ASH is one of the nation’s leading complementary health care benefits organizations. ASH provides benefit programs, health education programs, and health-related products, administering benefit programs for 12.1 million members and affinity discount programs for over 80 million members. ASH is the parent company of the companies listed below, which are all wholly owned subsidiaries of ASH.

ASH Plans is a specialized health plan for chiropractic and acupuncture benefit programs in the state of California. ASH Plans provides chiropractic and acupuncture benefit programs to full-service health plans and employer groups. ASH Plans was licensed as a Knox-Keene plan in 1994, covers over 4 million members/insured, and is California’s third-largest specialty health plan.

ASH Networks is the backbone of ASH’s administrative capabilities. It provides most of our administrative services and contracts our provider network nationwide. ASH Networks is a third-party administrator for complementary health care benefits for self-funded employers, insurance carriers, and health plans in more than 30 states.

ASH Insurance, formerly known as Western Diversified Life Insurance Company, is a health insurance company domiciled in Illinois and licensed or admitted in 42 states. ASH Insurance provides complementary health benefit programs to health plans and employers in states where allowed. ASH Insurance was acquired by ASH in 2001.

Healthyroads is an obesity management, tobacco cessation, and disease prevention program offering health education programs that empower members/insured to take better care of themselves and achieve healthier lifestyles. The Healthyroads for Living education program includes telephone and e-communication services through trained Healthyroads educators, proprietary educational workbooks and modules for specific health care needs, and an integrated Web site, Healthyroads.com®. Healthyroads also offers mail-order/e-commerce with discounts on over 2,500 health products.

ASH Networks-SD performs third-party administration and clinical services evaluation (utilization management) in the state of South Dakota. ASH Networks-SD also contracts directly with South Dakota providers for our complementary health care network.

ASH IPA-NY contracts with licensed health plans in the state of New York on a delegated, at-risk basis for the provision of complementary health care benefit programs.

ASH Clearinghouse receives information from providers, formats it to make it consistent with HIPAA regulations, and forwards it to the ASH affiliate for processing.

ASH systems assumes delegated risk for complementary health care benefit programs in most states, based on approvals from local regulators (such as the Department of Insurance), by contracting directly with health plans and insurance companies. ASH Systems utilizes ASH Networks’ contracted providers, third-party administrative services and clinical services evaluation (utilization management), and is sometimes referred to as a health services intermediary.