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If you're looking for a small, specialty policy, most likely you'll find it with Assurant Health Insurance. This is a company that dates back to 1892, based in New York, and over the years it has maintained its foothold among insurance industry giants by seeking out specific niches.
If your homeowner's insurance was chosen by your creditor, or if you bought insurance to protect your debts, it might have been through Assurant. Companies that issue extended warranties for a wide variety of products often do so through Assurant. Pre-need funeral insurance is issued by this company. And you will also find a line of family insurance products for health care.
Your options with Assurant Health Insurance include a standard individual or family insurance policy or short-term health insurance. Individual family insurance policies are guaranteed renewable, permanent plans. Pre-existing conditions are covered after a 12-month waiting period.
• The MaxPlan provides the highest lifetime maximum, $3 million, which you can extend to $8 million-a ceiling that most other family insurance plans don't reach. You have the option to choose a co-pay for office visits.
• The CoreMed Plan limits your options a bit. The lifetime maximum benefit is $2 million. And while you can still pick and choose some options, payouts are limited to go along with more manageable premiums.
• RightStart provides basic coverage. It's intended for those who are in danger of losing their family insurance because they can no longer afford the premiums. Benefits are minimized to make the policy affordable for just about anyone.
Assurant Health Insurance also offers a Health Savings Account (HSA) plan, and it's got an interesting little twist on it. An HSA lets you create a savings account that goes hand-in-hand with your health insurance plan. Benefits are similar to those in the MaxPlan, except the deductibles are higher. You gain tax advantages while you save money that you can use on non-covered health costs. The little twist we mentioned comes with the One Decreasing Deductible feature that allows a 10% credit toward your deductible every six months, and credit accumulations that save you as much as 70% in successive plan years.
You can also buy Short Term Health Insurance from Assurant Health Insurance. This coverage might be just the ticket if you're in transition from one job to another or if you're a recent college graduate who is no longer protected by the family insurance umbrella. These policies are intended to remain in place for only six months or less, and no pre-existing conditions are covered. You can renew them under certain conditions, but anything you were treated for under your original policy period will be viewed as a pre-existing condition by Assurant Health Insurance in the renewed policy.
If you've got a family insurance plan from an employer but the blanket of coverage has holes, look into Assurant's SuiteSolutions. You can select a plan that will cover the co-pays and deductible that you're required to pay through your main policy. There are also specialist policies that keep you covered in the event of cancer, accident, critical illness, or other options.
If you feel that your family insurance policy is too costly or leaves you vulnerable to too many gaps, then you will benefit from checking out Assurant Health Insurance policy options.
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