Assurant Health

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Assurant Health

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 rate guarantee.

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.

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