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In business since 1892, Assurant Health (www.assuranthealth.com)
is the brand name for products underwritten and issued by three
companies: Time Insurance Company, John Alden Life Insurance Company
and Union Security Insurance Company. These three companies together
provide health insurance coverage for more than one million people
all over the United States. Each underwriting company bears the
financial burden for its own insurance products. Among primary products
are individual medical, small group, short term and student health
insurance products, and also non-insurance products and consumer-choice
products such as Health Savings Accounts and Health Reimbursement
Arrangements. With its headquarters in Milwaukee, Assurant Health
has operations offices in Minnesota, Idaho and Florida as well.
It has in its payrolls almost 3,000 employees and it runs sales
offices across the country.
Assurant Health is a top performer in the individual medical insurance
and temporary health insurance markets. Having already covered over
one million lives, Assurant Health's underwriting companies are
one of the leading independent providers of health insurance to
small businesses, individuals and their families. Assurant Health's
legal entities, Time Insurance Company and John Alden Life Insurance
Company have each been rated A- (Excellent) in 2005 by independent
insurance analysts, A.M. Best.
Assurant Health specializes in health insurance for individuals
and families, especially for those who are self-employed, or not
covered by their employers. For more than a century, it has remained
their sole focus. With Assurant Health, one gets benefits like up
to an $8 million lifetime benefit maximum, global coverage, 24 hours-a-day,
freedom to choose doctors and hospitals from extensive networks,
freedom to visit a specialist without referrals, and first-year
Assurant Health offers you a number of attractive plans to choose
from and you should understand each of them to make the right choice.
With a network plan, you take your pick of providers within a large
network of physicians and hospitals offering negotiated rates. As
fees of the providers are low, you have to pay less amount of premiums,
deductibles and co-payments. If you opt for a traditional plan,
you get complete freedom to choose the doctor or hospital you wish,
without incurring any penalty. The flexibility of a traditional
plan comes in handy especially if you live outside a network area.
A Health Savings Account (HSA) plan of Assurant Health consists
of a federally-qualified high deductible plan and a tax-sheltered
HSA. The high deductible plan, with lower rates of premium compared
to a conventional plan, covers bills that exceed the deductible.
Once you open an HAS, you may pay smaller bills and some other expenses
not typically covered by health insurance with pre-tax dollars.
The HAS funds roll over from year to year free of tax.
With Assurant Health, you have a choice of employer-sponsored plans
designed for businesses with 2 to 50 employees. There are plans
such as Consumer Choice Plans, Major Medical, Healthy Lifestyle
Plans, International Medical Plans and also Discount Plans. Assurant
Health is known for sound health insurance protection, customized
coverage to meet insurer’s needs and budget, extensive provider
networks, and prompt and fair payment of claims.