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 that's available throughout the year. 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.
- 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 – coverage for everyday and "what ifs"
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 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.
Plans available during special enrollment when you have a life event (available year round in Nevada3). Learn more.
Does this sound like the coverage you’re looking for? Get a Major Medical 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
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.
Minimum Essential Coverage requirements vary by plan type. Get a quote to see how these requirements apply to specific plans.
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.
3For 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.