To choose the best health insurance plan, you need to understand what different plans offer and what their benefit and cost trade-offs are. No matter what your individual needs, Assurant Health has the right plan:
 Network Plans – With a network plan, you take your pick of providers within a large network of physicians and hospitals offering negotiated rates. The providers' reduced fees lead to lower premiums, deductibles and copayments for you.
Traditional Plans – A traditional plan offers you complete freedom to choose the doctor or hospital you wish, without penalty. The flexibility of a traditional plan makes the most sense if you live outside a network area.
Health Savings Account (HSA) Plans – A Health Savings Account (HSA) plan consists of a federally qualified high-deductible health insurance plan and a tax-sheltered HSA. The high-deductible plan, which costs less in premium compared to a conventional plan, covers bills that exceed the deductible. You may pay smaller bills and some other expenses not typically covered by health insurance with pre-tax dollars if you set up an HSA. HSAs also help you save for your future needs since the funds roll over from year to year tax-free.
Health Benefits Direct provides free major medical insurance quotes from highly rated companies like Assurant Health. We can help you determine if Assurant Health offers affordable major medical insurance coverage in your area. If Assurant Health issues major medical insurance plans in your area, our licensed insurance agents can review the costs, benefits and terms with you.
Assurant Health is the brand name for products underwritten and issued by Time Insurance Company. Time Insurance Company was established in 1892 and is rated "A-" (Excellent) by A.M. Best*, one of the nation’s leading industry analysts. An "A-" rating signifies financial strength and an ability to meet obligations to policyholders.
Some exclusions and exceptions apply. Benefits may differ or not be available in some states. Plan availability and duration vary by state. Plan exclusions vary by state.
*AM Best Rating and Analysis, June 2007.
|
