Health Insurance in California
/ 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.
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.
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.
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.
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.
us via email for rates on the optional benefits. All rates
depend on gender, smoking status, zip code, and health status.
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.
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.
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.
details on the participating
in that network.
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.
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.
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.
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.
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
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.
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.
Assurant / Time Health:
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.
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.
Insurance has been assigned a rating of A (Excellent)
from the A.M.
Best Company, an independent insurance rating organization.
is an independent authorized Assurant / Time Insurance agent.
Assurant Health Insurance in the News
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