Assurant Health Insurance Review

#4 in Health Insurance

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.

 

 

 

 

Start your review for Assurant Health Insurance