austinhealthbrokers.com
www.bcbstx.com
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