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 you or your provider when you receive particular services, no matter what the service actually costs.
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 want help with immediate expenses and access to the health care system.
You want broad medical and financial protection and have the ability to cover a deductible and other out-of-pocket costs.
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.
Two plans to choose from with varying premiums and many flexible plan options, all with the ability to add Dental, Accident or Critical Illness insurance.
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
Get access to network discounts by using First Health Network. Check to see if your doctor is listed.
Select the network of your choosing when you get a quote. From here, you’ll be able to find the network that works best for you.
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.
Broad 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 limitation4:
Treatment for pre-existing conditions is included after the first 12 months of the plan.
Treatment for pre-existing conditions is included after the first 12 months of the plan. Any previous or current health condition or symptom not fully disclosed on the application will be considered a pre-existing medical condition.5
1All plans are subject to pre-existing condition limitations.
2Immediate coverage paid at 100% for preventive services mandated by the Patient Protection and Affordable Care Act; 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.
5Enrollees under the age of 19 are not subject to the pre-existing condition limitation.