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Assurant Health Plans.
Compare benefits, Make choices. Build your own plan
Regardless of the selections you make, you can count on many important built-in features. Your plan comes with coverage for the following medical services: (click for more detail)
:: Prescription Drugs
:: Preventative Services
:: Office Visits
:: Imaging and Laboratory Services
:: Outpatient Hospital, Surgical Center and Urgent Care Facilities
:: Professional Ground and Air Ambulance
:: Emergency Room
:: Health Care Practitioner Services
:: Outpatient Physical Medicine
:: Inpatient Hospital
:: Transplants
:: Complications of Pregnancy
:: Additional Covered Services
Prescription Drugs
With the MaxPlan, CoreMed Plan or RightStart Plan, you pay only $15 each time you fill a generic prescription at a participating pharmacy. Under all plans, coverage is for the price of generics -- or for the price of brand name prescriptions when a generic equivalent is not available -- at a participating pharmacy.
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Preventative Services
Includes mammograms, Pap smears and PSA screening -- with no special limits -- as well as benefits up to $500 ($750 for MaxPlan) for other preventative services including physical exams, laboratory tests, immunizations, tuberculosis tests and colonoscopies. (The MaxPlan and OneDeductible HSA Plan offer first day preventative services coverage. CoreMed, RightStart and SaveRight plans offer preventative services coverage after 12 months of coverage).
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Office Visits
Includes evaluation, diagnosis and management of illness or injury, and allergy shots. (MaxPlan, CoreMed and RightStart plans offer an Office Visits Copay optional benefit.)
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Imaging and Laboratory Services
Includes x-rays, ultrasounds, CAT scans, MRIs, lab tests and interpretation. (MaxPlan, CoreMed, and OneDeductible HSA Plans have no annual limit on outpatient benefits. RightStart and SaveRight Plans do have an outpatient annual limit.)
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Outpatient Hospital, Surgical Center and Urgent Care Facilities
Includes the services of the facility and miscellaneous supplies. (MaxPlan, CoreMed, and OneDeductible HSA Plans have no annual limit on outpatient benefits. RightStart and SaveRight Plans do have an outpatient annual limit.)
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Professional Ground and Air Ambulance
Coverage is for emergency transportation -- not just to the closest hospital -- but to the nearest hospital equipped to provide appropriate care. (MaxPlan, CoreMed, and OneDeductible HSA Plans have no annual limit on outpatient benefits. RightStart and SaveRight Plans do have an outpatient annual limit.)
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Emergency Room
Includes the services of the facility and miscellaneous supplies. Benefits for covered emergency services are always paid at the higher network benefit percentage -- even if you are out of network!
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Health Care Practitioner Services
Includes the services of doctors, surgeons, assistant surgeons, anesthesiologists, physician assistants and nurses.
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Outpatient Physical Medicine
Includes physical, speech and occupational therapies, cardiac and pulmonary rehabilitation, and treatment of developmental delay. Chiropractics is also covered under the MaxPlan, CoreMed Plan, and OneDeductible HSA Plan. It is not covered under the RightStart and SaveRight HSA Plans)
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Inpatient Hospital
Includes the services of the facility such as semi-private room and board, intensive care (including specialty units such as neonatal and cardiac intensive care) and miscellaneous supplies.
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Transplants
MaxPlan, CoreMed and One Deductible plans cover:
- Kidney, cornea and skin transplants with no special limits
- Transplants such as bone marrow, heart, liver and lung with no special limits when performed at a designated transplant provider -- you and your doctor select a provider from more than 80 facilities nationwide.
- Up to $10,000 toward travel expenses to a designated transplant provider
- Up to $10,000 toward donor expenses.
- Transplants other than kidney, cornea or skin that are not performed at a designated provider -- up to a lifetime benefit maximum of $100,000 per person.
RightStart and SaveRight HSA plans cover:
Transplants up to the applicable annual maximums -- and include up to $10,000 toward donor expenses.
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Complications of Pregnancy
MaxPlan, CoreMed and OneDeductible plans
cover emergency Caesarean section and any sickness associated with pregnancy except hyperemesis gravidarum.
RightStart and SaveRight HSA plans cover medically necessary Caesarean section, ectopic pregnancy, miscarriage, gestational diabetes mellitus and medical conditions distinct from, but adversely affected by, pregnancy.
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Additional Covered Services
- Dental injuries
- Diabetic services
- Durable and personal medical equipment
- Hospice care and related counseling services (inpatient or home care)
- Inpatient rehabilitation
- Parenteral drug therapy
- Reconstructive surgery
- Skilled nursing and subacute rehabilitation facilities
- Sterilization ($500 lifetime maximum)
- Treatment of TMJ/CMJ ($1,000 lifetime maximum)
MaxPlan and OneDeductible HSA plans offer even more!
- Behavioral health and substance abuse
- Home Health Care (also offered in the CoreMed Plan)
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Last updated on: 11/14/2008
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