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News Release

New Jersey Department of
Banking and Insurance

Commissioner Tom Considine

For Immediate Release:
June 16, 2010

For Further Information:
Ed Rogan or Marshall McKnight (609) 292-5064

Health Insurance Scam Victims Must File Claims Now


TRENTON – New Jersey Department of Banking and Insurance Commissioner Tom Considine today  urged state residents who purchased health insurance through the Tennessee-based health trade associations, American Trade Association, Inc., American Trade Association LLC, Smart Data Solutions, LLC and Serve America Assurance, to file unresolved claims immediately through the Tennessee Department of Commerce and Insurance, which has closed those insurers down and begun liquidation proceedings against them. The filing deadline is Aug. 31 and details are below.

“It is very important that anyone in New Jersey, or any other state, who may have been defrauded by these organizations file claims right away,” Considine said. “I want to make sure that anyone who has a legitimate claim receives the payment that is due them or their health provider.”

Tennessee authorities said the four trade associations represented themselves as legitimate health plans when they were not backed by licensed carriers and marketed unregulated, limited-benefit “discount” programs which they represented as legitimate “affordable” health coverage to consumers in numerous states through the Internet and direct mail.

The Tennessee Department of Commerce and Insurance is requesting outstanding proof of claims on or before 4:30 p.m. Central Time, August 31, 2010. Information on how to file a claim can be found at If you need further assistance, contact the Department at 1-800-446-7467.

Any coverage for insurance or other benefits with these firms expired at 11:59 p.m. Central Time on May 31, 2010. Those with memberships provided by these firms are encouraged to replace those policies with ones issued by licensed carriers. Tennessee authorities say that members of these trade groups received letters on moving their health insurance plans. There is no approved roll-over from these plans to any other membership association for health insurance.

More information on the liquidation of these firms can be obtained by e-mailing

OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
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