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Assurant provides 1 million people with health insurance nationwide.  They provide health insurance for individuals, small groups, short-term needs and students. They also provide health savings accounts and health reimbursement arrangements. Use Assurant’s website to receive a free health insurance quote in a matter of minutes.

Assurant guarantees an $8 million lifetime benefit maximum, worldwide 24-hour coverage, extensive networks of doctors and healthcare providers, no required referrals to see specialists, and a guaranteed rate for the first year.

Assurant is the creator of the health savings account, a tax-free account that can provide hundreds of dollars in savings.  The contributions that you make in to your health savings account can be deducted from your taxable income.  There is no tax on withdrawals for medical expenses either.  The funds continue to roll over yearly, providing a growing investment for you and your family.  Assurant also provides online tools to manage your health savings account.

Assurant keeps it simple and offers two plans for families that have routine health care needs and families that use health insurance for health emergencies.  Opting for a plan with a low deductible and low co-payment can provide savings for the family that makes doctor’s visits and uses routine care.  An Assurant plan with a high deductible, no co-payment and no co-insurance can facilitate savings for the family or individual that rarely goes to the doctor.  In their case, they would pay a higher out-of-pocket maximum.      Assurant also offers three “Affordable Health Access Plans” that have different levels of benefits to suit your needs.  One of those plans does not even require any health questions to be answered before approval.

For each plan, Assurant has adjustable deductibles.  Individuals can choose from $500 to $10,000, families can choose from $1000 to $15000, lifetime maximum benefits can vary from $2 million to $8 million, prescription drug deductible can be adjusted from $0 to $500 and co-payments can be anywhere from $20 to $40.

Assurant provides all policy holders with no limit on prescription drugs, worldwide coverage, $8 million lifetime benefit maximum, no limits on staying in the ICU, use of air or ground ambulance and no required referrals.

As an affordable alternative to insurance, Assurant also offers discount plans.  Individuals and families can save anywhere between 10% and 60% on prescriptions, dental, vision and medical services.  Regular insurance policy holders also receive a discount on their premium for being smoke-free.

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