Mega Life and Health Insurance Review & Ratings (2023)

This Mega Life and Health Insurance Review will cover Mega Life and Health Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your area, enter your ZIP code below.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 22, 2023

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Company Details
Address: PO Box 982010
City: North Richland Hills
State: TX
ZIP Code: 76182
Phone Number: (800) 527-5504
Fax: (800) 343-3702
AM Best Rating: N/A
Company Rating 1.28 (4 reviews)

An Overview: Mega Life and Health Insurance

Health insurance is one of the most important decisions that an individual can make for themselves and their loved ones. When it comes to choosing the right health insurance provider, many people turn to Mega Life and Health Insurance.

Mega Life and Health Insurance is a company that provides a variety of health insurance options to individuals and families.

  • Offers a range of insurance options to individuals and families.
  • Provides flexible payment options to customers.
  • Has been in business for over 30 years.

In this article, we will take a closer look at the history and mission of the company, the products and services they offer, the cost of those services, the states where its services are offered, the different types of discounts available to customers, and a summary of customer reviews of the company.

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History and Mission: Mega Life and Health Insurance

Mega Life and Health Insurance was founded in 1982 by John W. Wallace, who had a vision of providing affordable health insurance options to individuals and families.

From its humble beginnings, the company has since grown and expanded its services to include life insurance, dental insurance, and other health-related products.

The company’s mission is to provide quality health insurance options to its customers at an affordable price. Mega Life and Health Insurance believe that everyone deserves access to affordable health insurance, regardless of their income or health status.

As such, the company works to provide a variety of health insurance options that fit the needs and budgets of its customers.

Coverage Options: Mega Life and Health Insurance

Mega Life and Health Insurance offer a variety of health insurance products and services to individuals and families. Here’s an overview of the different products and services they offer:

  • Individual health insurance: Mega Life and Health Insurance offer individual health insurance plans that provide coverage for medical expenses, including doctor’s visits, hospital stays, prescription drugs, and more.
  • Family health insurance: Mega Life and Health Insurance also offer family health insurance plans that cover the medical expenses of the entire family. These plans can be customized to fit the needs and budgets of different families.
  • Dental insurance: Mega Life and Health Insurance offer dental insurance plans that cover preventive care, basic procedures, and major procedures. These plans can help individuals and families save money on their dental expenses.
  • Vision insurance: Mega Life and Health Insurance offer vision insurance plans that cover eye exams, glasses, and contact lenses. These plans can help individuals and families save money on their vision expenses.
  • Life insurance: Mega Life and Health Insurance offer life insurance plans that provide financial protection to the policyholder’s loved ones in the event of their death. These plans can help ensure that the policyholder’s family is taken care of financially after they pass away.

The cost of these products and services varies depending on the type of insurance selected and the individual’s location. It’s important to note that the availability and pricing of these products may vary depending on the state you’re in.

States Covered by Mega Life and Health Insurance

Mega Life and Health Insurance are currently available in 47 states in the United States. The states where Mega Life and Health Insurance is available are:

Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin.

It’s important to note that the availability and pricing of Mega Life and Health Insurance products may vary depending on the state you’re in.

Therefore, it’s always best to check with the company directly or with a licensed insurance agent to get the most up-to-date and accurate information.

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Cost of Mega Life and Health Insurance

The cost of insurance with Mega Life and Health Insurance can vary depending on several factors, such as the type of insurance plan, the coverage amount, the individual’s age, gender, health status, and location.

However, in general, Mega Life and Health Insurance are known for offering affordable health insurance options.

It’s important to note that these rates are just estimates and may vary based on several factors. It’s always best to get a personalized quote from Mega Life and Health Insurance or a licensed insurance agent to get a more accurate idea of the cost of insurance.

Additionally, Mega Life and Health Insurance offer discounts that can help reduce the cost of insurance for eligible customers.

Discounts Available With Mega Life and Health Insurance

Mega Life and Health Insurance offer several discounts to help eligible customers save on their insurance premiums. Here are some of the discounts they offer:

  • Multi-policy discount: Customers can save money by bundling multiple insurance policies together, such as health insurance and dental insurance.
  • Healthy living discount: Customers who lead a healthy lifestyle and meet certain health criteria, such as maintaining a healthy weight, can qualify for a healthy living discount.
  • Non-smoker discount: Customers who do not use tobacco products can qualify for a non-smoker discount.
  • Group discount: Customers who purchase insurance through a group, such as an employer or professional organization, can qualify for a group discount.
  • Loyalty discount: Customers who have been with Mega Life and Health Insurance for a certain amount of time can qualify for a loyalty discount.

The specific discounts and eligibility requirements can vary based on the state and the type of insurance policy. It’s always best to check with Mega Life and Health Insurance or a licensed insurance agent to determine which discounts you may be eligible for.

Additionally, it’s important to note that discounts may not be available in all states or for all insurance policies.

Customer Reviews: Mega Life and Health Insurance

When it comes to customer reviews, Mega Life and Health Insurance have mixed feedback. Here’s a summary of what customers have said about the company:

Positive reviews:

  • Affordable prices: Many customers have praised Mega Life and Health Insurance for offering affordable health insurance options, especially for individuals and families who may not have access to employer-sponsored coverage.
  • Easy to work with: Several customers have reported that the company’s representatives are friendly and helpful, making it easy to purchase and manage their insurance policies.
  • Quick claims processing: Some customers have noted that Mega Life and Health Insurance processes claim quickly and efficiently, allowing them to get the care they need without delay.

Negative reviews:

  • Customer service issues: Some customers have reported difficulty contacting the company’s customer service team, or have experienced long wait times when trying to get help.
  • Limited coverage: A few customers have noted that Mega Life and Health Insurance’s coverage options can be limited, especially for those with pre-existing conditions or who require specialized care.
  • Confusing policies: A handful of customers have reported confusion over the terms and conditions of their insurance policies, or have encountered unexpected fees or charges.

Overall, it’s important to note that customer experiences with Mega Life and Health Insurance can vary based on several factors, including the specific insurance policy, the state of residence, and individual circumstances.

It’s always best to thoroughly research and compare insurance options before making a decision.

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Roundup: Mega Life and Health Insurance

In conclusion, Mega Life and Health Insurance is a reputable insurance company that offers a range of health, dental, vision, and life insurance options to individuals and families across several states in the US.

The company’s mission is to provide affordable insurance solutions that meet the unique needs of its customers. While the cost of insurance can vary depending on several factors, Mega Life and Health Insurance are known for offering affordable rates and discounts to eligible customers.

However, customer experiences with the company can vary, with some customers reporting positive experiences and others reporting challenges with customer service or limited coverage options.

Overall, Mega Life and Health Insurance is a solid option for those in need of affordable health insurance coverage, and it’s always best to do thorough research and comparison shopping before making a final decision.

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