Assurant Clarity^SM – Plan Details

Finally, health insurance that's simple and affordable. Assurant Clarity offers two plan options to choose from. Network coverage includes:

Deductible Plan

• Deductible – You select the amount you'll pay first – we pay the remainder of your covered charges for the calendar year.
• One family deductible – Only one deductible for the whole family – making it easier to track and meet.
• No coinsurance – We pay 100% of covered charges after you meet your deductible.
• Prescription drugs – Your prescriptions apply toward your medical deductible, so you don't need to meet a separate deductible.
• Wellness visits covered immediately – Many services¹ are covered at 100% right when your policy starts - and additional services are subject to your deductible.
• HSA compatibility – Use the Assurant Clarity plan in conjunction with a Health Savings Account for qualified medical expenses.
• No payments to providers at the time of service – When using Assurant Clarity doctors and hospitals.
• 24-hour access to doctors by phone per call with TelaDoc™.

Zero Deductible Plan

• Out-of-pocket maximum – We pay 50% of your health care costs until you reach the amount you choose to pay each calendar year. Afterward, we pay 100% of covered charges.
• No network medical deductible
• Coinsurance – We pay 50%, you pay 50% – for covered charges up to the out-of-pocket maximum you select above. Afterward, we pay 100% of covered charges.
• Prescription drugs – First, you pay a deductible – $500 for an individual or $1,000 per family – for both generic and brand names at any phramacy you choose. We pay 50% of the remaining charges.
• Wellness visits covered immediately – Many services¹ are covered at 100% right when your policy starts - and additional services are subject to coinsurance.
• No payments to providers at the time of service – When using Assurant Clarity doctors and hospitals.
  
  
• 24-hour access to doctors by phone per call with TelaDoc™.

  ¹ As mandated by the Patient Protection and Affordable Care Act (PPACA). Visit ahrq.gov/clinic/uspstfix.htm for more information or talk with your agent.

  ² Subject to deductible or coinsurance.

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