Why Assurant Health is your Best Choice for Health Insurance?
With all the health insurance options that are available today you might be wondering which company is right for me. Most of us purchase health insurance based on impulse. We look at the next TV ad or some mailer that we got. The reason I can say that is because I’ve been in health insurance industry as insurance broker for over a decade. I will share with you things you should look for when shopping for health insurance. Also I will share with you a company which offers best options you can possibly get in health insurance coverage.
The reality is most of us are educated by insurance companies on what to look for in health insurance coverage. We are misled in looking for featured in coverage that insurance companies tell us we should look for. We go to insurance company’s websites to educate our self about insurance, which is completely absurd. I can reassure you that insurance companies are not going to tell you on what you truly should be looking for. I bet if I was going to ask you what to look for in health insurance coverage you might tell me things like; Deductible, co-pays, low monthly premiums. Well…. Maybe. Let ask our self’s on why do we have health insurance coverage in the first place? To protect our self from large unexpected medical bills. That would be a true statement that is what insurance is intended to do.
There is more to health insurance plans and companies than you ever thought. Let me ask you this question… If god forbid critical emergency did happen to you and you required a specialist, would you would to have access to the best specialist in the world or some local doctor? There are literally millions of people die every year because they did not have access to the specialist. Most presidents of the United States if ever required a specialist were taken to Mayo Clinic. Mayo Clinic is a world class hospital known around the world as the best medical facility for major illnesses and accidents. Do you think your insurance company will let you get treatment at Mayo Clinic? The answer is absolutely not, not a chance. What if you were in a car accident and there decision had to be made where your leg had to be cut of because the place that you were treated at did not have the right specialist to reconstruct the leg and your health insurance company was not willing to pay for reconstruction surgery at a facility like Moyo Clinic. Well at least you know you saved couple of buck on your health insurance that you called from one-eight hundred number that you saw on that TV commercial.
The coverage that I wanted to share with you is offered by not yet very known insurance company. The company itself has been around longer than any other health insurance company in the world. They have been in business since 1892 and the name is Fortis. Fortis in early 2006 was the 26th largest company in the world. The health insurance is marketed under name of Assurant Health. Assurant Health is know a quality company that provides health insurance to families, self-employed, individuals, small businesses and large businesses. Assurant Health has a slogan that goes like this “Our Health Plan is Based on Yours”. Why Assurant Health is so much better that anything that is available on health insurance market today.
Assurant Health has easy and flexible portfolio of plans to choose from. Also every plan that Assurant Health offers is customizable. Some plans lets you choose how many doctor visits you want the insurance company to pay for. How much of a co-pay do you want to have. Every option that you ad or delete, accordingly lowers or increases your monthly premium. For example for someone like me who is healthy and has not been to a doctor for over five years and do not have coverage for doctor visits and save myself almost one hundred dollars per month. Considering that average doctor visit is sixty five dollars. That means over five years I saved myself almost six thousand dollars. As we discussed earlier let take a look at what is truly important in health insurance coverage. First I am going to mention options that Assurant Health Plans offer that other companies do not. If you think it is not the case with your coverage just stop reading this because it will be just waist of your time. I’ve been in the industry long enough to tell you how plans work. If you think you know how your plans work than obviously you are the expert and you should stop reading this article.
Options that Assurant Plans Include that your plan does not.
Worldwide coverage, 24 hours a day.
It doesn’t matter whether you’re nearby or
Far from home-you’re covered.
Initial rate guarantees-up to 36 months available.
You’ll lock in your premium rate for at least the first 12 month. With many deductibles you have a 24-month rate guarantee-and the option to extend it to a full 36 month!
Lifetime benefit maximum options up to $8 million
You choose the amount of protection you want.
Your choice of doctors and hospitals
You’ll have access to some of the largest and best preferred provider (PPO) networks in the nation.
No referrals necessary to see a specialist
You don’t have to jump through hoops when you need a specialist’s care-simply make an appointment.
Single deductible for accidents.
In the event there’s an accident involving more than one person in your family you’ll pay only one deductible.
No limit on Intensive Care Unit (ICU)
With no daily dollar limit when confined in an ICU, you’ll have the peace of mind you need at a critical time.
Healthy Discount
Available in most states, Healthy Discount rewards you for maintaining your good health by providing 10% off your renewal rates.
Some of these benefits will not make any sense and I can share story after story how not having even one of those benefits could cause tragic consequences to you or your family. Assurant Health is your number one most reliable and most affordable choice for health insurance. For more information on Assurant Health Plans visit http://www.AssurantHealthCoverage.com
Watch the video related to health insurance
It should totally cover third-leg attachments and heightening surgery. Note: this video is not made to support socialism, though some of the passersby might suggest it as a solution. K?
Help answer the question about health insurance
What affordable health insurance would you recommend for my uninsured 21 year old daughter?She works full time but her employer charges an outrageous amount of money for health insurance. I know there are many many young people who don't have health insurance, mostly because of the cost of high insurance premiums. But my daughter really needs it cause she has some health issues that will stay with her for a lifetime.
thanks everyone!
About Author
Dennis Alexander – Is leading online authority on consumer health insurance education. He dedicated year of research and educating families, individuals and small business owners and their health insurance options. Currently he is active insurance agent and consultant in State of California and maintains website for Health Insurance at http://www.HealthCoverageQuotes.com.
Tags: Assurant, assurant健康保险、卫生assurant, Health insurance, Kennedy-Mills, Nixon, organized-labor, Ted-Kennedy, 健康保险、医疗保险负担
September 21st, 2009 at 8:17 am
1) Most employer provided health insurance is deducted "pre-tax" so there is no deduction on the tax return.
2) Your parents must be your dependents (or would have been your dependents except for the gross income test) for you to take a deduction anyway. So, unless you are supporting them: No.
September 21st, 2009 at 9:17 am
Check out this site to find the best health insurance just in one minute,
http://best-free-health-insurance-quote-usa.blogspot.com/
Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company.
Best Wishes,
September 21st, 2009 at 9:52 am
Everyone sing it with Obama now:
Old people aint got no reason,
Old people aint got no reason,
Old people aint got no reason to liiiiiive!
September 21st, 2009 at 9:55 am
47 million people, 50% illegal aliens, most don’t pay their medical bills anyway, which is why they sit an emergency room getting free healthcare bitching about how they don’t have free insurance. The shit ain’t free someone pays through higher insurance premiums, whether they pay that to an insurance company or the gov’t it all is the same shit.
September 21st, 2009 at 11:42 am
First off, theres no such thing as Obama Care.
Secondly, Obama initiated the debate and set the parameters for reform and congress produced several bills that are being debated now.
If you’d only turn off Fox News and open your mind and ears and stop being so paranoid about your imaginary stock portfolio of pharma companies, and think about how we are going to reform the broken system that Nixon ushered in, we’d be much better off!!
September 21st, 2009 at 6:56 pm
Are you searching for a cure for cancer?
Google: “Tesla Rife RF Therapy Cancer”
Such devices can be purchased now or built. It’s just one more example of how corporations have infiltrated the health care system, and replaced curing people with ways to keep them sick and make more money by perpetuating their illness and keep them addicted to pills.
See integrity research institute (dot) org for more info on RF bioelectric treatment.
Check out my channel and freeenergynow (dot) net
September 22nd, 2009 at 9:51 am
do a you tube search
“the Obama Deception”
September 22nd, 2009 at 5:12 pm
You can compare the quotes of various company here:
For Life Insurance :
http://free-best-life-insures-comparator-usa.blogspot.com/
For Health Insurance
http://top-usa-health-insurance-comparator.blogspot.com/
Hope this help
September 22nd, 2009 at 7:30 pm
Health insurance can be very tricky. Since I live in Utah I'm not sure about Florida laws and regulations, so I suggest you contact a nearby insurance agent. Check out this site to find the best health insurance just in one minute,
http://best-free-health-insurance-quote-usa.blogspot.com/
Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company.
Best Wishes,
September 23rd, 2009 at 1:53 am
You've asked a very broad question. There is no simple answer.
In truth, health insurance works a little differently in each state.
To answer your specific questions:
1) No, health insurance is not compulsory for everyone. If you're lucky, you are able to join a group policy at work. (If you're really lucky, it's a good policy and the employer pays at least half of it.) Some states have recently made it compulsory, but that's such a recent change that there's no clear cut answer yet for how that's going to work.
2) What happens if someone can't afford it is… they don't get it, usually. Except if your income puts you below the "poverty level", in which case you qualify for Medicaid. (In some states there are programs that typically provide assistance with insuring children, though they are few and far between for covering adults.)
3) Health insurance rarely covers all the bills when you have a procedure done. Most plans cover 50-80% after you meet your deductible. The deductible amounts vary widely (but the trend is that the deductibles are getting higher and higher to keep the premiums down.) If you're really, REALLY lucky, you don't have a deductible (which is only an option on group plans), and you may only have to pay 10% of covered charges. (These plans are few and far between. As in, you might have them if you're in Congress.)
4) Yes, the patient has some say over procedures. However, if the patient opts for an "experimental" procedure, or one that isn't deemed "medically necessary", then health insurance may refuse to cover any charges at all.
In the end, as with most things, the middle class takes the brunt of these costs. This has become such a problem that more than 50% of all bankruptcies are as a result of medical bills (and of those, more than 75% had health insurance.)
** Edited to add:
It's not ALL about the money when a procedure is involved. If it is, the state keeps track of complaints filed on behalf of consumers with "managed care" (ie. any type of network arrangement including Preferred Provider Organizations, Health Maintenance Organizations, and Point of Service organizations — also known as PPO, HMO, and POS) and may very well revoke a company's charter to do business in the state should the company be turning down too many legitimate claims.
However, insurance companies are sticklers for following the "standard" for medical care. This is what makes it difficult to answer your question. Because they should not deny anything that's considered standard for care in the given circumstances (should not and will not being two completely different things, of course.) And there may be several options that would be considered "standard." If the patient wants treatment that isn't yet considered "standard", they would balk. Period.
September 23rd, 2009 at 7:38 am
No.
The insurance through your husband's employer does not meet the test of having been established through the S-corp.
September 23rd, 2009 at 7:57 am
When you get health insurance, there is what is called a premium. This is the amount you pay on a scheduled basis. For instance, if you get insurance through your employer, you would pay your part of the premium each payday.
If you pay your premiums on time, you get to keep your insurance. Now, when you use your insurance, there is what is called a deductible. This is an amount of money you must spend before the insurance starts paying anything. A typical deductible might be $250/year for the policy holder and $500/year for the family. So, if your dad had the policy and went to get a prescription, if it was his first prescription of the year and it cost $100, he would pay $100. Every time he used stuff under the plan, he would pay everything until he hit the $250 deductible, then the insurance would kick in. (the same goes for the family coverage, until the $500 was met by everybody in total – not separately – you would pay 100%).
Now, once the deductible is met, the insurance starts picking up some of the costs…usually the costs are based on what doctor or provider you use. If you use someone who is called "in network" the insurance company pays more of the bill. They do this because they have negotiated lower costs with that provider. For example, let's say you need to have some tests done and your family has met all your deductibles. Let's also say the tests normally cost $200. If you go to an in network provider, the insurance would cover 80%. If you go out of network, the insurance might only cover 70%. Now the nice thing is, by going in network, you get the discounted price, let's say $160. So, if you go in network, you would pay $32 for the tests and the insurance would pay $128 (totaling $160). If you went out of network, you would pay the 30% of $200 or $60 and the insurance company would pay $140. So, by staying in-network, both you and your insurance company save money.
Also, there is something called an out-of-pocket maximum. This just means that if someone in your family gets real sick or injured, the most you can pay for that year is the out-of-pocket max…say $5,000. Once you hit that, everything after that is covered 100% by your insurance and you don't pay anything.
Last, there is a co-pay – what this means is that if you go to the doctor for a routine visit, it is usually covered without worrying about the deductible and you pay just the co-pay. usually this is $15 or $20 on say a $100 office visit and the insurance company pays the rest (based on a negotiated amount).
And that's the short version of how insurance works.
September 23rd, 2009 at 12:41 pm
You are the cancer that is killing /America and badly in need of chemo.
September 23rd, 2009 at 5:26 pm
Well, if she's 40 and perfectly healthy, it's going to cost her about $500 a month to have a low/no deductible plan that covers checkups.
You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage – like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less.
The older she is, the less healthy she is, the more it costs.
Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.
September 24th, 2009 at 2:37 am
If you think the US health care system is just fine, take a peek at my vids. Then immagine if this happened to your child.
September 24th, 2009 at 5:39 am
Most insurance will cover the costs you mention if the doctor thinks it is medically necessary. Check out this site to find the best health insurance just in one minute,
http://best-free-health-insurance-quote-usa.blogspot.com/
Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company.
Best Wishes,
September 24th, 2009 at 6:10 am
The POTUS explained clearly that the Public Option will NOT be subsidized by the Govt. It will raise money through premiums ONLY. So, the argument that Public Option will compete unfairly is FALSE!
If Private Ins. is as “good” as they claim, they should NOT be chickening away from competing with the Public Option!