Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Together, these three underwriting companies provide health insurance coverage for almost one million people nationwide. Each underwriting company is financially responsible for its own insurance products. Primary products include individual medical, small group, short term and student health insurance products, as well as non-insurance products and consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements. With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country.

Assurant Healthcare quotes are available online through The Focus Group

Originally posted 2010-04-07 05:17:11. Republished by Blog Post Promoter

With Assurant Health Access plans you may use any doctor or facility, but when you use a doctor or facility that participates with the approved network, you get greater discounts and cost savings on the services provided.

To check if your Michigan doctor or facility participates with the Assurant Health Access plans, please call 888-304-9983.

Note: When you use a PHCS LBP preferred provider, you can save on average 40% for health care services.

If you are an existing Health Access Plan A customer, please visit www.multiplan.com/assurant

Assurant Health offers the following Health Access Plans

• Health Access Plan A
• Health Access Plan B
• Health Access Plan C

Get a quote on Assurant Health Access Plans now:

Assurant Health offers three health insurance plans in Michigan for small businesses.  They are:

• Real Choices I
• Real Choices II
• Real Choices Indemnity

Real Choice I plans are for employers who want extensive coverage for their employees.  They include multiple benefit choices, giving you, the employer an opportunity to creat a plan the satisfies the unique needs of employees.

Real Choices II offers the most choices of the 3 plans.  A great option if you are looking for maximum flexibility as an employer.

Real Choices Indemnity gives employees the freedom to choose doctors and hospitals.  The way to go if employees live and work outside a PPO network area.

All Real Choice plans have first-dollar benefits for preventive services from a network provider.  Depending on what plan you select, benefits range from $200-$1250 per year.  The deductible and copay are waived until the benefit maximum is reached.  Plan features do vary by state.

Plan Features

• Lifetime Maximum Choices – up to $10 million
• Annual Deductible Options – choose from $0 deductible up to $10,000
• Office Visit Copy Options – select from a large variety of choices
• Coinsurance Choices – choose the amount employees pay after the deductible as low as $0 or 100% coinsurance
• Prescription Drug Coverage – choose your options, including a $0 copay

Additional Benefits

• Life Insurance
• Accidental Death & Dismemberment
• Short Term Disability
• Dental Insurance
• Assurant Health Discount Card

To discuss options for your Michigan Small Business contact us today at 888.320.5388 or to get a quote on group health insurance fill out a company census here:  Small Group Health Insurance Quote

Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company.  Assurant Health is built on the cornerstone of consumer choice — providing ongoing flexibility and choices in health insurance financing solutions as well as choice of providers.  As a leader in the individual insurance market Assurant Health’s legal entities, Time Insurance Company and John Alden Life Insurance Company, have each been assigned an A.M. Best rating of A- (Excellent). Union Security Insurance Company is rated A (Excellent).

Lets get started by creating your own instant online proposal, customized to your needs.  You may then fill out the Assurant Health Online Application.

If you’re like most people, your needs are changing all the time, especially when it comes to health insurance. Maybe you’re out of a job, maybe your employer doesn’t offer coverage, or maybe coverage is just too expensive.

Assurant Health answers your needs with our Health Access limited-benefit* plans. Not only are they priced within your reach, they’re packed with value to make sure you get your money’s worth during this time of your life. And, Health Access gives you just that — access —to the health care system, to doctors and other providers, and to discounts.

Here’s what Assurant Affordable Health Access offers:

• Affordability: Choose from three modestly priced plans to find the one that fits your budget and lifestyle.
• Usefulness: These plans cover services you’ll actually use, such as doctors’ office visits, prescriptions, preventive care and immunizations. Plus, should you need them, you’ll also have hospital benefits with Plans B and C.
• Value: You’ll have first-dollar benefits, copays and no high deductible. And, we’ve partnered with several services to help you squeeze extra value out of your plan and maximize any limits.
• Accessibility: From zero medical questions on one of the plans, to only two on others, it’s easy to qualify for all Health Access plans.
• Flexibility: Keep your own doctors, choose individual or family coverage, and add coverage for dental, vision and cancer benefits.

Important Information about Health Access

Assurant Health Access Network Providers

A list of carriers that we represent.  Click on the company name to read more and to get a quote from a specific carrier.

• Aetna
• Assurant Health
• BCBS of Michigan
• BCBS of Texas
• Celtic Michigan
• Cigna
• Golden Rule
• HealthPlus of Michigan
• Solo HAP
• Priority Health
• UnitedHealthOne
• UniCare

About Assurant Health

Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Together, these three underwriting companies provide health insurance coverage for almost one million people nationwide. Each underwriting company is financially responsible for its own insurance products. Primary products include individual medical, small group, short term and student health insurance products, as well as non-insurance products and consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements. With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country.

Size, Stability, Strength

Assurant Health is a leader in the individual medical health insurance market.

Assurant Health’s underwriting companies are among the top sellers of temporary health insurance in the U.S.

Assurant Health’s underwriting companies are among the leading independent providers of health insurance to small businesses, individuals and their families, with almost one million covered lives.

Assurant Health was one of the first to introduce Health Savings Accounts, and its companies continue to be top sellers of HSAs.

Assurant Health has developed a portfolio of Health Reimbursement Arrangements (HRAs) for small employer groups.

Assurant Health’s legal entities, Time Insurance Company and John Alden Life Insurance Company, have each been assigned an A.M. Best rating of A- (Excellent). Union Security Insurance Company is rated A (Excellent). (Source: A.M. Best Ratings and Analysis, June 2006.)

Assurant Health Products

Assurant Health provides solutions for customers’ health care needs by offering a wide array of individual, small group and specialty health insurance products. Assurant Health includes health insurance products issued and underwritten by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Assurant Health headquarters is in Milwaukee, WI.

Assurant Individual Major Medical

Assurant Health’s individual major medical insurance is designed for individuals and their families. These products fill a need for those who are self-employed or do not have insurance through an employer or another group. Assurant Health’s managed indemnity plans provide a range of deductibles and product features, giving individuals and families flexibility and choice in health insurance protection. Assurant Health is one of the major providers of such insurance in the United States. In fact, Life Association News cited Time Insurance Company, a Assurant Health company, as the largest company in the individual market, based on market share, in a February, 1999 article. Assurant Health offers individual major medical policies through John Alden Life Insurance Company and Union Security Insurance Company as well as Time Insurance Company.

Assurant Small Group

Assurant Health’s small group products primarily serve businesses with 2-50 employees. These plans offer an array of benefit choices to help small businesses design a health plan that meets the needs of employees and the budget of business owners. With the 1998 acquisition of John Alden Life Insurance Company, Assurant Health became one of the largest independent health insurance companies serving small businesses. Assurant Health offers small group health insurance plans through John Alden Life Insurance Company, Time Insurance Company and Union Security Insurance Company.

Assurant Health Savings Accounts

Health Savings Accounts combine a high deductible health insurance plan with a tax-advantaged savings plan for medical expenses. Assurant Health was one of the first to offer HSAs to both individuals and small businesses, and today is a leading provider of these innovative plans. Assurant Health HSAs offer seamless HSA administration. HSA plans are offered through Time Insurance Company and John Alden Life Insurance Company and Union Security Insurance Company.

Assurant Short Term Medical Insurance

Assurant Health’s Short Term Medical Insurance is designed for individuals who are between jobs, waiting for employer group coverage, laid off, on strike, and seasonal/temporary employees. It is also designed for recent graduates who haven’t started working at a full-time job with benefits, but are no longer covered under a parent’s plan. Assurant Health’s Short Term Medical insurance is a temporary health insurance plan that offers coverage for 30-365 days. Assurant Health introduced the health insurance industry’s first Short Term Medical Plan in 1973, and is the nation’s leading provider of temporary health insurance. Short Term Medical insurance is available through Time Insurance Company and John Alden Life Insurance Company.

Assurant Health Student Select

Assurant Health Student Select is a specialty product designed for undergraduate and graduate college students. Student Select provides renewable individual health insurance for single students no longer covered by a parent’s plan; for those living outside the family plan’s HMO or PPO network; and for those seeking a more comprehensive alternative to a college-sponsored plan. Student Select is offered through Time Insurance Company.

• Find a Assurant Health Provider
• Find a Health Access Provider
• Assurant Customer Resources
• Assurant HSA Account Information
• Assurant Health Access Plans
• Assurant Student Health Plans
• Assurant Short Term Medical

If you are looking to obtain new health care insurance or obtain a FREE review of your current policy, The Focus Group will shop for the right product for you and offer you some of the lowest rates available. If you have been declined for insurance in the past, we can help.  Get started today!