Understanding Fixed-Benefit Insurance

All Assurant Health Access^SM plans are fixed-indemnity plans with set benefits. This means they are not major medical insurance plans. These benefits are paid in specific amounts to you or your provider for covered events without regard to the costs of services rendered. If you elect to have your plan pay the provider directly instead of paying you a set cash amount, you’ll get access to network discounts.

Unlike other health plans, you may be responsible for the difference between the physician charge and the plan benefit payment. Call Patient Care to help maximize your plan’s benefits; Contact Health Payment Advocates for help negotiating discounts and payment plans on amounts you may owe.