If you're looking for individual, group, or short-term health insurance, Assurant Health is one of the most respected health insurance providers serving the individual healthcare market. In business since 1892, Assurant Health offers a comprehensive selection of health insurance products with a focus on serving the needs of self-insured individuals and families.
Crosspointe Insurance Advisors is familiar with the various plans offered by Assurant Health and we look forward to helping you learn more about their plans.
Below is a brief overview of the health insurance products available from Assurant Health:
Individual Health Insurance
When you are self-employed or not covered by a group health insurance plan, Assurant Health plans offer the peace of mind that comes from affordable individual health insurance.
Assurant's High-Deductible Health Plans can be paired with a Health Savings Account so you can take advantage of tax savings on all of your medical expenses. Our clients love the flexibility that comes from choosing your own doctor and creating a plan with deductibles and premiums that meet their budget.
Health Savings Accounts allows you to set aside tax-free dollars to pay for qualified medical expenses, including co-pays, and earn interest on the money. Plus, any unspent funds are roll over each year, and you won't have to pay tax on the interest you earn. Assurant even lets their members manage Health Savings Accounts online.
If you keep your HSA active after you turn 65, the accumulated funds can used to pay for non-qualified expenses* and medical costs not covered by Medicare. In some cases, the funds can even be used to pay for Long Term Care Insurance premiums.
Short Term Health Insurance
If you are between jobs or waiting for employer-sponsored health insurance to start, you will not want to be without health insurance. Short Term Health Insurance from Assurant Health will protect you in the event of a sudden illness and accident. Your financial future is too important to risk incurring large medical bills. Most Short Term policies can start on the day after you apply and have surprisingly few restrictions.
Assurant Health Access
When you want the assurance that comes from getting a discount on medical expenses, Assurant Health says "Having Access Pays". The Assurant Health Access benefits will actually pay you back for medical services, prescriptions and hospital stays, allowing you "access" to the healthcare you need.
Many healthy self-insured individuals are happy with the flexibility of using a discount card from Assurant. The card provides an average of 40 percent off of medical services from over 600,000 providers in their database plus incredible savings at retail health clinics, including lab work and prescription drugs. Members have access to independent Patient Care Advocates who can help them find the best prices on healthcare as well as Health Payment Advocates who can negotiate payment plans and discounts for medical care.
Supplemental Health Insurance
When an unexpected health expense comes up, it is nice to know you're covered. Assurant Health offers a simple and affordable collection of supplemental coverage options that pay subscribers back in the form of cash benefits, so they can get the care they need. Coverage includes options for Critical Illness, Accidents, Dental benefits and more.
For more information on the plans available from Assurant Health, consult with an agent from Crosspointe Insurance Advisors. We will help get the insurance coverage you need at a price you can afford.
*Consult your tax-advisor to determine the best strategy to utilize your HSA funds in retirement. Crosspointe Insurance Advisors does not offer tax advice.