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Assurant Health Insurance in California

Assurant Health Insurance in California

Assurant / Time Health in California has been in business since 1892, providing health insurance to individuals, families, and small employer groups.  As a member of Assurant Health, you will get the health coverage you need at a budget you can afford.  They offer an extensive provider network, reliable health insurance protection, and prompt fair claims payment to more than one million people nationwide.

Assurant offers a variety of plans to accommodate coverage and financial limits specific to Californians.  For members who need regular minor care, Assurant offers a low deductible/high premium plan that helps keep doctor's visits and hospital visit costs affordable.  In lieu of more catastrophic events, Assurant offers a high deductible/low premium plan that will keep costs down in the case of a significant medical expense.  Assurant also offers Affordable health Access Plans that cater specifically to employers as well as plans that offer short term insurance.  Discount plans on prescription drugs, dental/vision discounts, and other medical discounts help Assurant members save money and get the coverage they need.

You can run an instant quote to see detailed information about plan details, limitations, and restrictions.  Or contact us and we will help you decide on a plan that is right for you and your family.

Rate Information:

OneDeductible Plans with a $3,750 individual or $7,500 family deductible or higher, and SaveRight HSA plans with a $5,100 deductible have a 24-month rate guarantee.  With these deductibles, you also have the option of paying an additional monthly premium to lock in your rates for 36 months.  This is the longest health insurance rate guarantee we are aware of.  All other deductible options have a 12 month rate guarantee. 

Preferred rates without riders are available on our instant quote page.  The quoted rates are for the $8 million maximum benefit, and do not include optional benefits such as term life, supplemental accident, maternity, and Rx riders.  

Please contact us via email for rates on the optional benefits.  All rates depend on gender, smoking status, zip code, and health status.

The premium can be paid via quarterly, semi-annual, or annual billing or credit card payment.  Premiums can be paid monthly via bank draft.  There is a one-time $20 application fee, which is refunded if the application is declined or not accepted.  The initial premium can be paid with a check or credit card.

Initial Monthly Premium: Unlike most companies, Time Insurance will allow you to submit an application on a C.O.D. basis.  What this means is that you may submit your application without submitting the first month's premium, which would not be due until your application has been approved.  At that time, you will instantly be billed for your first month's coverage.  At times, depending upon your requested effective date, your first bill may be for two month's coverage, as you will be billed for the period of time that you have been covered prior to receiving your approval (if applicable), as well as the full premium for the next month of coverage.


Please visit the Time Insurance PPO Network for complete information.  In most areas, Time uses the Private Health Care Systems (PHCS) network.  Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible.  See details on the participating providers in that network.


If you are in good health, Assurant has the quickest underwriting in the industry.  About 25 percent of our applications go through the Express Yes approval, and you can print out your insurance card today.  Just apply online, and if you answer “no” to all 17 questions and the electronic check of your Medical Information Bureau and Rx record comes back clean, you will be approved immediately.

Seventy-five percent of the remaining apps are approved within 48 hours.  If medical records are needed, then it may take significantly longer while the underwriter waits for the physician to send the records.

Certain conditions may be wavered with a temporary rider (usually for one to two years), or an indefinite rider.  If pre-existing conditions are disclosed on the application they will not be determined to be pre-existing and will be considered for coverage.

It is standard practice to request a Blood Pressure Inquiry on all applicants who are currently being treated for or who have recently discontinued treatment for high blood pressure.

Effective dates:

Time Insurance coverage can go into effect as quickly as one day, though you risk being declined if claims are submitted before the underwriting process is completed.  You may request an effective date any time between the day after you sign the application and 45 days later, with the exception being that an application cannot become effective the 29, 30 or 31 of any month.

Please note, if you are requesting an effective date of less than 21 days from the time you complete the application, you may not receive notification of your approval until after your effective date.  If you have claims during this period, they will be eligible for coverage if submitted after you have been approved.  Also note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved.  This is very good for someone who does not have any present coverage and would like for their benefits to begin right away.  For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either eCAHealthinsurance or directly from Nationwide that your coverage has been approved and is in force.

How to Apply:

Simply run an instant quote and select the plan you are interested in.  Then select to apply online or download the application, fill it out and fax it in to us.  We will then stay in touch with your during the underwritting process to keep you informed of the progress.

About Assurant / Time Health:

Time Insurance, formerly known as Fortis Health, is an Assurant Health member company, Milwaukee, WI.  Time Insurance, in business for more than a century, serves more than 1 million members.

For more than 110 years, Time Insurance has maintained a solid reputation for high quality products, financial stability and a commitment to the health insurance industry.  The company offers Individual Medical and Small Group plans, which include Health Savings Accounts, Health Reimbursement Arrangements, comprehensive major medical plans as well as a lower cost major medical plan.  The company is also the number one seller of temporary health insurance (Short Term) in the United States.

Time Insurance has been assigned a rating of A (Excellent) from the A.M. Best Company, an independent insurance rating organization. 

eCAHealthinsurance is an independent authorized Assurant / Time Insurance agent.

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