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.
Network:
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.
Underwriting:
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.
Assurant Health Insurance in the News
Florence County United Way recognizes contributors (Florence Morning News)
FLORENCE — United Way of Florence County recognized several of its donors and contributors at its annual meeting Monday at Florence Civic Center. Companies and individuals were recognized with awards for their service to the organization during the campaign and throughout the year.
Land Development Firm Uses Daptiv PPM to Simplify Business Operations, Increasing Productivity by 200 Percent (Marketwire)
Abbey Road Group Saves Time, Improves Processes and Delights Clients by Centralizing Business Operations Within Daptiv PPM
Land Development Firm Uses Daptiv PPM to Simplify Business Operations, Increasing Productivity by 200 Percent (Marketwire via Yahoo! Finance)
SEATTLE, WA--(Marketwire - 03/08/10) - Daptiv , the on-demand leader in collaborative business software , today announced that land development firm Abbey Road Group Land Development Services Company was able to increase productivity by 200 percent by centralizing business operations ranging from HR and project management to client relations, all within Daptiv PPM. The Wash.-based company chose ...
State Academic Decathlon starts Thursday at Wilderness (Wisconsin Dells Events)
Academic Decathlon teams from 20 high schools including the Dells High School will convene for state competition Thursday and Friday at Wilderness Resort in Lake Delton, and it is expected to attract about 500 spectators to a game show-type quiz that is one of the culminating events.
User Comments (Miami's Community Newspapers)
Nora Barzaga recently experienced the joy of Christmas all over again when she delivered gift-filled shoeboxes to needy children in Ecuador. Barzaga traveled to the South American country in early February as part of a special team with Operation Christmas Child. The group of staff and volunteers, along with Ecuadorian community and church leaders, handed out more than 10,000 shoe box gifts to ...
Financials gain, Citi CEO talks TARP in Washington (MalaysiaNews.net)
NEW YORK (MarketWatch) -- Shares of U.S. Financial stocks rose on Thursday morning with representation from several industries atop the gainers column as investors mulled yet more employment data ahea...
Assurant enhances commission commitment (Mortgage Introducer)
It is offering indemnity commission on its range of building & contents Insurance products underwritten by Lloyds TSB from year two onwards with immediate effect.
2010 IR Global Rankings Workshop & Award Ceremonies (PR Newswire via Yahoo! Finance)
MZ Consult NY , a leading global investor relations and financial communications firm, announces its rankings workshop & award ceremonies. The 2010 IRGR, supported by KPMG, Arnold & Porter, The Bank of New York Mellon, Corporate Asia Network, Bloomberg, NEVIR and Sodali is a unique and independent external review of any company's communication process with the capital markets.
Officials unsure of effects of five-day mail delivery (Springfield News-Sun)
SPRINGFIELD - It’s too early to know what effects local post offices will face if Congress grants the United States Postal Service its request to drop Saturday delivery in an effort to face budget shortfalls.
BofA's Krawcheck Among 13 Women Honored for Philanthropy (Financial Planning.com)
For Sallie Krawcheck, passion and philanthropy go hand-in-hand. At the United Way’s Fourth Annual Women United In Philanthropy luncheon Tuesday, Krawcheck told the more than 700 attendees that her current employer, Bank of America Corp. [
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