FAQ's
Full-time, part-time, seasonal, even contract workers. Spouses, not legally separated or divorced, of course. And children -- including stepchildren and adopted children who are unmarried, dependent on you for support, and under 19 years of age.
For more than a century, we’ve been helping people get access to the medical care they need, at a price they can afford. Today, almost one million people all across the country have decided Assurant is the right healthcare company for them.
A deductible is the pre-determined amount you pay during each calendar year before your benefits kick in. For example, if you choose a plan with a $200 deductible, you would pay the first $200 of medical expenses for that year.
A co-pay is the small amount you pay to a medical provider for covered services at the time the services are provided. For example, depending on your choice of plan, your co-pay for prescription drugs could be as little as $15 per prescription. Your Assurant insurance pays the rest.
Co-insurance is the percentage of covered charges paid by your insurance after any fees, co-payments, and deductibles have been satisfied. Co-insurance applies separately to each covered person.
You can take your Assurant coverage with you. Just let us know about the switch. If you pay your premiums directly, nothing much will change. If your new employer would like to set up a payroll deduction plan for your premiums, we’ll handle all the details.
Any injury or sickness in the 6 months prior to your plan’s effective coverage where medical advice, care, consultation, diagnosis, or treatment was sought, received, or recommended from a medical provider. Also, where drugs were prescribed, or where signs or symptoms existed.
No. To do so would make our plans too expensive. By focusing, instead, on basic health needs such as doctor visits, prescription drugs, and hospital care, we’re able to keep our plans affordable for almost every budget.
Yes. But the type of coverage depends on the plan you choose. With our Basic plan, only injury-related dental expenses are covered. But for an additional cost, you can select our expanded plan which covers check-ups, exams, oral surgeries, fillings, orthodontics, and more. For more information on our expanded coverage plan, call 866.308.6500.
Generally, the effective coverage date is within 30 days of your enrollment. The specific date is clearly indicated on your policy. However, because you may receive your policy in the mail before the effective date, it’s important to check the information carefully.
It’s the amount of time you must wait after enrolling before your benefits can begin. For instance, there is a 30 day waiting period after your effective start date for prescription drug and office visit coverage.
Absolutely. But if you use the medical providers in the Assurant network, you can lower your costs even more. The choice is yours.
Most people choose to have their premiums automatically taken from their paychecks. But, if you prefer, we can mail you the bill directly. In certain cases, credit cards or direct debit can also be used.
Claim forms are included in your enrollment booklet. The step-by-step instructions make things simple. Of course, should you have any questions, our representatives are ready, willing, and able to assist you.
Just call 866.308.6500.
You can choose either of two simple ways. You can enroll directly through the Assurant Affordable Healthcare website. Or, if you like, you can enroll over the phone by calling 866.308.6500.