Review The Plans

Choose from Three Affordable Plan Options

Plans	Select Care Plus	Select Care	Basic Care
Price (Monthly Premium)	As low as $78 by Age/Risk	As low as $55 by Age/Risk	As low as $50 by Age/Risk
Annual Deductible	$100	$200	$100
Coinsurance (% Assurant Pays /% Patient Pays)	80/20	80/20	90/10
Inpatient Benefits (Sickness) Room & Board (No deductible) Inpatient Services (No deductible)	Up to $750 per day Up to $10,000 per cal. yr.	Up to $750 per day Up to $5,000 per cal. yr.	Up to $250 per day Up to $1,500 per cal. yr.
Inpatient Benefits (Accident) Room & Board (No deductible) Inpatient Services (No deductible	Up to $1,500 per day Up to $100,000 per cal. yr.	Up to $1,500 per day Up o $50,000 per cal. yr.	Up to $500 per day Up to $5,000 per cal. yr.
Outpatient Services (Sickness/Accident)	Pays up to $1,000 comb. outpatient and office visits per cal. yr.	Pays up to $750 combined outpatient and office visits per cal. yr.	Pays up to $750 combined outpatient and office visits per cal. yr.
Office Visit Benefits (Sickness/Accident/Wellness) Copay Limit	$30 per office visit Pays up to $1,000 comb. outpatient and office visits per cal. yr.	$30 per office visit Pays up to $750 combined outpatient and office visits per cal. yr.	$30 per office visit Pays up to $750 combined outpatient and office visits per cal. yr.
Emergency Room Benefits (Sickness/Accident) Access Fee Limit	$90 Pays up to $150/visit 2 visits per cal. yr.	$90 Pays up to $150/visit 2 visits per cal. yr.	$90 Pays up to $150/visit 2 visits per cal. yr.
Ambulance Benefits (Sickness/Accident) Ground Air Limit	Pays up to $100 per trip Pays up to $1,000 per trip Up to 2 trips per cal. yr.	Pays up to $100 per trip Pays up to $1,000 per trip Up to 2 trips per cal. yr.	Pays up to $100 per trip Pays up to $1,000 per trip Up to 2 trips per cal. yr.
Prescription Benefits (Sickness/Accident) Generic Copay Brand Copay Nonpreferred Copay Limit	$20 per Rx $50per Rx $125 per Rx Pays up to $1,000 per cal. yr.	$20 per Rx $50per Rx $125 per Rx Pays up to $1,000 per cal. yr.	$20 per Rx $50per Rx $125 per Rx Pays up to $1,000 per cal. yr.
Network Discounts	Physician-only for eligible expenses	Physician-only for eligible expenses	Physician-only for eligible expenses

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What does healthcare cost you with and without insurance? Pick an example that fits your age.

Example: Select Care PLUS vs. No Insurance

Scenario: In one year you visit the doctor twice, are hospitalized for two days due to an illness, and fill two prescriptions.

Please note: This chart is for illustrative purposes only.

Scenario 1	Your Cost without Insurance	Your Cost with Basic Care (Standard)*	Your Cost with Basic Care (Preferred)**
4 Office Visits	$496	$120	$120
3 Day Hospital Stay (Room and board)	$3,042	$487	$487
Inpatient Services (Due to an illness)	$14,004	$2,241	$2,241
4 Generic Prescriptions)	$96	$80	$80
12 Months of Premium	$0	$3,512	$2,645
Your Total Cost of Care	$17,638	$8,488	$5,572

Your costs are deductible, coinsurance, and co-pays.
This assumes you use network providers that give a 20% discount on services provided.
*Premium is assumed to be the standard premium for an 36-50 year old.
**Premium is assumed to be the preferred premium for an 36-50 year old.

 

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Example: Basic Care vs. No Insurance

Scenario: In one year you visit the doctor twice, are hospitalized for two days due to an accident, and fill two prescriptions.

Please note: This chart is for illustrative purposes only.

Scenario 2	Your Cost without Insurance	Your Cost with Basic Care (Standard)*	Your Cost with Basic Care (Preferred)**
2 Office Visits	$248	$60	$60
2 Day Hospital Stay (Room and board)	$2,550	$1,040	$1,040
Inpatient Service (Labs, diagnostics, etc.) (Room and board)	$11,952	$4,562	$4,562
2 Generic Prescriptions)	$48	$30	$30
12 Months of Premium	$0	$707	$535
Total Cost of Care	$14,795	$6,398	$6,227

Your costs are deductible, coinsurance, and co-pays.
This assumes you use network providers that give a 20% discount on services provided.
*Premium is assumed to be the standard premium for an 18-35 year old.
**Premium is assumed to be the preferred premium for an 18-35 year old.

 

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Example: Select Care vs. No Insurance

Scenario: In one year you visit the doctor twice, are hospitalized for two days due to an illness, and fill two prescriptions.

Please note: This chart is for illustrative purposes only.

Scenario 3	Your Cost without Insurance	Your Cost with Basic Care (Standard)*	Your Cost with Basic Care (Preferred)**
2 Office Visits	$248	$60	$60
2 Day Hospital Stay (Room and board)	$2,028	$324	$324
Inpatient Services (Labs, diagnostics, etc.)	$9,336	$2,469	$2,469
2 Generic Prescriptions)	$48	$40	$40
12 Months of Premium	$0	$1,339	$1,010
Your Total Cost of Care	$11,660	$4,232	$3,904

Your costs are deductible, coinsurance, and co-pays.
This assumes you use network providers that give a 20% discount on services provided.
*Premium is assumed to be the standard premium for an 36-50 year old.
**Premium is assumed to be the preferred premium for an 36-50 year old.

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Assurant Affordable Healthcare, you can use any doctor. You’ll get a discount if you use providers in our network. Click here to find a doctor.