Compare Health Insurance Plans

See how our Fixed-Benefit insurance and
Major Medical insurance plans differ

Finding the right health insurance plan means knowing your options. Compare our Fixed-Benefit Insurance and Major Medical Insurance plans to understand which is best for you.


Fixed-Benefit Insurance

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Major Medical Insurance

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Type of Coverage:

Assurant Health Access®, a fixed-benefit plan, pays set cash amounts to help with everyday medical expenses and more, regardless of the actual cost of the services.

Understand how Fixed-Benefit insurance is different

Our Major Medical plans help pay for covered medical services according to the plan design, based on the deductible, coinsurance and copay chosen.

For you if:

You are looking for coverage for the probable health care needs of today.

You want coverage for everyday medical expenses and “what ifs” like cancer, heart attack, accident or injury.


No deductible.

Various deductibles available.

Plan Choices:

Three plans to choose from with varying benefit levels and premiums, all with the ability to add Dental, Accident or Critical Illness insurance to each.

A variety of plan options that let you choose how much you want to spend in premium and how much you want to plan to cover. Dental, Accident or Critical Illness insurance can be added to each.

Plan availability:

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

Plans available during open enrollment (plans available year round in Nevada1). For those with a qualifying life event, plans are available through a special enrollment period. Learn more.

Minimum Essential Coverage:

Not Minimum Essential Coverage.
Learn More

Minimum Essential Coverage.
Learn More


Preventive Care:

Fixed-cash benefits on annual exams, well-child care, immunizations, and more up to the calendar year maximum.

Many wellness benefits and screenings are paid at 100% before you meet your deductible.2

Network Providers:

Get access to network discounts by using First Health Network. Check to see if your doctor is listed.

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

Everyday Needs:

Fixed-cash benefits for office visits, retail clinics and urgent care. Plus prescription benefits and discounts on network providers.

Covers everyday needs subject to deductible and coinsurance. Network discounts, copay options and limited out-of-pocket expenses.

Hospitalization and Surgical Benefits3:

Fixed-cash benefits for many inpatient and outpatient hospitalization and surgical services.

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

Lifetime Maximum:

Choice of $1-3 million.

No lifetime benefit limits.

Pre-Existing condition limitation4:

This plan does not pay benefits for conditions related to or caused by a pre-existing condition until you have been continuously covered for 12 months.

There are no pre-existing condition limitations. These plans are guarantee issue, which means that comprehensive coverage is offered to everyone, regardless of health status.


Network Discounts:


Receive network discounts even after you meet your benefit limit.


No annual or lifetime benefit limits.

Patient Care:



Health Payment Advocates:


Not available with this plan.

Health Savings Account:

Not available with this plan.

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

Monthly Premium/ Starting Price:

$7100per mo

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$18357per 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
>>Fixed-Benefit Insurance

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

1For Nevada residents: 2014 Major Medical plans can be purchased year round without a qualifying life event. If you apply without a qualifying life event, your coverage will begin on the first day of the month after 90 days from the date you applied.
2 Preventive services recommended under the Affordable Care Act are paid at 100% when using in-network doctors; additional preventive services paid subject to deductible and coinsurance. Varies by state.
3For Assurant Health Access, this must be an acute care facility.
4Varies by state.


Assurant Health Insurance – Get a Quote

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Friday: 7 a.m. - 7 p.m.

Saturday: 8:30 a.m. - 5 p.m.

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

All times Central

Health Care Reform

Learn more about which Assurant Health plans are available outside open enrollment.

Purchasing outside open enrollment

Learn more about reform

Fixed-Benefit Insurance

Plans that help pay for everyday health care needs with fixed benefits.

Quote Assurant Health Access


Major Medical Insurance

Coverage for everyday medical expenses and “what ifs” like cancer, heart attack, accident or injury.

Quote Major Medical


Temporary Insurance

Choose from 30 to 360 days of short term insurance. Length of coverage available varies by state.

Quote Temporary Insurance


More Plan Options

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