FAQs for Individual and Family Major Medical Plans

General Information

Q: If my plan will be terminating, why am I receiving a rebate check?

The rebates are based on your coverage from the prior year. Eligible policyholders with active coverage in 2015 will receive rebates if the insurance company didn’t meet the minimum Medical Loss Ratio (MLR) for 2015. 

Q: Is everyone with an Assurant Health plan affected by the exit from the health insurance market?

All customers in all states with an Individual/Family Major medical plan, Group Fully Insured plan, and Assurant Health Access plan will be affected by Assurant Health’s exit.

Q: What do I need to do now to maintain coverage for 2017?

If your plan with us ends sometime in 2016: You can select another major medical plan during Open Enrollment beginning November 1, 2016 and ending January 31, 2017. If you would like your new coverage to become effective on January 1, 2017, you must apply for a new plan by December 15, 2016.

  • Be aware that if you were to terminate your major medical coverage prior to Open Enrollment without a qualifying life event, you may not be able to purchase other coverage until the next enrollment period and you may be subject to a tax penalty for the months you and your family members are without coverage. 

Q: What does this notice mean for my medical plan?

Your health insurance coverage will terminate on the date included in the letter we sent you. Until the termination date, your plan will continue to operate as usual. You may continue to see your doctors and submit claims, including for prescriptions, incurred while your plan is active. Claims will be processed according to the terms of your contract.

If you need assistance with claims or have questions about your plan benefits, our customer care team is here to help you. You can reach us by calling the phone number in the letter or on the back of your ID card.

Note: Please refer to your policy contract for information about time frames to submit claims incurred while your plan is active.



Cancelling Your Plan

Q: Do I have to contact Assurant Health if I want to terminate my plan earlier than the termination date in my letter?


If you choose to terminate your plan before the termination date provided in your letter, you would need to contact Assurant Health.
Reminder: You also may consider shopping for other major medical coverage for a January 1, 2017 or later effective date during Open Enrollment which begins November 1, 2016 and ends January 31, 2017. Be aware that if you were to terminate your major medical coverage prior to Open Enrollment without a qualifying life event, you may not be able to purchase other coverage and you may be subject to a tax penalty.