How Assurant Health AccessSM plans work
Unlike Major Medical plans, Fixed-Benefit plans provide set benefits without first having to meet a deductible and additional ways to save before and after you see the doctor or fill a prescription.
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Plans pay set benefits before you pay
Because there is no deductible to meet, Fixed-Benefit plans pay set benefits to help with medical expenses before you pay your bill. Review your plan details before seeking service so that you have a good understanding of what the plan will pay.
Examples of how Assurant Health Access plans pay for covered periods during which you receive medical services.2
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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 because they are not major medical plans. 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 plan limitations and exclusions for more information.
Get a quote to see specific plan benefits, exclusions and limitations.
Note: THIS POLICY PROVIDES LIMITED BENEFITS.
Coverage is renewable provided there is compliance with the plan provisions, including dependant 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.
1Customers will be reimbursed by Assurant Health for costs exceeding the quoted price range, provided they receive services for the procedure code shown, from the doctor listed, and for which their First Health Network discounts apply. This price guarantee is good for services received up to 30 days after the date Assurant Price Check provides pricing. Guarantee is not available in Georgia.
2Plan benefits vary by state. Examples are provided for illustrative and educational purposes only. Medical claims are based on 2011 Assurant Health Access claims data. Network discounts and HPA savings may vary. Your own situation and health cost may vary depending on many factors, including your health history and demographics.