Fixed-Benefit Insurance for Individuals and Families

Affordable health insurance plans with
no deductible to meet.

Fixed-Benefit plans available for purchase until December 15, 2014.

Fixed-Benefit insurance plan details

With Fixed-Benefit insurance, you can choose from three Assurant Health Access® plan options — Value, Fundamentals or Enhanced — that range in benefit levels for preventive services and unexpected illness and injury. Get a quote to see specific plan details for each Assurant Health Access plan.

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Monthly Premium

Individual coverage starting at:

Family coverage starting at:

Plan Features (range of plan features shown, specific plan benefits depend on plan chosen)


No deductible to meet!

Office Visits

Plan pays $50-$75 per day on which an office visit occurs
2-6 benefits per calendar year

Prescription Drugs

All plan levels provide discounts on prescriptions.
Fundamentals and Enhanced plans also provide cash benefits for both brand and generic prescriptions.

Inpatient and Outpatient Surgery

100% to 150% of 2010 Medicare physician fee schedule rates

Outpatient Maximum

Plan pays $1,000 to $3,000 per year

Emergency Room/Urgent Care

Value and Fundamentals plans:
$150-$250 per period on which a visit occurs
1 benefit per calendar year

Enhanced plans:
$400 per period on which an ER visit occurs
$100 per period on which an urgent care visit occurs
1 ER benefit and 1 urgent care benefit per calendar year

Inpatient Hospitalization Confinement

Sickness: $1,000 to $3,000 per day
Injury: $2,000 to $6,000 per day
Maximum: $200,000 to $1 million per year

Lifetime Maximum

$1 million to $3 million

Plan Availability

Plans available year round. Open enrollment does not apply to these plans.

Plan Limitations and Exclusions

These plans pay set cash amounts to help with medical expenses (subject to calendar year maximums). These benefits are paid in specific amounts for covered periods without regard to the cost of services rendered. You may have amounts left to pay after your plan pays the fixed benefit.

Also, these plans do not meet Minimum Essential Coverage requirements and you may need to pay a tax penalty depending upon your income level and the cost of plans available. See if a tax penalty applies to your situation.

See the general summary of plan limitations and exclusions for more information. If you live in Arizona, see Arizona-specific plan limitations and exclusions.

As you select a plan, please check the specific benefits, limitations and exclusions listed as these may vary by state. To learn more about these plans, get a quote or talk to your agent.


Coverage is renewable provided there is compliance with the plan provisions, including dependent eligibility requirements; there has been no discontinuation of the plan or Assurant Health’s business operations in this state; and/or you have not moved to a state where this plan is not offered. Assurant Health has the right to change premium rates upon providing appropriate notice.


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