Assurant Health Insurance

Assurant Health offers affordable health insurance for individuals and families in Georgia. Assurant Health's popular HSA qualified "One Decreasing Deductible" health plan lowers your deductible 10% - twice per year when you don't meet your current deductible. Assurant also an affordable short term health plan that can provide coverage for to six months, and optional dental plans be added to your health plan.

Assurant Individual and Family Health Insurance

Member Benefits	In-Network
Video Review	One Decreasing Deductible
Brochure	One Decreasing Deductible
Individual Deductible	$2,850, $3,750, $5,000
Family Deductible Type	Aggregate - No per member deductibles, all family members expenses accumulate towards satisfying the one family deductible
Family Deductible Maximum	Two times the individual deductible
Coinsurance	Assurant pays 100% after the deductible
Coinsurance Maximum	$0
Out-of-Pocket Maximum	Your chosen deductible
Primary Care Office Visit	Deductible then 100%
Specialist Office Visit	Deductible then 100%
Preventive Care	$0 copay, deductible waived
Urgent Care Facility	Deductible then 100%
Emergency Room	Deductible then 100%
Inpatient Hospital	Deductible then 100%
Rx Deductible	Same as medical deductible
Rx Coverage	Deductible then 100%, Drug List
Optional Benefits	Dental, Life Insurance, Accident Medical Expense Benefit
Get Rates and Apply	Assurant Direct, Multi-Carrier quotes
Assurant One Decreasing Deductible Review	Benefit Highlights: Ten percent deductible credits apply twice per year, on January 1st and July 1st once you've been insured for two months. As you accumulate credits, your deductible can go as low as $1,500 for individuals or $3,000 for family coverage. Items to Consider: Medical underwriting can be a challenge as Assurant typically will exclude coverage for most preexisting conditions currently being treated, and will increase your premiums for conditions such as HBP or high cholesterol. Medical Underwriting: Assurant may increase your premiums due to preexisting health conditions, or apply an exclusion rider for pre-existing conditions. Preexisting conditions disclosed on the application are covered if not specifically excluded. Rates and Renewals: New business rates are competitive. Renewal rates are similar to new business rates. Assurant offers a healthy discount at renewal to lower your premiums.

Assurant Short Term Health Insurance

Member Benefits	In-Network
Brochure	Assurant Short Term Medical
Benefit Period	minimum 30 days, maximum 180 days
Individual Deductible	$1,000, $2,500, or $3,500
Family Deductible Maximum	One family deductible: Only one deductible needs to be satisfied for all family members
Coinsurance	Choose either: 50% / 50%, 80% / 20% or 100% / 0% (Assurant% / Your%)
Coinsurance Maximum	You pay your coinsurance % chosen for the next $10,000 after the deductible
Out-of-Pocket Maximum	Add your deductible plus your coinsurance maximum
Lifetime Maximum	$2 million
Primary Care Office Visit	Deductible then your chosen coinsurance
Specialist Office Visit	Deductible then your chosen coinsurance
Preventive Care	Not Covered
Urgent Care Facility	Deductible then your chosen coinsurance
Emergency Room	Deductible then your chosen coinsurance
Inpatient Hospital	Deductible then your chosen coinsurance
Rx Deductible	Same as medical
Rx Coverage	Deductible then your chosen coinsurance
Get Rates and Apply	Paper Application, Assurant Direct, Multi-Carrier Short Term quotes
Assurant Short Term Medical Review	Benefit Highlights: Comprehensive short term policy with several deductible and coinsurance options. Lower your monthly premium with a $3,500 deductible then 50% coinsurance, or keep your maximum out of pocket costs reasonable with a $1,000 or $2,500 deductible then 100% coinsurance. Save 20% by making a single up front payment. Items to Consider: As with all short term plans pre-existing health conditions are not covered. Expenses incurred outside of the United States its possessions and Canada are excluded. Medical Underwriting: Only two health questions to be considered for coverage. Rates and Renewals: Short term medical rates are average and guaranteed for the benefit period selected.

Assurant Dental Insurance

Member Benefits	In Network
Brochure	Assurant Dental Plus Brochure, Sample Contract
Dental Plan Type	Dental Reimbursement, Assurant will pay you a benefit amount for each covered procedure.
Individual Deductible	None
Family Deductible Maximum	None
Annual Maximum Benefit	$1,500
Preventive Services Oral exam Cleanings Bitewing x-rays	$100 reimbursement per visit, two visits per person each policy year separated by at least 150 days.
Basic Services Fillings Extractions	A per-service benefit applies, see sample contract
Major Services Crowns Root Canals Denture Adjustments	A per-service benefit applies, see sample contract
Orthodontics	Not covered
Dental Provider Network	See any dentist, no network restrictions.
Dental Rates	Monthly rates start around $20 for age 18-30 and up to $40 for age 61-64. Per child rates average $17.
How to Apply	Add Dental Plus plan when applying for an Assurant health plan
Assurant Dental Plus Review	Benefit Highlights: A great dental plan that allows you to see any dentist. The Assurant Dental Plus plan is not a dental insurance policy, but rather a reimbursement policy that pays you a set cash amount for each covered dental procedure received. Also available at a higher rate as a stand alone dental plan. Items to Consider: No coverage for orthodontia, dental implants or placement of full or partial dentures. Rates and Renewals: Good rates for the benefits provided, renewals are also good.