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.
Type of Coverage:
Assurant Health AccessSM, 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.
Various deductibles available.
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.
Minimum Essential Coverage:
Not Minimum Essential Coverage.
Minimum Essential Coverage.
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.1
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.
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 Benefits2:
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.
Choice of $1-3 million.
No lifetime benefit limits.
Pre-Existing condition limitation3:
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.
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
For Arizona residents, state-specific limitations and exclusions pertain to the following plans:
>>Major 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.
1Preventive 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.
2For Assurant Health Access, this must be an acute care facility.
3Varies by state.