Knowing what you’ll have to pay upfront as well as what you’ll have to pay out of pocket is a large part of deciding which affordable health plan is right for you. Here we break down the basic differences in value between our Fixed-Benefit and Major Medical insurance plans.
Fixed-Benefit Insurance - immediate benefits and no deductible
Assurant Health AccessSM is a different kind of plan. With this fixed-benefit plan, you won’t have to pay a deductible, and network discounts and benefit payments start right away.1 Unlike many health plans it pays a set cash amount, regardless of actual costs, to help with medical services like doctor’s visits, urgent care, inpatient hospitalization and more.2
It’s important to know that although this affordable health plan pays benefits for covered periods without you having to first meet a deductible, you'll still be responsible for the difference between the provider charge and the set amount the plan pays. To help offset potential costs, you’ll get access to experts who can help you save more with services like:
- Find a quality, affordable doctor: To maximize savings, this plan includes access to Patient Care. These independent advocates can give you cost and quality information on doctors and facilities so you can choose one for your budget and specific needs.
- Get help with additional expenses: In addition to network discounts, you can get further assistance after the medical service takes place by calling our Health Payment Advocates. They can help you negotiate payment plans on amounts that you may owe after you have received services.
Is a fixed-benefit plan the right choice for you? Get an Assurant Health Access Quote
Major Medical Insurance – broad financial protection and deductible options
With Assurant Health’s Major Medical plans, there are multiple ways to customize your plan to suit your needs. You can choose from various deductible and coinsurance levels, copay options and the ability to add a health savings account. No matter the plan, you’ll get the broad medical and financial protection that comes with having a major medical plan.
Here are two scenarios to help you figure out what deductible would work best for you.
- Scenario 1 – Lower Out-of-Pocket Limit/Higher Premium:
You may not go to the doctor that often, but you worry about what could happen to you in the next year. You feel more comfortable with a plan that has a lower out-of-pocket limit and a higher monthly premium so you can worry less if something does happen to you.
- Scenario 2 – Higher Out-of-Pocket Limit/Lower Premium:
For you, having a lower monthly premium makes sense because you rarely go to the doctor. You’re willing to accept the responsibility of paying more out-of-pocket expenses and have the funds to pay if you need medical treatment.
Does this sound like the broad coverage you’re looking for? Get a Major Medical Quote
Minimum Essential Coverage requirements vary by plan type. Get a quote to see how these requirements apply to specific plans.
Plan limitations and exclusions vary by plan. To see specific plan benefits, renewability provisions, limitations and exclusions for your situation, get a quote.
1This 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.
2Hospital must be an acute care facility.