Health
Accident
Critical
Life
DentalBuild Your Bundle
Select Health Coverage
Full Coverage With Deductible
Affordable full coverage major medical that includes free checkups.
Limited Coverage No Deductible
Fixed benefits; easy qualify:
Good for smokers and overweight.
*OOP is maximum out of pocket you'll pay for coinsurance which then plan covers 100% after your deductible. Please see example below.
Continue or remove from bundleMore Information About Health Insurance
- What is the difference between major medical and fixed-benefit plans?
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Major Medical Fixed Benefits Overview Unlimited comprehensive coverage once deductible, coinsurance, and access fees are met. Pays a set dollar amount per covered procedure.
Recommended for:- Child-only or young people seeking basic coverage
- Anyone needing easy 4-question qualification
- Tobacco users over age 40
Deductible $2,000 to $25,000. No deductible Coverage - Pays 100% of covered expenses after deductible, coinsurance, and access fees have been met.
- Includes free checkups and preventive services per the PPACA.
- Pays a set $ amount per covered item.
- May pay a portion for checkups/preventive.
- Other money saving features: see sample benefit guide
Doc Copay (Optional) Example: You pay $35, plan pays the rest.
Example: Plan pays $50-$75, you pay the rest. PPO Networks Several PPO networks to choose from based upon your area.
See Recommended Major Plan.Medication Drugs may be included or a drug card with copays.
* Not available on all plansExample: Plan pays $15-$35, you pay the rest. Lifetime Max Unlimited Up to $1,000,000. - What does 70% coinsurance with an OOP of $7,500 mean?
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The insurance company will pay 70% of medical costs after you meet your deductible. Once you pay $7,500, the insurance company will pay 100% of covered expenses for the rest of the calendar year.
- Why are doctor/drug copay plans no longer recommended?
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You ultimately spend more out-of-pocket
Co-pay plans are more expensive and copays do not contribute to your major deductible.
With just one deductible and your drugs/doctor visits contributing to it (no co-pay, no drug card), you will reach the point where your plan will pay 100% of all covered expenses quicker.
You still receive network-discounted prices when visiting the doctor, keeping it affordable.
- What are HSA (Health Savings Accounts) plans?
- Health Savings Accounts provide individuals covered by high-deductible health plans to receive tax-savings on money saved for medical expenses. Watch HSA Video
Select Accident Coverage
More Information About Accident Insurance
- What is covered by accident insurance?
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Protect yourself and family from high out of pocket costs.
- Slips and falls
- Mis-step while running
- Falling off bike
- At-home handyman accidents
- Accidents at work
- Sporting accident (Great for kids)
- Cooking accidents
- ... and other accidents
*Not all accidents may be covered by all policies. Always check the policy's conditions and limitations.
- Why do I need accident insurance?
- An accident can easily become very medically expensive.
Select Critical Illness
Get cash over and above any benefits you receive from other plans if diagnosed with a critical illness such as cancer, stroke, or major organ transplant.
View Plan
More Information About Critical Illness Insurance
- Why do I need Critical Illness Insurance?
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According to the CDC, heart disease is the leading cause of death in the United States. Additionally, cancer is the leading cause of death for persons age 45-64 and the second leading cause of death for 25-44 year-olds.
- How much critical illness coverage do I need?
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We recommend 2x your health insurance out-of-pocket and deductible.
With deductible and max out-of-pocket, most insurance will have a minimum expense of $10k-$15k per year. Critical illness treatment can take a couple of years. You should have enough critical illness coverage to pay your out-of-pocket for at least two years, so in this case 20k-30k of coverage.
- What critical illnesses are covered?
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- Invasive Cancer
- Heart Attack
- Stroke
- Kidney Failure
- Heart Valve Surgery
- Paralysis
- Coma
- Blindness
- Deafness
- Major Organ Transplant
- Loss of limb
- Major burns
Only partial benefits paid:
- Advanced Alzheimer's disease*
- Coronary artery bypass graft*
- Non-invasive cancer*
Not all conditions may be covered by all critical illness plans. See Assurant Plan
- Is there a Life / Critical Illness Combo?
- Yes, critical Illness coverage may be included with an Assurity Life Plan.
(view life insurance brochure) | (view critical illness brochure).
Get life insurance without a physical Go To Life Insurance
Select Life Insurance
More Information About Life Insurance
- What additional benefits are included in these plans?
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Terminal Illness Living Benefit
- If you're diagnosed with a terminal illness with 12 months or less to live, you can get a partial advance on your death benefit that you can use to get your bucketlist done.
Nursing Home Benefit
- Some life insurance policies now give you an advance on your death benefits to pay for your nursing home.
* Not all benefits available on all policies
- Why do I need life insurance? [video]
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- What is the difference between medical vs non-medical life insurance?
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Also known as no-exam life insurance, you may get coverage without an extensive medical exam. Great if you're afraid of needles or bloodwork.
- New policies now make no-exam life insurance more affordable than ever. No exam makes the approval process fast and simple.
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Also known as no-exam life insurance, you may get coverage without an extensive medical exam. Great if you're afraid of needles or bloodwork.
Select Dental Coverage
More Information About Dental Insurance
- What is the difference between a discount plan and dental insurance?
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Dental Insurance Discount Plan Overview Pays cash to your dentist or you. In-network and out-of-network benefits. No out-of-network benefits. Only discounts services, does not pay cash to your dentist or you. Coverage Pays a % or set amount per procedure. Covers most, if not all, of wellness (exams, cleanings, x-rays). Most don't cover cosmetic (ie. braces or implants). Provides 5%-60% discount on dental services with specific dentists in-network. Usually cosmetic discounts are available (braces, veneers, etc). Waiting Periods Ranges from next-day to 1 year depending on plan, procedure, and state. Our bundle dental plan has next-day benefits* for wellness and basic with only a 6 month wait for major. * May not be available in some casesUsually receive membership materials in 7-10 business days. Dentist Availability Usually can use at any dentist. Limited to a certain number of dentists. - Why do I need dental insurance?
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- Gum disease can lead to blood clots or even contribute to diabetes, pneumonia, or low birth weight.
- Early symptoms of osteoporosis, most oral cancers, anorexia, or bulimia may be found during a routine dental exam.
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