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Assurant Health Insurance of California
Since 1892, Assurant Health's member of companies have provided health insurance to individuals, families and small businesses. We focus on giving you innovative and affordable options – as well as the freedom to choose your preferred health care providers. Assurant Health of California is built on the cornerstone of consumer choice — providing ongoing flexibility and choices in health insurance financing solutions as well as choice of providers. With more than 200,000 local agents that are dedicated to supporting their customers. Assurant Health has a reputation of integrity in honoring its commitments to customers. On behalf of our valued customers this information was gathered from www.assuranthealth.com on July 30, 2009.
Assurant Health of California Member Highlights Include:
• Assurant Health is a leader in the individual medical health insurance market.
• Assurant Health's underwriting companies are among the top sellers of temporary health insurance in the U.S.
• Assurant Health's underwriting companies are among the leading independent providers of health insurance to small
businesses, individuals and their families, with almost one million covered lives.
• Assurant Health was one of the first to introduce Health Savings Accounts, and its companies continue to be top sellers of
HSAs.
Assurant Health Insurance plans focus on giving innovative and affordable options that allows their customers the freedom of choosing their health care providers. With Assurant Health's strength and stability on your side, you'll not only have the dependable health insurance coverage you need, but the peace of mind you deserve.
Assurant Health of California Individual and Family Plans
Whether you’re self employed, not covered by your employer, or a current student Assurant Health specializes in health insurance for individuals and families like you. With individual and family health plans you will have a wide range of choices. Although you may be healthy today, you never can tell what the future holds and if you wait until you are sick or injured you may not qualify for coverage.
Assurant Health of California Member Highlights Include:
• Up to an $8 million lifetime benefit maximum
• Worldwide coverage, 24 hours-a-day
• Your choice of doctors and hospitals from extensive networks
• No referrals necessary to see a specialist
• First-year rate guarantee
Get an Instant Health California Insurance Quote and Apply Now!
Assurant Health Affordable Health Access Plans
Assurant Health answers your needs with our limited-benefit* plans. Not only are they priced within your reach, they’re packed with value to make sure you get your money’s worth during this time of your life. And, Health Access gives you just that — access —to the health care system, to doctors and other providers, and to discounts.
Assurant Health of California Member Highlights Include:
• Affordability: Choose from three modestly priced plans to find the one that fits your budget and lifestyle.
• Usefulness: These plans cover services you’ll actually use, such as doctors’ office visits, prescriptions, preventive care and
immunizations. Plus, should you need them, you’ll also have hospital benefits with Plans B and C.
• Value: You’ll have first-dollar benefits, copays and no high deductible. And, we’ve partnered with several services to help you
squeeze extra value out of your plan and maximize any limits.
• Accessibility: From zero medical questions on one of the plans, to only two on others, it’s easy to qualify for all Health Access
plans.
• Flexibility: Keep your own doctors, choose individual or family coverage, and add coverage for dental, vision and cancer benefits.
Assurant Health of California Small Group Health Insurance Plans (2-50 Employees)
Assurant Health of California’s small business health insurance plan portfolio provides more than just protection. It gives employers peace of mind. That peace of mind comes from the values we provide our customers: choice, efficiency and responsiveness. Assurant Health and your insurance agent can bring these values to reality in your business:
Assurant Health of California Small Group Plan Highlights Include:
The value of choice – Real ChoicesSM Medical Plans
• When broad choices are available to an employer, there’s more flexibility to create a plan that fits the unique needs of a
business. The Assurant Health small business health insurance plans are fittingly titled Real Choices. Choices abound with
all our plans, whether they are major medical plans, consumer choice plans, or ancillary insurance plans such as dental
insurance, life insurance and short-term disability insurance.
The value of efficiencies – Online Account Management Tools
• Online management efficiencies can save you time. When an employee needs an ID card, wants to add coverage for a new
dependent or wants to know the account balance of a health savings account, your day can easily be disrupted. With our
online management tools, you or your employees can perform all of those tasks in real time and can also research drugs and
health conditions.
The value of responsiveness – Customer Service All Day, Every Day
• Assurant Health is represented by over 70,000 insurance agents nationwide. We all strive to efficiently respond to the needs
of our nearly one million customers. You’ll always have someone to contact when questions arise.
Get an Instant Health California Insurance Quote and Apply Now!
Real Choices Medical Plans
Major Medical
Real Choices I — Real Choices I plans are designed for employers who want to provide extensive coverage. They include many benefit choices, enabling an employer to create a plan that satisfies the unique needs of employees.
Real Choices II — Real Choices II plans offer the most choices. The plans are designed for the employer who wants maximum plan flexibility.
Real Choices III — Real Choices III plans offer coverage that is the most affordable of the three plan choices. They are designed for first-time buyers and employers who want to offer employees basic health insurance coverage.
Real Choices Indemnity — Indemnity plans offer employees complete freedom to choose doctors and hospitals. This plan is best suited for those who live and work outside a PPO network area.
*The above information varies by state.
Assurant Health of California Real Choices Plan Highlights Include:
• All Real Choices plans have first-dollar benefits for preventive medical services from a network provider. Depending on the plan
selected, benefits range from $200 to $1,250 per year. The deductible and copay are waived until the benefit maximum has been
reached.
• Lifetime Maximum Choices — up to $10 million
• Annual Deductible Choices — choose from $0 up to $10,000
• Office Visit Copay Choices — choose from a wide variety of copay options
• Coinsurance Choices — select the amount employees pay after their deductible is met
• Prescription Drug Coverage — broad choice of drug copays, including a $0 copay
Assurant Health of California Consumer Choice Plans
Health Savings Account HSA
An HSA is a tax-free account designed to help individuals save for qualified health expenses that they, their spouse, or their dependents incur. To own a qualified plan, an individual must be covered by a high deductible health insurance plan, with the minimum deductible guidance established annually by the U.S. Department of the Treasury. An employee or employer can make tax-deductible contributions to an HSA and use them to pay for qualified out-of-pocket medical expenses. The employee owns the account and retains ownership even if employment terminates.
Assurant Health of California understands the need to provide your valued employees with solid benefits while improving your bottom line. Click on the Health Savings Account link below to learn more about these innovative plans from Assurant Health.
Assurant Health of California HSA Plan Highlights Include:
• Lifetime Maximum — up to $10 million
• Annual Deductible Choices — Individual: $1,500 up to $5,000; Families: $3,000 up to $10,000*
California PPO network.
• Benefit Percentage Choices — 50% to 100%
• First-dollar coverage preventive care (deductible waived until maximum amount payable is reached)
Get an Instant Health California Insurance Quote and Apply Now!
Health Reimbursement Arrangements (HRA)
The HRA is a health insurance plan arrangement an employer can establish that usually has a higher deductible health insurance plan and may contain provisions that reimburse some of the employees’ out-of-pocket medical expenses. Reimbursement can be made via set contributions to an employer-owned account for each employee, or by reimbursing the employee for medical expenses as they are incurred, to a pre-determined maximum. The employer may also choose to not reimburse any employee medical expenses.
Because the employer determines most of the rules for the HRA health care plan, this method of providing group medical coverage is very popular. Unlike the HSA, if employees terminate and the employer has established a reimbursement account for that employee, the remaining funds, if any, are owned by the business. Click on the Health Reimbursement Arrangement link below to learn more about the HRA plans offered by Assurant Health.
Assurant Health of California HRA Member Highlights Includes:
• Lifetime Maximum — Choices from $2 million to $10 million
• Annual Deductible Choices — Choices from $0 to $10,000 for individual and to $20,000 for family
• Benefit Percentage Choices — Choices from 50% to 100%
Short Term Medical Plans
If you are between jobs, waiting for employer group coverage, laid off, on strike, a recent college graduate, seasonal employee, early retiree or are waiting for Medicare to start, you may be interested in Assurant Health's Short Term Medical health insurance. Short Term Medical is a temporary health insurance plan that offers coverage for 30-360 days.** Assurant Health is the national leader in Short Term Medical (STM) insurance. In fact, Assurant Health introduced the industry's first Short Term Medical plan in 1973.
Student Medical Plans
Student Select is health insurance designed for today's undergraduate and graduate college students. This plan is ideal for single students no longer covered under their parents' health plan, if they live outside their parents' HMO or PPO area, or are considering a college-sponsored plan.
On behalf of our valued customers the above information was gathered from www.assuranthealth.com on July 30, 2009.
Get an Instant Health Insurance Quote and Apply Now!
Assurant Health of California Member Highlights Include:
• Assurant Health is a leader in the individual medical health insurance market.
• Assurant Health's underwriting companies are among the top sellers of temporary health insurance in the U.S.
• Assurant Health's underwriting companies are among the leading independent providers of health insurance to small
businesses, individuals and their families, with almost one million covered lives.
• Assurant Health was one of the first to introduce Health Savings Accounts, and its companies continue to be top sellers of
HSAs.
Assurant Health Insurance plans focus on giving innovative and affordable options that allows their customers the freedom of choosing their health care providers. With Assurant Health's strength and stability on your side, you'll not only have the dependable health insurance coverage you need, but the peace of mind you deserve.
Assurant Health of California Individual and Family Plans
Whether you’re self employed, not covered by your employer, or a current student Assurant Health specializes in health insurance for individuals and families like you. With individual and family health plans you will have a wide range of choices. Although you may be healthy today, you never can tell what the future holds and if you wait until you are sick or injured you may not qualify for coverage.
Assurant Health of California Member Highlights Include:
• Up to an $8 million lifetime benefit maximum
• Worldwide coverage, 24 hours-a-day
• Your choice of doctors and hospitals from extensive networks
• No referrals necessary to see a specialist
• First-year rate guarantee
Get an Instant Health California Insurance Quote and Apply Now!
Assurant Health Affordable Health Access Plans
Assurant Health answers your needs with our limited-benefit* plans. Not only are they priced within your reach, they’re packed with value to make sure you get your money’s worth during this time of your life. And, Health Access gives you just that — access —to the health care system, to doctors and other providers, and to discounts.
Assurant Health of California Member Highlights Include:
• Affordability: Choose from three modestly priced plans to find the one that fits your budget and lifestyle.
• Usefulness: These plans cover services you’ll actually use, such as doctors’ office visits, prescriptions, preventive care and
immunizations. Plus, should you need them, you’ll also have hospital benefits with Plans B and C.
• Value: You’ll have first-dollar benefits, copays and no high deductible. And, we’ve partnered with several services to help you
squeeze extra value out of your plan and maximize any limits.
• Accessibility: From zero medical questions on one of the plans, to only two on others, it’s easy to qualify for all Health Access
plans.
• Flexibility: Keep your own doctors, choose individual or family coverage, and add coverage for dental, vision and cancer benefits.
Assurant Health of California Small Group Health Insurance Plans (2-50 Employees)
Assurant Health of California’s small business health insurance plan portfolio provides more than just protection. It gives employers peace of mind. That peace of mind comes from the values we provide our customers: choice, efficiency and responsiveness. Assurant Health and your insurance agent can bring these values to reality in your business:
Assurant Health of California Small Group Plan Highlights Include:
The value of choice – Real ChoicesSM Medical Plans
• When broad choices are available to an employer, there’s more flexibility to create a plan that fits the unique needs of a
business. The Assurant Health small business health insurance plans are fittingly titled Real Choices. Choices abound with
all our plans, whether they are major medical plans, consumer choice plans, or ancillary insurance plans such as dental
insurance, life insurance and short-term disability insurance.
The value of efficiencies – Online Account Management Tools
• Online management efficiencies can save you time. When an employee needs an ID card, wants to add coverage for a new
dependent or wants to know the account balance of a health savings account, your day can easily be disrupted. With our
online management tools, you or your employees can perform all of those tasks in real time and can also research drugs and
health conditions.
The value of responsiveness – Customer Service All Day, Every Day
• Assurant Health is represented by over 70,000 insurance agents nationwide. We all strive to efficiently respond to the needs
of our nearly one million customers. You’ll always have someone to contact when questions arise.
Get an Instant Health California Insurance Quote and Apply Now!
Real Choices Medical Plans
Major Medical
Real Choices I — Real Choices I plans are designed for employers who want to provide extensive coverage. They include many benefit choices, enabling an employer to create a plan that satisfies the unique needs of employees.
Real Choices II — Real Choices II plans offer the most choices. The plans are designed for the employer who wants maximum plan flexibility.
Real Choices III — Real Choices III plans offer coverage that is the most affordable of the three plan choices. They are designed for first-time buyers and employers who want to offer employees basic health insurance coverage.
Real Choices Indemnity — Indemnity plans offer employees complete freedom to choose doctors and hospitals. This plan is best suited for those who live and work outside a PPO network area.
*The above information varies by state.
Assurant Health of California Real Choices Plan Highlights Include:
• All Real Choices plans have first-dollar benefits for preventive medical services from a network provider. Depending on the plan
selected, benefits range from $200 to $1,250 per year. The deductible and copay are waived until the benefit maximum has been
reached.
• Lifetime Maximum Choices — up to $10 million
• Annual Deductible Choices — choose from $0 up to $10,000
• Office Visit Copay Choices — choose from a wide variety of copay options
• Coinsurance Choices — select the amount employees pay after their deductible is met
• Prescription Drug Coverage — broad choice of drug copays, including a $0 copay
Assurant Health of California Consumer Choice Plans
Health Savings Account HSA
An HSA is a tax-free account designed to help individuals save for qualified health expenses that they, their spouse, or their dependents incur. To own a qualified plan, an individual must be covered by a high deductible health insurance plan, with the minimum deductible guidance established annually by the U.S. Department of the Treasury. An employee or employer can make tax-deductible contributions to an HSA and use them to pay for qualified out-of-pocket medical expenses. The employee owns the account and retains ownership even if employment terminates.
Assurant Health of California understands the need to provide your valued employees with solid benefits while improving your bottom line. Click on the Health Savings Account link below to learn more about these innovative plans from Assurant Health.
Assurant Health of California HSA Plan Highlights Include:
• Lifetime Maximum — up to $10 million
• Annual Deductible Choices — Individual: $1,500 up to $5,000; Families: $3,000 up to $10,000*
California PPO network.
• Benefit Percentage Choices — 50% to 100%
• First-dollar coverage preventive care (deductible waived until maximum amount payable is reached)
Get an Instant Health California Insurance Quote and Apply Now!
Health Reimbursement Arrangements (HRA)
The HRA is a health insurance plan arrangement an employer can establish that usually has a higher deductible health insurance plan and may contain provisions that reimburse some of the employees’ out-of-pocket medical expenses. Reimbursement can be made via set contributions to an employer-owned account for each employee, or by reimbursing the employee for medical expenses as they are incurred, to a pre-determined maximum. The employer may also choose to not reimburse any employee medical expenses.
Because the employer determines most of the rules for the HRA health care plan, this method of providing group medical coverage is very popular. Unlike the HSA, if employees terminate and the employer has established a reimbursement account for that employee, the remaining funds, if any, are owned by the business. Click on the Health Reimbursement Arrangement link below to learn more about the HRA plans offered by Assurant Health.
Assurant Health of California HRA Member Highlights Includes:
• Lifetime Maximum — Choices from $2 million to $10 million
• Annual Deductible Choices — Choices from $0 to $10,000 for individual and to $20,000 for family
• Benefit Percentage Choices — Choices from 50% to 100%
Short Term Medical Plans
If you are between jobs, waiting for employer group coverage, laid off, on strike, a recent college graduate, seasonal employee, early retiree or are waiting for Medicare to start, you may be interested in Assurant Health's Short Term Medical health insurance. Short Term Medical is a temporary health insurance plan that offers coverage for 30-360 days.** Assurant Health is the national leader in Short Term Medical (STM) insurance. In fact, Assurant Health introduced the industry's first Short Term Medical plan in 1973.
Student Medical Plans
Student Select is health insurance designed for today's undergraduate and graduate college students. This plan is ideal for single students no longer covered under their parents' health plan, if they live outside their parents' HMO or PPO area, or are considering a college-sponsored plan.
On behalf of our valued customers the above information was gathered from www.assuranthealth.com on July 30, 2009.
Get an Instant Health Insurance Quote and Apply Now!
