World Insurance Company

Health Insurance Built for You

World Insurance company was established in 1903 and has since built a reputation of quality yet affordable health plans. They offer different plans to fit your various needs, but the HSA qualified HD plans are their most popular plans right now. Below, you can compare the HD advantage options available. World Insurance has been assigned an A.M. Best rating of A- (Excellent).

Coverage at a Glance for HSA Qualified HD Advantage Plans in Colorado
	HD Advantage 100	HD Advantage 80	HD Advantage 50
Lifetime Maximum	Choice of $2 million or optional $5 million
Deductible Out of Pocket Maximum (each calendar year)	Individual In-PPO: $1,500 / $1,500, $2,500 / $2,500 or $5,000 / $5,000 Out-of-PPO: $3,000 / $4,500, $5,000 / $8,750 or $10,000 / $13,750 Family In-PPO: $2,500/$2,500, $5,000/ $5,000 or $10,000/$10,000 Out-of-PPO: $5,000/$8,750, $10,000/$17,500 or $20,000/ $27,500	Individual: In-PPO: $1,500/$2,500 or $2,500/ $5,000 Out-of-PPO: $3,000/$6,000 or $5,000/$12,500 Family In-PPO: $2,500/$5,000 or $5,000/ $10,000 Out-of-PPO: $5,000/$12,500 or $10,000/$25,000	Individual In-PPO: $1,500/$3,000 or $2,500/ $5,000 Out-of-PPO: $3,000/$6,150 $5,000/$10,250 Family In-PPO: $2,500/$6,000 or $5,000/ $10,000 Out-of-PPO: $5,000/$12,350 or $10,000/$20,500
Physician Office Visits Prescription Drugs Inpatient Hospital Outpatient Medical	In-PPO: 100% after deductible. (You pay $0) Out-of-PPO: 80% after deductible (You pay 20% up to your out-ofpocket maximum)	In-PPO: 80% after deductible. (You pay 20% up to your out-ofpocket maximum) Out-of-PPO: 60% after deductible (You pay 40% up to your out-ofpocket maximum)	In-PPO: 50% after deductible. (You pay 50% up to your out-of-pocket maximum) Out-of-PPO: 30% after deductible (You pay 70% up to your out-ofpocket maximum)
Emergency Room	In-PPO: 100% after deductible Out-of-PPO: 80% after deductible Plus $100 copayment if visit is for an illness and patient is not admitted directly into hospital as inpatient.	In-PPO: 80% after deductible Out-of-PPO: 60% after deductible Plus $100 copayment if visit is for an illness and patient is not admitted directly into hospital as inpatient.	In-PPO: 50% after deductible Out-of-PPO: 30% after deductible Plus $100 copayment if visit is for an illness and patient is not admitted directly into hospital as inpatient.
Wellness Benefit (Eligibility starts six months after plan is effective.)	Subject to deductible and coinsurance, each PPO plan provides up to $250 in eligible covered expenses for in-PPO wellness services per person, per calendar year.
Foreign Travel Emergency (Emergency care that begins during first 60 days outside U.S.)	In-PPO: 100% after deductible Out-of-PPO: 80% after deductible $100,000 lifetime maximum	In-PPO: 80% after deductible Out-of-PPO: 60% after deductible $100,000 lifetime maximum	In-PPO: 50% after deductible Out-of-PPO: 30% after deductible $100,000 lifetime maximum

Other World Options

More detailed World of Colorado Flex Advantage plan information can be seen by downloading a Brochure. Or, basic plan information can be seen in the Value Advantage Brochure. Optional benefit enhancements to the Flex Advantage and Value Advantage are:

Maximum Benefit Option increases lifetime maximum to $5
million: Your Flex Advantage policy’s lifetime coverage maximum is $2
million per covered person. The Maximum Benefit Option increases
the lifetime maximum to $5 million per covered person. It also increases
the per-organ transplant maximum from $500,000 to $1,000,000 at
nationwide Centers of Excellence, facilities that specialize in specific
types of transplants and can provide you with quality care on a
cost-efficient basis.
Term Life Benefit Riders add life insurance coverage: The Term
Life Benefit Rider provides you/your spouse with annually renewable
term life insurance coverage in benefit amounts of $10,000, $25,000 or
$50,000.
Outpatient Accident Benefit Rider offers first-dollar coverage for
injuries: With the Outpatient Accident Benefit Rider, your plan pays
100 percent of expenses for a covered injury, not to exceed the amount
you choose ($500, $1,000, $1,500, $2,000, $2,500, $3,000 or $5,000)
per calendar year for treatment of injuries on an outpatient basis, with
no deductible or coinsurance. Additional benefits are subject to your
deductible and coinsurance. (Not all levels are available in all states.)
Expenses covered under this rider include: services, supplies, and
physician’s care; X-ray and laboratory tests; and treatment or services
received in a hospital emergency room, urgent care center, physician’s
office, or ambulatory surgical center or facility.
Physician Office Visit Copay Benefit (Flex Advantage 100, 80
and 60): The Physician Office Visit Copay Benefit provides up to
two in-PPO physician office visits per calender year for a $30 per visit
copayment. After the two visit maximum, the charges will be subject
to deductible and coinsurance. Out-of-PPO visits are subject to out-ofnetwork
deductible and coinsurance levels. Diagnostic x-ray and lab are
subject to deductible and coinsurance.
Physician Office Visit Copay/DXL Benefit (Flex Advantage 100,
80 and 60): This provides physician office visits for a $30 per visit
copayment, with no maximum on the number of visits per calendar
year. Out-of-PPO visits are subject to out-of-PPO deductible and
coinsurance levels. This benefit also provides diagnostic, x-ray and lab
(DXL) benefits up to a maximum of $200 per covered person, per
calendar year without a deductible or coinsurance.
Prescription Drug Copay Benefit (Flex Advantage 100, 80 and 60,
and Flex Advantage Traditional 80): This optional benefit provides
prescription drug copayment benefits after a separate $200 Rx
deductible per calendar year is satisfied. Under this optional benefit,
prescription drugs cost you $15 or 20 percent* for generic, $35 or 50
percent* for brand name (formulary) and $50 or 50 percent* for brand
name (non-formulary) drugs.
*of the drug’s cost, whichever is greater.

You can compare the rates of World plans to other plans in Colorado using our instant quotes.

Application Options

Applications can be done by downloading a Paper Application and faxing or mailing it to us at the fax number or address in the instructions.

DO NOT CANCEL ANY EXISTING HEALTH INSURANCE UNTIL RECEIVING WRITTEN NOTICE OF APPROVAL.

**Any descriptions of coverage on this page may not be current and should not be taken as a description of coverage. Any persons seeking to get a full description of coverage should view Colorado plan description forms and/or brochures for the plan they are interested in.

World Health Insurance - Colorado