Health Insurance
of 2024
- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.
Assurance Health Insurance Review
What’s Included with Assurance?
Through it's easy and quick online and free quote process, Assurance connects consumers with the best health insurance carriers, brokerages or agents to meet the consumer's needs.
In addition, Assurance offers its own brand of health insurance, Assurance IQ Choice, which is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Assurance IQ Choice has eight plans including a Basic, Choice, and Premier Plan all of which are Accident and Sickness Hospital Indemnity plans.
Assurance IQ Choice includes (taken from brochure):
-
Guaranteed issue for members and their spouses ages 18 - 65 and dependent children through age 26; all pre-existing condition limitations apply
-
Daily in-hospital indemnity: Choice of $200, $500, $750, $1,000, $1,500, or $2,000
-
Surgery, ICU, emergency room, doctor's office visit, diagnostic X-ray and lab, wellness, anesthesia, loss of income, and ambulance benefits available
-
Accident or sickness outpatient doctor office visit benefit: $75 or $100 per visit up to 6 days payable per insured and per policy year
Types of Health Insurance Plans
|
Individuals and Families |
Yes |
|
Short-Term Health Insurance |
No |
Plans Reviewed: Assurance IQ Choice
|
All Benefits are Per Covered Person |
Plan 1 (Basic) |
Plan 3 (Choice) |
Plan 5 (Premier) |
|
In-Hospital Indemnity |
$200/day |
$750/day |
$1,500/day |
|
-Maximum Days per Confinement |
10 |
10 |
30 |
|
-Max Benefit Amount per Plan Year |
$6,000 |
$22,500 |
$50,000 |
|
ICU |
N/A |
N/A |
N/A |
|
ER Visit |
N/A |
N/A |
N/A |
|
Physician Office |
$75/day |
$75/day |
$100/day |
|
-Max Visits per Plan Year |
3 |
3 |
6 |
|
Ground Ambulance |
N/A |
N/A |
$100/day (1/year) |
|
Air Ambulance |
N/A |
N/A |
$1,000/day (1/year) |
|
Surgical Indemnity |
|
|
|
|
-Inpatient Major |
$500/procedure |
$1,000/procedure |
$1,000/procedure |
|
-Outpatient Major |
$500/procedure |
$1,000/procedure |
$1,000/procedure |
|
Anesthesia Indemnity |
|
|
|
|
-Inpatient/Outpatient Major |
$100/procedure |
$200/procedure |
$250/procedure |
|
-Outpatient Minor |
N/A |
N/A |
$75/procedure |
| Advanced Diagnostics | N/A | $100/test (1/year) | $250/test (1/year) |
| Diagnostic X-Ray and Lab | $25/test (2/year) | $50/test (1/year) | $50/test (4/year) |
| Wellness | $25/test (1/year) | $50/test (1/year) | $200/test (1/year) |
In addition to Assurance's own insurance plans, its online marketplace will recommend the best providers, brokerages, or agents to consumers. Therefore, each plan's benefits and costs will differ Assurance partner.
Summary
Assurance is a good place to start when searching for health insurance coverage. The online marketplace simplifies a consumer's search for health insurance providers by expertly matching carriers, brokerages, and agents through a simplified online survey. Additionally, it offers its own brand of Accident and Sickness Hospital Indemnity insurance that may be the right kind of coverage for some consumers.
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- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.