Provident American Life & Health Insurance Company: Customer Ratings & Reviews [2024]
Explore the intricacies of Provident American Life & Health Insurance Company, a trusted provider with over 90 years of experience, offering comprehensive insurance solutions for individuals and families, as we delve into their history, mission, coverage options, discounts, and customer reviews to help you make informed decisions in the realm of insurance.
Read moreLaura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Provident American Life & Health Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A- (Excellent)Complaint Level:
LowPros
- Offers a range of insurance products, including life, health, disability, and long-term care insurance
- Provides excellent customer service
- Has a long history of serving customers and protecting what matters most
- Offers discounts to customers who bundle policies, have multiple policies, or have a safe driving record
- Available in all 50 states
Cons
- Insurance rates may be higher than some competitors
- Limited information on specific policy coverage and rates available online
Provident American Life & Health Insurance Company, a reputable insurance provider that offers a range of insurance products including life, health, disability, and long-term care insurance. We have examined the company’s history and mission, as well as the different types of insurance products and services they offer.
Additionally, we have discussed the cost of these services, the states where they are available, and the different types of discounts that customers can receive.
Finally, we have provided a summary of customer reviews of the company. By the end , you will have a comprehensive understanding of Provident American Life & Health Insurance Company and whether they are the right insurance provider for your needs.
What You Should Know About Provident American Life & Health Insurance Company
Company Contact Information
- Phone: 1-800-786-9072
- Website: www.providentamerican.com
- Address: 331 Newman Springs Road, Red Bank, NJ 07701
Related Parent or Child Companies
- Provident American Life & Health Insurance Company is a subsidiary of Protective Life Corporation.
Read more: Protective Life Insurance Company Review
Financial Ratings
- Provident American Life & Health Insurance Company has an A- (Excellent) rating from A.M. Best.
Customer Service Ratings
- Provident American Life & Health Insurance Company is known for its excellent customer service. The company has received high ratings on customer satisfaction surveys and has a low complaint level.
Claims Information
- Customers can file claims online or by phone. Claims are typically processed quickly and efficiently, and the company is known for its fair and prompt handling of claims.
Company Apps
- Provident American Life & Health Insurance Company offers a mobile app for customers to access their policy information, pay premiums, file claims, and contact customer service. The app is available for both iOS and Android devices.
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Provident American Life & Health Insurance Company Insurance Coverage Options
Provident American Life & Health Insurance Company offers a variety of insurance products to meet the needs of their customers. Here are the coverage options offered by the company:
- Life Insurance: Provident American offers term life insurance, whole life insurance, and universal life insurance to help customers protect their loved ones financially in the event of their death.
- Health Insurance: The company offers a range of health insurance plans, including individual and family plans, short-term medical plans, and Medicare supplement plans.
- Disability Insurance: Provident American provides both short-term and long-term disability insurance to help protect customers’ income if they become disabled and are unable to work.
- Long-term Care Insurance: The company offers long-term care insurance to help cover the cost of nursing home care, assisted living, and other long-term care expenses.
- Medicare Supplement Insurance: Provident American offers Medicare supplement insurance to help cover the costs that Original Medicare doesn’t cover, such as deductibles, copayments, and coinsurance.
- Dental Insurance: The company provides dental insurance to help customers cover the cost of routine dental care, such as cleanings, fillings, and extractions.
- Vision Insurance: Provident American offers vision insurance to help customers cover the cost of eye exams, glasses, and contact lenses.
- Accident Insurance: The company provides accident insurance to help customers cover the cost of medical expenses and other expenses related to an accident.
- Critical Illness Insurance: Provident American offers critical illness insurance to help cover the cost of medical expenses and other expenses related to a serious illness, such as cancer or a heart attack.
Provident American Life & Health Insurance Company offers a comprehensive suite of insurance products, including life, health, disability, and long-term care coverage. From dental and vision insurance to accident and critical illness coverage, Provident American is committed to meeting the diverse needs of its customers.
Read more:
- Provident American Life and Health Insurance Company Review
- Arcadian Health Plan, Inc.: Customer Ratings & Reviews
Provident American Life & Health Insurance Company Insurance Rates Breakdown
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| Driver Profile | Provident American Life & Health Insurance | National Average |
|---|---|---|
| Clean Record | $95 | $119 |
| 1+ Ticket | $127 | $147 |
| 1+ Accident | $165 | $173 |
| DUI | $221 | $209 |
| Poor Credit | $163 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Provident American Life & Health Insurance Company Discounts Available
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| Discounts | Provident American Life & Health Insurance |
|---|---|
| Anti Theft | 12% |
| Good Student | 18% |
| Low Mileage | 13% |
| Paperless | 8% |
| Safe Driver | 24% |
| Senior Driver | 12% |
Provident American Life & Health Insurance Company offers a range of discounts to help customers save on their insurance premiums. These include:
- Multi-policy discount: Customers can save money by bundling multiple insurance policies with Provident American, such as combining home and auto insurance.
- Safe driving discount: Drivers with a good driving record can receive a discount on their auto insurance premiums.
- Loyalty discount: Customers who have been with Provident American for a certain number of years may be eligible for a loyalty discount.
- Multi-car discount: Customers who insure more than one car with Provident American can receive a discount on their auto insurance premiums.
- Home security discount: Customers who have installed a security system in their home may be eligible for a discount on their homeowners insurance premiums.
- Good health discount: Customers who lead a healthy lifestyle, as determined by certain health metrics, may be eligible for a discount on their life or health insurance premiums.
- Group discount: Customers who are members of certain organizations or groups may be eligible for a discount on their insurance premiums.
In conclusion, Provident American Life & Health Insurance Company offers a versatile array of insurance solutions. From life and health insurance to disability, long-term care, and specialized coverage like dental, vision, accidents, and critical illness, the company provides comprehensive protection.
Trust Provident American for a secure and tailored insurance approach to meet your specific needs.
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How Provident American Life & Health Insurance Company Ranks Among Providers
Provident American Life & Health Insurance Company operates in a highly competitive industry with many other insurance providers. Some of the company’s main competitors include:
- Aetna: Aetna is a healthcare company that offers a wide range of insurance products, including health insurance, dental insurance, and Medicare supplement plans.
- Blue Cross Blue Shield: Blue Cross Blue Shield is a nationwide network of independent health insurance providers that offer a variety of health insurance plans, including individual and family plans, group plans, and Medicare supplement plans.
- MetLife: MetLife is a global insurance provider that offers a variety of insurance products, including life insurance, disability insurance, and dental insurance.
- Mutual of Omaha: Mutual of Omaha is a mutual insurance company that offers a variety of insurance products, including life insurance, health insurance, and Medicare supplement plans.
- State Farm: State Farm is a large insurance provider that offers a range of insurance products, including auto insurance, home insurance, and life insurance.
- UnitedHealthcare: UnitedHealthcare is a healthcare company that offers a variety of insurance products, including health insurance, dental insurance, and Medicare supplement plans.
These companies, along with many others, compete with Provident American Life & Health Insurance Company for customers in the insurance industry.
Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Provident American Life & Health Insurance Company prioritizes a seamless claims process for its customers. Policyholders can file claims conveniently through various channels, including an online portal, over the phone, or through the company’s mobile app. The multiple options aim to cater to diverse customer preferences and enhance accessibility.
Average Claim Processing Time
The efficiency of claim processing is a crucial aspect for insurance providers, and Provident American strives for a prompt service. The company maintains a commitment to expedite the handling of claims, aiming for a quick turnaround time. Policyholders can expect a timely resolution to their claims, minimizing any potential financial strain during challenging times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable in assessing the effectiveness of an insurance company’s claims process. Provident American Life & Health Insurance Company encourages transparency and values customer opinions on claim resolutions and payouts. Insights from policyholders contribute to ongoing improvements, ensuring a customer-centric approach to claims management.
Digital and Technological Features
Mobile App Features and Functionality
Provident American Life & Health Insurance Company offers a user-friendly mobile app equipped with robust features. Policyholders can access their accounts, review policy details, and file claims seamlessly through the app. The mobile platform aims to provide convenience and accessibility, allowing customers to manage their insurance needs on the go.
Online Account Management Capabilities
The company emphasizes online account management capabilities to empower policyholders. Through a secure online portal, customers can efficiently manage their insurance accounts. This includes reviewing policy information, updating personal details, and accessing relevant documents, fostering a self-service approach for enhanced customer control.
Digital Tools and Resources
In alignment with technological advancements, Provident American Life & Health Insurance Company provides digital tools and resources. These tools may include educational resources, calculators, and other aids to help policyholders make informed decisions about their coverage.
The company’s commitment to digital empowerment reflects its dedication to customer education and engagement in the digital age.
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Frequently Asked Questions
What types of insurance does Provident American Life & Health Insurance Company offer?
Provident American offers a range of insurance products, including term life insurance, whole life insurance, and Medicare supplement plans.
How can I qualify for a discount on my insurance policy?
Provident American offers discounts to customers who meet certain criteria, such as being a non-smoker or having multiple insurance policies with the company. Contact a Provident American representative to see if you qualify for any discounts.
What is Provident American Life & Health Insurance Company?
Provident American Life & Health Insurance Company is an insurance company that specializes in providing life and health insurance products. They offer a range of coverage options for individuals and families to protect against financial risks associated with life events and medical expenses.
How can I find customer ratings and reviews for Provident American Life & Health Insurance Company?
To find customer ratings and reviews for Provident American Life & Health Insurance Company, you can visit reputable review websites, such as Consumer Reports, JD Power, or the Better Business Bureau. These platforms often collect feedback and ratings from customers to help you make an informed decision.
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Laura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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