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Assurant Health Insurance Review

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Assurant Health specializes in providing health insurance plans to consumers across US. The company offers a variety of plan choices that includes major medical and supplemental plans for families, individuals, and small businesses.

What’s Included with Assurant Health?

  • Outpatient surgery
  • Immediate medical attention
  • Hospitalization
  • Prescription drugs
  • Diagnostic tests and imaging
  • Primary care
  • Preventive care services
  • Mental health, behavioural health, or substance abuse needs
  • Pregnancy care
  • Child dental or eye care
  • Rehabilitation and habilitation services

Types of Health Insurance Plans

Businesses and Organizations

Yes

Individuals and Families

Yes

Short-Term Health Insurance

Not Stated

Other Plans Offered:

  • Fixed Benefit Plan
  • Supplemental Coverage and Self-Funded Program

Plans Reviewed

Bronze Plan

  • Out-of-pocket limit: $6,350 for participating providers and $19,050 for non-participating providers
  • Overall deductibles: $5,000 for in-network providers and $15,000 for out-of-network providers. No overall annual limit on selected covered services
  • Other covered services: Non-emergency care when traveling outside US, Chiropractic care

Silver Plan

  • Overall deductibles: $2,000 for participating providers and $6,000 for non-participating providers
  • Out-of-pocket limit: $6,350 for participating providers and $19,050 for non-participating providers
  • No maximum annual limit on selected covered services
  • Other covered services: Chiropractic care, Non-emergency care when traveling outside the US

Gold Plan

  • No annual maximum limit on specific covered services
  • Overall deductibles: None for participating providers and $5,000 for non-participating providers
  • Out-of-pocket limit: $6,350 for in-network providers and $10,000 for out-of-network providers
  • No need for referral to see a specialist
  • Other covered services: Hearing aids, Chiropractic care, Non-emergency care when traveling outside US

Platinum Plan

  • Out-of-pocket limit: $2,000 for participating providers and $10,000 for non-participating providers
  • No overall annual limit on specific covered services
  • Overall deductibles: None for participating providers and $5,000 for non-participating providers
  • No need for referral to see a specialist
  • Other covered services: Hearing aids, Chiropractic care, Non-emergency care when traveling outside US

*Information stated above are for consumers residing in the state of Georgia. Details vary per state.

How Much Does It Save You?

 

Bronze

Silver

Gold

Platinum

Services Offered

In-Network (Your Cost)

Out-of-Network (Your Cost)

In-Network (Your Cost)

Out-of-Network (Your Cost)

In-Network (Your Cost)

Out-of-Network (Your Cost)

In-Network (Your Cost)

Out-of-Network (Your Cost)

Preventive Care

25% co-insurance

40% co-insurance

40% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

Primary Care

$35 co-pay per visit

40% co-insurance

$30 co-pay per visit

40% co-insurance

$25 co-pay per visit

40% co-insurance

$25 co-pay per visit

40% co-insurance

Generic Drugs

25% co-insurance

40% co-insurance

$15 co-pay/30-day supply $45 co-pay/90-day supply

$15 co-pay/30-day supply $45 co-pay/90-day supply

$15 co-pay/30-day supply $45 co-pay/90-day supply

$15 co-pay/30-day supply $45 co-pay/90-day supply

$10 co-pay/30-day supply $30 co-pay/90-day supply

$10 co-pay/30-day supply $30 co-pay/90-day supply

Specialty Drugs

25% co-insurance

40% co-insurance

40% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

Diagnostic Tests and Imaging

25% co-insurance

40% co-insurance

40% co-insurance

40% co-insurance

40% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

Outpatient  Surgery

25% co-insurance

40% co-insurance

40% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

Hospital Stay

25% co-insurance

40% co-insurance

40% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

Mental/Behavioral Health Outpatient Services

$35 co-pay per visit

40% co-insurance

$30 co-pay per visit

40% co-insurance

$25 co-pay per visit

40% co-insurance

$25 co-pay per visit

40% co-insurance

Mental/Behavioral Inpatient Services

25% co-insurance

40% co-insurance

40% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

Pregnancy Care

25% co-insurance

40% co-insurance

40% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

Rehabilitation and Habilitation Services

25% co-insurance

40% co-insurance

40% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

Urgent Care

25% co-insurance

40% co-insurance

40% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

25% co-insurance

40% co-insurance

Emergency Room Services

$100 access fee, 25% co-insurance

$100 access fee, 25% co-insurance

$100 access fee, 40% co-insurance

$100 access fee, 40% co-insurance

$100 access fee, 25% co-insurance

$100 access fee, 25% co-insurance

$100 access fee, 25% co-insurance

$100 access fee, 25% co-insurance

Emergency Medical Transportation

25% co-insurance

25% co-insurance

40% co-insurance

40% co-insurance

25% co-insurance

25% co-insurance

25% co-insurance

40% co-insurance

 

*Details vary per state

Annual Maximum Limit

Bronze

None

Silver

None

Gold

None

Platinum

None

*Only on specific covered services

The Bottom Line

Assurant Health may not be a budget-friendly health insurance provider which may not be appealing to most consumers.

 

 

 

 


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Customer Comments & Reviews

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A
anthony a
4/17/2022
If you have any insurance products written by Assurant, such as mobile phone, vehicle, or renters insurance for example, cancel the policy immediately, and contact your credit card company and dispute the charges as far back as allowed. They are a ripoff, and their policies aren't worth the paper they are written on. I am filing a multi million dollar lawsuit with class action status against them, and have lodged complaints with numerous NYS regulatory agencies. Sell any NYSE:AIZ stock you might own, this company is going out of business.



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