Assurant Health provides a large range of health plans and benefits to fit many different needs. Their individual portfolio includes individual health insurance, health savings account plans, and short-term health plans. The combination of having one of the largest provider networks and more individual health plan options than any insurance company in Illinois have made Assurant a popular choice for Illinois residents.
Assurant Health Individual Plans
MaxPlan
Our Rating: 
The MaxPlan is Assurant's most comprehensive health plan. It includes a $15 copayment for generic prescriptions, a $35 office visit copay benefit (optional), and up to an $8 million lifetime maximum benefit,. the highest in the industry. Please review the MaxPlan Brochure for more detailed information and plan details.
CoreMed Plan
Our Rating: 
If you want broad coverage at the best value, CoreMed is for you. It's the most cost-effective plan for both everyday and catastrophic needs. You'll be able to control your premiums without giving up benefits, and you can still choose to add optional features, like an office visit copay, for more protection and convenience. Providing $2 million in lifetime benefits with the option to buy up to $6 million, CoreMed offers quality and flexibility. For more detailed information and plan details, please review the CoreMed Brochure.
RightStart Plan
Our Rating: 
If you want the peace of mind that health insurance brings at the most affordable price, RightStart fits the bill. You'll get essential benefits for as little as half the price of other popular plans. RightStart is ideal if you are without health insurance or are thinking about dropping your current coverage due to cost. It gives you access to doctors and hospitals and you will benefit from significant discounts on covered medical services. Please review the RightStart Brochure and RightStart FAQ page for more information.
One Deductible HSA/PPO
Our Rating:
 One Deductible Video
This is the most popular Time Insurance plan. This plan offers one deductible for the entire family, so you don't have to worry about keeping track of individual expenses. After you have met your family deductible, the plan pays 100%, 80% or 50% of all covered expenses including prescription expenses, up to $3 or $8 million per person. This plan also covers wellness services up to $500 per year, after the deductible is met.
SaveRight HSA
Our Rating: 
HSA Basics Video
This is the most affordable Time Insurance plan. After you have met your family deductible, the plan pays 100%, 75% or 50% of all covered expenses including prescription expenses, up to $2 million lifetime maximum per person. This plan also covers wellness services up to $500 per year, after the deductible is met, once you have been insured for 12 months.
Both the OneDeductible HSA and SaveRight HSA are health savings account eligible plans. For additional information on Assurant's HSA Plans, please look at the Assurant HSA Brochure and HSA FAQ page. OneDeductible Plans with a $3,750 individual or $7,500 family deductible or higher, and SaveRight HSA plans with a $5,100 deductible have a 24-month rate guarantee. With these deductibles, you also have the option of paying an additional monthly premium to lock in your rates for 36 months. This is the longest health insurance rate guarantee we are aware of. All other deductible options have a 12 month rate guarantee.
Optional Benefits
Suite Solutions:
This option allows you to increase your coverage and reduce your personal medical costs. This feature reimburses you for qualified expenses regardless of your deductible. Two options are available in the Suite Solutions benefit.
|
Features |
Secure Solution |
Select Solution |
|
Accident Medical Expense Benefit - $2500, $5000, or $1000 benefit ($100 deductible) |
yes |
yes |
|
Accident Death & Dismemberment Benefit - up to $10,000 for the primary insured and $1000 for spouse and each child |
yes |
yes |
|
Weekly Accident Indemnity Benefit - 70% of basic weekly salary up to $250 per week up to 52 weeks, for primary insured only |
yes |
yes |
|
Critical Illness Expense Benefit - Covers life-threatening cancer, heart-attack, stroke, paralysis, renal failure, coma, transplants. (Must equal Accident Medical Expense Benefit) |
no |
yes |
| Identity Network Child Safety Services - Pre-registry of children using photos and descriptions |
no |
yes |
| Identity Theft Benefit - up to $2500 in financial relief, including reimbursement for related costs, lost wages, legal fees, and expenses |
no |
yes |
| Travel Assistance - emergency medical, financial, legal, and communication assistance. Multilingual information service available before and during travel if traveling 100 or more miles from home |
no |
yes |
| Discounts - up to 60% off items such as health club dues, hearing aids and hotel and travel packages |
no |
yes |
Accident Medical Expense Benefit:
In the event of an accident, this benefit will pay up to $500, $1000, or $2500, whichever amount you choose, before you pay any copay, access fee, deductible, or coinsurance.
First Dollar Preventive Services Benefit:
Once you have been insured for 12 months, this benefit will provide $500 per person, per year for preventive services before your deductible. Remaining preventive services will be covered subject to your deductible and coinsurance up to $1000 per person.
Maternity Benefit:
A maternity benefit is available after a 90 day benefit waiting period, You can choose from four different deductible and in addition receive significant network discounts - often between 15% - 50% when using network providers - before you even meet your deductible. You pay only this deductible for a maternity claim, including pre-natal care all the way through delivery. You then receive 100% coverage after the deductible is met.
This limits your expenses for maternity care to the amount of your maternity deductible. Below are examples of additional costs for each deductible:
|
Deductible |
Premium/Month |
|
$10,000 |
$10.75 |
|
$5,000 |
$47.05 |
|
$2,500 |
$154.58 |
|
$1,000 |
$356.21 | |
* Note: These benefits are not available with the SaveRight PPO/HSA plan.
Rate Information:
The Time Insurance rates quoted on our online instant quote service are for preferred rates. Approximately 40% of all applications applying with Time qualify for this special class of rates, which are typically 10-20% lower than standard rates.
Preferred rates without riders are available on our instant quote page. The quoted rates are for the $8 million maximum benefit, and do not include optional benefits such as term life, supplemental accident, maternity, and Rx riders. Check to see if you qualify for preferred rates.
For plans with an effective date of 2/1/08 through 9/28/08 a deductible credit of 10% of the total deductible will be applied for proof of prior coverage that was in force 63 days prior to the effective date. Credits cannot be applied to $0 deductible plans or OneDeductible plans with a deductible of $1100/$2200. The credit will carry over from year to year if not used in the initial year, but the credit does not change the deductible amount on the insurance contract.
If you do not qualify for these rates after reviewing the questions below, please email our offices for an exact quote for your particular situation.
Networks:
There are over 10 networks available in Illinois, but most members use the Private Health Care Systems (PHCS) network. PHCS is the nation's largest provider network with one of the premeir networks in Illinois. Please visit the Assurant networks page for additional information.
Underwriting:
If you are in good health, Assurant has the quickest underwriting in the industry. About 25 percent of our applications go through the Express Yes approval, and you can print out your insurance card today. Just apply online, and if you answer "no" to all 17 questions and the electronic check of your Medical Information Bureau and Rx record comes back clean, you will be approved immediately.
Seventy-five percent of the remaining apps are approved within 48 hours. If medical records are needed, then it may take significantly longer while the underwriter waits for the physician to send the records.
Certain conditions may be wavered with a temporary rider (usually for one to two years), or an indefinite rider. If pre-existing conditions are disclosed on the application they will not be determined to be pre-existing and will be considered for coverage.
It is standard practice to request a Blood Pressure Inquiry on all applicants who are currently being treated for or who have recently discontinued treatment for high blood pressure.
Effective Dates:
Time Insurance coverage can go into effect as quickly as one day, though you risk being declined if claims are submitted before the underwriting process is completed. You may request an effective date any time between the day after you sign the application and 45 days later, with the exception being that an application cannot become effective the 29, 30 or 31 of any month.
Please note, if you are requesting an effective date of less than 21 days from the time you complete the application, you may not receive notification of your approval until after your effective date. If you have claims during this period, they will be eligible for coverage if submitted after you have been approved. Also note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved. This is very good for someone who does not have any present coverage and would like for their benefits to begin right away. For those who are already covered, maintain your current coverage in force until you have received notice from either Illinois Health Agents or directly from Assurant that your coverage has been approved and is in force.
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