Assurant Health was founded all the way back in 1892.
With over 100+ year of insurance experience and offering many individual and
small business health plans, Assurant is a solid company with a great reputation
in the insurance industry. If you have any questions about Assurant Health as to
the differences between policies or what policies are available in your state, you can call toll free
1-877-698-6645 to speak with a health
insurance specialist who can answer any questions you may have about Assurant
Health Insurance plans.
Assurant Colorado Health Insurance Review:
With all the discussion of health insurance reform many people are wondering how
good their insurance really is or if they need health insurance at all. If you
have children and live in the Colorado Rockies, you know that health insurance
is a necessity.
My family is covered under an Assurant Colorado plan called CoreMed that we pay
for on our own. Despite what many people think, health insurance coverage for
even young families is not cheap. This is the lowest priced Assurant plan
available that has copays and a $3500 deductible and we pay almost $300 per
month. Overall this plan provides excellent coverage for my children.
We live in Denver and our plan is issued through Time Insurance company which is
the underwriter for Assurant. I used to have Cigna and my network seems exactly
the same as Cigna. The major drawbacks of this plan is that it only covers PPO
physicians, hospitals, labs and facilities and the pharmacy benefits are not
very good if a generic is not available. The greatest asset of this
plan is that there is no deductible, including lab work, on preventive coverage,
after you meet the waiting period.
This CoreMed plan requires a co-pay of $35 for each general physician office
visit and $35 for each specialist visit. Well-child check-ups do not require a
co-pay. The cost of inpatient surgery is reasonable - my youngest son recently
had an outpatient surgery and our out-of-pocket copay expense was $250 to the
surgical clinic.
On my plan if a medication is available in generic the co-pay is only $10 for up to a
30 day supply. The co-pay for brand name medications is $35 or $65 for up to a
30 day supply depending on which tier they are placed on. There is no mail order
medication program available, but a 90 supply can be purchased at the retail
pharmacy for the equivalent of three 30 day co-pays.
I don’t have any vision insurance on this plan which is a bummer. This creates a
major medical expense for my family as my oldest child wears glasses. Due to his
prescription we paid almost $500 for his exam and glasses last year.
The Assurant plan we have does have limited dental coverage. Two dental
cleanings are covered almost in full each year. Limited coverage is available
for other work, but as we have never had to use it I am not sure what it pays
for.
If you need a service and the plan does not have a ppo provider in your area you
can ask for an appeal to use a local provider. We had to do this for speech
therapy for one of our children. The process was long and slow, but we did get
approval to use a local therapist.
Overall CoreMed is a very good insurance plan. There is still, however,
considerable expense when it is used. I recently took my youngest child to the
doctor with an upper respiratory infection and paid $140 out-of-pocket to cover
physician co-pay and medication co-pays for three medications. Combined with the
$300 premium we had already paid and the co-pays other medications that month we
spent almost $600 on medical costs for that month. When we compare this plan and
our out-of-pocket expenses to the monthly premiums of the other plans offered,
we have found this Assurant plan to be the most economical for our family.
Assurant CLARITY Health Insurance
Plan Review:
CLARITY is the new health insurance plan by
Assurant Health. This is a first response to healthcare reform and is a plan
with great benefits including ZERO in-network deductible. That’s right NO
deductible on in-network services.
The Zero Deductible also features:
Instant Co-insurance split. Assurant Clarity will share the costs. They pay 50%
and you pay 50% until out-of-pocket maximum is reached and then Assurant pays
100% of covered charges.
Prescription Drugs. Member has a $500 deductible (Family $1000) for both generic
and brand name medications. Once deductible is reached Assurant pays 50% of the
remaining costs.
Super first dollar wellness coverage. Once a member has been enrolled for six
months, $1,000 of wellness services are covered per person! You just pay the
coinsurance.
Also, Clarity has innovative features including:
No payments to at time of service when visiting network doctors and hospitals!
That’s right. You pay later! Assurant pays the doctor for your share of the
covered charges and then bills you for your portion. As long as you stay
in-network you’ll never have to pay the doctor directly!
New 24-hour phone access to doctors. You only pay $35 per call with TelaDoc.
This is a great feature. Let’s say you are traveling and forgot your blood
pressure medication. Call TelaDoc and you can speak to a doctor immediately,
anytime, any day.
Frequently Asked Questions:
Q: Where is
Assurant Clarity a best seller?
A: Hands down, this is a best seller in Colorado. Many other carriers have $2500
deductible plans that are the same price as a ZERO deductible Clarity plan.
Q: What about Dental Insurance?
A: Dental insurance can be added as an additional benefit. Assurant also offers
SuiteSolutions and SecureSolutions, added benefits that can make extra money
available for accidents, injuries, and critical illnesses. In most states Aetna
Dental can be added for $15-$20 per a month. At this low rate, the plan will
cover two cleanings per a year, x-rays, and exams with no deductible. Other
services are subject to the deductible and can vary from state to state.
Insert your review here:
If you have a review of Assurant health insurance that you would
like to submit to be published on our website, please send it to use at
reviews@HealthInsuranceReviews.com. Assurant health insurance reviews will be
posted as they are submitted.
For any questions about
Assurant
health insurance, deductibles, co-pay, or any
other health insurance related questions, please email us at
info@HealthInsuranceReviews.com.
Or you can call us toll free at
1-877-698-6645 to speak with a health
insurance specialist who can answer any questions you may have about Assurant health insurance or any other question about health insurance.
