Compare Health Insurance Plans

See how our Major Medical Insurance plans and
Short Term Medical Insurance plans differ


Finding the right health insurance plan means understanding your options. Compare our Major Medical Insurance plans and our Short Term Medical Insurance plans to learn which is the best fit for your situation.

   

Short Term Medical Insurance1


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Major Medical Insurance


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Deductible:

Individual plan deductibles range from $1,000 to $5,000.

Get a quote to see what individual and family plan deductibles are available in your state.

Individual annual plan deductibles range from $0 to $6,000.

Get a quote to see what individual and family plan deductibles are available in your state.

Plan Choices:

A variety of plan options that let you choose how much you want to spend in premium and how much you want the plan to cover.

Save 20% when you make a one-time, up-front payment. You also have the option to pay month to month.

A variety of plan options that let you choose how much you want to spend in premium and how much you want the plan to cover.

Plan Availability:

Plans are available throughout the year as open enrollment does not apply to these plans.

Plans available now during open enrollment.

Minimum Essential Coverage:

Not Minimum Essential Coverage.
Learn more

Minimum Essential Coverage.
Learn more

Length of Coverage and Renewability:

Coverage is available for as little as 30 days up to 180 days in some states. Length of coverage available varies by state.

These plans are not renewable. However, if your temporary need continues beyond your coverage period, you may apply for a new plan, as long as there have been no significant changes in your health.

These plans renew annually.
Learn more

 

Preventive Care:

These plans do not pay for preventive services.

These plans pay 100% of preventive services under the Affordable Care Act when you use in-network doctors.2

Network Providers:

Short Term Medical plans are not part of a network, however, one of the perks of these plans is that if you visit a doctor in the Private Healthcare Systems (PHCS) Network, you will receive a 20-35% discount, on average.

Policyholders are able to keep their preferred doctors and hospitals, and they will not be penalized, regardless of which doctor or office they do decide to visit.

Please note, Private Healthcare Systems (PHCS) Network is not available in Rhode Island.

Each plan includes network providers specific to your area. Look for doctors or hospitals in your area.

Hospitalization and Surgical Benefits:

Coverage for inpatient and outpatient hospital and surgical services. Subject to deductible and coinsurance.

Coverage for inpatient and outpatient hospital and surgical services. Subject to deductible and coinsurance.

Lifetime Maximum:

$2 million lifetime benefit limit.

No lifetime dollar limits.

Pre-Existing Condition Limitation3:

Treatment for pre-existing conditions is excluded.

If you need coverage for pre-existing conditions, you should consider COBRA or a Major Medical insurance plan that is Minimum Essential Coverage.

These plans cover pre-existing conditions. Plans are also guarantee issue, which means that comprehensive coverage is offered to everyone, regardless of health status.

Health Savings Account:

Short Term Medical plans are not HSA-compatible.

Select Major Medical plans are HSA-compatible. Look for the HSA icon when you get a quote.

Monthly Premium/ Starting Price:

Individual coverage starting at:

$5679per mo

Get a Quote

Individual coverage starting at:

$22385per mo

Get a Quote



Important Information Regarding Plans Offered:

We want you to understand these plans and the coverage they provide. To help you do that, it's important that you know what is covered by the plans shown here.

General summary of limitations and exclusions for the following plans (summary applies to most states where plans are offered):
>>Major Medical Insurance
>>Short Term Medical Insurance

For Arizona residents, state-specific limitations and exclusions pertain to the following plans:
>>Major Medical Insurance
>>Short Term Medical Insurance

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.



1Short Term Medical plans do not cover preventive services or pre-existing conditions. If you need coverage for pre-existing conditions, you should consider COBRA or a major medical insurance plan that is Minimum Essential Coverage.

2 Preventive services recommended under the Affordable Care Act are paid at 100% when using in-network doctors; some additional preventive services paid subject to deductible and coinsurance. Varies by state.
3Varies by state.

AH1105-11152014

Assurant Health Insurance – Get a Quote

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Sunday: 11 a.m. - 7:30 p.m.

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Health Care Reform

Major Medical plans are now available during open enrollment.

Learn more about open enrollment

Learn more about reform

 

Major Medical Insurance

Coverage for preventive care, everyday care and unexpected illnesses and accidents

Quote Major Medical

 

Temporary Insurance

Short Term Medical plans cover unexpected illnesses and accidents - you choose the length of coverage.

Quote Temporary Insurance

 

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800-647-9094

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