Assurant Health Plan Designs

Get to know the Assurant Health Plans and Options Compare Assurant Health's Comprehensive Health Insurance Plans The chart below compares the three comprehensive health insurance plans offered by Assurant Health. MaxPlanSM If you want the most extensive coverage -- and the most choices -- consider Assurant Health Max Plan. It gives you the security of $3 million in lifetime benefits with the option to buy up to the $8 million level -- one of the highest benefit amounts available. And, if you select the unlimited office visit copay benefit, you'll have the convenience of knowing what you'll spend each time you see a network doctor. CoreMedSM Plan If you want broad coverage at the best value, CoreMed is for you. It's the most cost-effective plan for both everyday and catastrophic needs. You'll be able to control your premiums without giving up benefits, and you can still choose to add optional features, like an office visit copay, for more protection and convenience. Providing $2 million in lifetime benefits -- with the option to buy up to $6 million -- CoreMed offers quality and flexibility. OneDeductibleSM HSA Plan If you want the most innovative approach to health insurance, an HSA Plan is the answer. An HSA Plan includes a high deductible health insurance plan and a tax-favored Health Savings Account (HSA). The insurance plan protects you from the large medical bills that accompany a serious accident or illness, and the HSA lets you pay everyday medical expenses with tax-free funds. It's a combination that puts you in control of your health care dollars, provides you with tax advantages and makes protecting your family and yourself more affordable. OneDeductibleHSA provides extensive coverage, offering the simplicity and convenience of a single, common deductible for all members of the family. And with OneDeductible, you'll get the security of $3 million in lifetime benefits -- with an $8 million buy-up option. (OneDeductible is also available without the HSA option.) MaxPlanSM CoreMedSM Plan OneDeductibleSM HSA Plan Plan Design Unless otherwise noted, all deductibles, maximums and benefit amounts are applied per person and are reset each January 1. Individual Deductible Amount you pay toward covered expenses before the plan pays benefits $500, $1,000, $1,500, $2,500, $5,000 or $10,000 $500, $1,000, $1,500, $2,000, $3,000, $5,000 or $10,000 Individual Plan: $1,100, $1,600, $2,100, $2,700, $3,750, or $5,000 Family Deductible Family deductible maximum is two times the individual deductible and is met collectively by two or more persons. Family Plan: $2,200, $3,200, $4,200, $5,400, $7,500 or $10,000 per family. Benefit Percentage Percentage of covered expenses the plan pays after the deductible is met 100%, 80%, 70%, or 50% 80%, 70%, or 50% 100%, 80%, or 50% Coinsurance Percentage of covered expenses you pay after the deductible is met 0%, 20%, 30% or 50% 20%, 30% or 50% 0%, 20% or 50% Coinsurance Out-of-Pocket Maximum* After this maximum is met, the plan pays 100% of covered expenses $0 to $7,500 depending on coinsurance $1,250 to $7,500 depending on coinsurance $0 to $2,500 depending on coinsurance Outpatient Services Maximum The annual maximum amount the plan pays toward outpatient services No Maximum -- the medical insurance plan pays benefits up to the lifetime benefit maximum No Maximum -- the medical insurance plan pays benefits up to the lifetime benefit maximum No Maximum -- the medical insurance plan pays benefits up to the lifetime benefit maximum Annual Maximum The total annual maximum amount the plan pays No Maximum -- the health insurance plan pays benefits up to the lifetime benefit maximum No Maximum -- the health insurance plan pays benefits up to the lifetime benefit maximum No Maximum -- the health insurance plan pays benefits up to the lifetime benefit maximum Lifetime Benefit Maximum The total maximum amount the plan pays $3 million or $8 million $2 million or $6 million $3 million or $8 million Get A Quote Quality Health Insurance plans for you and your family Outpatient Benefits Benefits are subject to deductible and coinsurance unless otherwise noted. Prescription Drugs - Generic $15 copay (no deductible) $15 copay (no deductible) Covered (deductible and coinsurance apply). Prescription Drugs - Brand name $500 deductible / $25 copay + 20% coinsurance (Family deductible maximum is $1,000 and is met collectively by two or more persons) $500 deductible / $25 copay + 50% coinsurance (Family deductible maximum is $1,000 and is met collectively by two or more persons) Covered (deductible and coinsurance apply). Preventive Services Mammograms, Pap smears and PSA screening Covered from the first day Covered after you have been insured for 12 months. Covered from the first day Other preventive services, office visits and immunizations Up to $750 in benefits -- available from the first day - Copay, if selected, applies to office visits and immunizations Up to $500 in benefits -- after you have been insured for 12 months - Copay, if selected, applies to office visits and immunizations Up to $500 in benefits -- available from the first day - Optional First-Dollar Preventive Services Benefit. Office Visits Covered Covered Covered Office Visit Copay Optional benefit $35 copay per network office visit -- no limit on visits - Visits for illness, injury and preventive services are eligible $35 copay for each of four network office visits per person - Visits for illness, injury and (after 12 months) preventive services are eligible - Additional visits are covered subject to deductible and coinsurance not available. Diagnostic Imaging and Laboratory Services Covered Covered Covered Outpatient Hospital, Surgical Center or Urgent Care Facility Covered Covered - Outpatient facility fee: $0 or $200 per outpatient surgery. Covered Professional Ground and Air Ambulance Covered Covered Covered Emergency Room Covered - $75 emergency room fee -- waived if admitted to the hospital. Covered - $75 emergency room fee -- waived if admitted to the hospital. Covered - $75 emergency room fee -- waived if admitted to the hospital. Health Care Practitioner Services Covered Covered Covered Outpatient Physical Medicine Up to $3,000 in benefits Up to $3,000 in benefits Up to $3,000 in benefits Home Health Care Up to 160 hours Up to 160 hours Up to 160 hours Get A Quote Protect your family with a Comprehensive Health Insurance plan Inpatient Benefits Benefits are subject to deductible and coinsurance unless otherwise noted. Inpatient Hospital Covered Covered - Inpatient facility fee: $0, $200 or $750 per day for first three days of each confinement. ($0 available with $0 outpatient, $200 and $750 available with $200 outpatient) Covered Inpatient Rehabilitation Facility Up to 90 days Up to 90 days Up to 90 days Subacute Rehabilitation and Skilled Nursing Facilities Up to 90 days Up to 90 days Up to 90 days Transplants Covered Covered Covered Behavioral Health and Substance Abuse Inpatient and outpatient benefits are paid at 50% up to $2,500 - Coinsurance does not apply to the out-of-pocket maximum Not covered Inpatient and outpatient benefits are paid at 50% up to $2,500 - Coinsurance applies to the out-of-pocket maximum Optional Features Optional features are available at an additional cost. Optional Benefits and Discount Programs Discount programs are not insurance SuiteSolutions, Office Visit Copay, Maternity Benefit, Accident Medical Expense, Supplemental Life and Dental/Vision Discount Card SuiteSolutions, Office Visit Copay, Maternity Benefit, Accident Medical Expense, Supplemental Life and Dental/Vision Discount Card SuiteSolutions, First-Dollar Preventive Services Benefit, Maternity Benefit, Accident Medical Expense, Supplemental Life and Dental/Vision Discount Card Get A Quote See just how affordable Quality Health Coverage can be! :: Top Compare Assurant Health's Basic Health Insurance Plans There's no need to go without Health Insurance! The chart below compares the two most affordable health insurance plans offered by Assurant Health. These plans offer essential benefits for 40%-50% lower premiums as compared to Assurant's comprehensive plans. RightStartSM Plan If you want the peace of mind that health insurance brings at the most affordable price, RightStart fits the bill. You'll get essential benefits for as little as half the price of other popular plans. RightStart is ideal if you are without health insurance or are thinking about dropping your current coverage due to cost. It gives you access to doctors and hospitals -- and you'll benefit from significant discounts on covered medical services SaveRightSM HSA Plan If you want the most innovative approach to health insurance, an HSA Plan is the answer. An HSA Plan includes a high deductible health insurance plan and a tax-favored Health Savings Account. The insurance plan protects you from the large medical bills that accompany a serious accident or illness, and the HSA lets you pay everyday medical expenses with tax-free funds. It's a combination that puts you in control of your health care dollars, provides you with tax advantages and makes protecting your family and yourself more affordable. SaveRight HSA gives you essential coverage for as much as 40% less than the OneDeductible Plan. Use your premium savings to fund your HSA, and you'll make the most of this revolutionary plan. RightStartSM Plan SaveRightSM HSA Plan Plan Design Unless otherwise noted, all deductibles, maximums and benefit amounts are applied per person and are reset each January 1. Individual Deductible Amount you pay toward covered expenses before the plan pays benefits $500, $1,000 or $2,500 $2,000, $3,000 or $5,100 Family Deductible Family deductible maximum is three times the individual deductible and is met collectively by three or more persons. Family deductible maximum is two times the individual deductible and is met collectively by two or more persons. Benefit Percentage Percentage of covered expenses the plan pays after the deductible is met 75% or 50% 100%, 75%, or 50% Coinsurance Percentage of covered expenses you pay after the deductible is met 25% or 50% 0%, 25% or 50% Coinsurance Out-of-Pocket Maximum* After this maximum is met, the plan pays 100% of covered expenses $2,000 with the 50% coinsurance plan $3,000 with the 25% coinsurance plan $0 to $3,000 depending on coinsurance Outpatient Services Maximum The annual maximum amount the plan pays toward outpatient services $2,500, $5,000 or $10,000 (All outpatient benefits are subject to this maximum.) $15,000 or $25,000 (All outpatient benefits are subject to this maximum.) Annual Maximum The total annual maximum amount the plan pays $50,000, $100,000 or $250,000 (All benefits are subject to this maximum.) No Maximum>/b> - the plan pays inpatient benefits up to the lifetime benefit maximum. Lifetime Benefit Maximum The total maximum amount the plan pays $2 million $2 million Get A Quote Quality Health Insurance plans for you and your family Outpatient Benefits Benefits are subject to deductible and coinsurance unless otherwise noted. Prescription Drugs - Generic $15 copay (no deductible) - $2,000 maximum for brand and generic combined - Buy-up option: annual maximum amount for brand and generic combined Covered (subject to deductible and coinsurance) - $2,000 maximum for brand and generic combined - Buy-up option: lifetime maximum amount for brand and generic combined Prescription Drugs - Brand name $500 deductible / $25 copay + 50% coinsurance (Family deductible maximum is $1,000 and is met collectively by two or more persons) - $2,000 maximum for brand and generic combined - Buy-up option: annual maximum amount for brand and generic combined Covered (subject to deductible and coinsurance) - $2,000 maximum for brand and generic combined - Buy-up option: lifetime maximum amount for brand and generic combined Preventive Services Mammograms, Pap smears and PSA screening Covered after you have been insured for 12 months. Covered after you have been insured for 12 months. Other preventive services, office visits and immunizations Up to $500 in benefits -- after you have been insured for 12 months. - Copay, if selected, applies to office visits and immunizations Covered after you have been insured for 12 months Office Visits Covered Covered Office Visit Copay Optional benefit $25 copay for each of two network office visit per person - Visits for illness, injury and (after 12 months) preventive services are eligible - Additional visits are covered subject to deductible and coinsurance Not available Diagnostic Imaging and Laboratory Services Covered Covered Outpatient Hospital, Surgical Center or Urgent Care Facility Covered Covered - Outpatient facility fee: $0 or $200 per outpatient surgery. Professional Ground and Air Ambulance Up to $1,000 for one trip Up to $1,000 for one trip Emergency Room Covered - $75 emergency room fee -- waived if admitted to the hospital. Covered - $75 emergency room fee -- waived if admitted to the hospital. Health Care Practitioner Services Covered Covered Outpatient Physical Medicine $50 per visit for up to two visits - Chiropractic not covered $50 per visit for up to two visits - Chiropractic not covered Home Health Care Not covered Not covered Get A Quote Protect your family with a Comprehensive Health Insurance plan Inpatient Benefits Benefits are subject to deductible and coinsurance unless otherwise noted. Inpatient Hospital Covered Covered Inpatient Rehabilitation Facility $100 per day for up to 50 days $100 per day for up to 50 days Subacute Rehabilitation and Skilled Nursing Facilities Up to 30 days Up to 30 days Transplants Covered Covered Behavioral Health and Substance Abuse Not covered Not covered Optional Features Optional features are available at an additional cost. Optional Benefits and Discount Programs Discount programs are not insurance SuiteSolutions, Office Visit Copay, Accident Medical Expense and Dental/Vision Discount Card SuiteSolutions, Accident Medical Expense and Dental/Vision Discount Card Get A Quote See just how affordable Quality Health Coverage can be! :: Top