Imerica is a new kind of health insurance Company that makes it easy for employers and consumers to make smart decisions about their healthcare. They offer a full range of health plans to choose from. Their specialty is making it easy for consumers and employers to utilize HSA-qualified plans and tax-advantaged health savings accounts (HSAs).

Imerica and FirstBank, one of the nation's largest privately-held banks, partner to provide a seamless solution, giving consumers the tools to effectively manage their health insurance and HSA.

About Imerica

Imerica makes it easy for you to get insured, pay for health insurance and make smart decisions about your healthcare. We provide affordable health plans and health savings accounts (HSAs) that let you control your healthcare dollars today and save for tomorrow.

Imerica, Inc.

Corporate Headquarters:
3501 Frontage Rd
Tampa, Florida 33607
(800) 504-4396
CEO:
Robert S. Ruiz-Moss
Employee Number:
Under 100
2008 Revenue:
Under $20 Million

Product Types Offered

Individuals

Choose one of our HSA-qualified plans and combine it with a health savings account from FirstBank or choose their of our co-pay (PPO) plans. U.S. citizens ages 18 through 63 1/2 may apply to insure themselves and their eligible dependents. Please be sure to review their plan brochures for complete details.

Imerica HSA-qualified Plans
Imerica’'s flagship products are our HSA-qualified plans. These plans provide health insurance with lower monthly premiums than traditional insurance and help protect you from unexpected, large medical expenses. Combine them with an HSA for savings and tax advantages. We offer several plans for individuals and families.

Health Savings Account
Get the most value from your HSA-qualified plan by putting money you saved on premiums into a tax advantaged HSA account that you control. Your HSA funds can be used to pay your deductible and other qualified expenses, or saved to pay for future healthcare and retirement expenses.

Imerica PPO Plans
These plans provide competitively priced medical insurance with traditional co-pays for office visits and prescriptions. All Imerica Plans Offer Optional Benefits (Additional premium required):

1. Primary insured and dependent life insurance
   • The spouse/ child(ren) life insurance benefit is only available if the primary insured elects the primary life benefit.
   • Primary insured: $10,000 benefit
   • Spouse: $10,000 benefit; Child(ren): $5,000 benefit


2. Supplemental accident insurance
   • Paid at 100%, up to a $500 or $1,000 maximum benefit per occurrence with no calendar-year deductible. Charges for the covered injury must be incurred within 3 months of the date of the accident. After the supplemental accident benefit maximum has been reached, remaining covered charges apply to the policy/certificate deductible and co-insurance.


3. Maternity (Available with PPO plans only)
   • The maximum benefit is $4,000. It is paid after the calendar-year deductible and co-insurance have been met, and when the insured person’s delivery occurs after 18 months of continuous coverage under the rider.

Provider Network

Imerica has a strong proider network in 12 states, and keeps growing. You can use Imerica’s online provider directory to learn more about doctors, hospitals, other medical services, dentists, vision care providers and pharmacies that work with your Imerica plan.

Click here to access Imerica’s Onine Provider Directory

Recent News

Here are some of the most recent news regarding Imerica:

Imerica Life and Health Insurance Company Announces the Appointment of 2 Seasoned Sales Executives for Expansion into the Illinois, Georgia and Alabama Markets.

TAMPA, Fl., January 31, 2006 —  -- Regional Vice Presidents Tom Cocagne and Bruno Guillemette Will Bring Expertise and Leadership to Developing Agent Distribution System

Rod Farmer, CEO & President of Imerica Life and Health Insurance Company, today announced the appointment of 2 seasoned sales executives for the continuing expansion of its health insurance plans in the Illinois, Georgia and Alabama markets. Both Tom Cocagne (Illinois) and Bruno Guillemette (Georgia & Alabama) each bring well over 20 years of health insurance sales and marketing expertise to Imerica. In their new positions as Regional Vice Presidents of Sales, they will be responsible for recruiting and training independent ... (Continue Reading)

Rating

Imerica’s rating, as rated by A.M. Best Company. A.M. Best Company is a full-service credit rating organization dedicated to serving the financial services industries, including the banking and insurance sectors.

Financial Strength Rating
Rating: NR-5 (Not Formally Followed)
Outlook: Not Applicable
Action: Affirmed
Effective Date: March 20, 2009