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California Low Cost Health Insurance Options

The California RightStart PPO plan from Assurant gives you essential coverage for the most affordable price.  This plan is good if you are without insurance or want to save on premiums.  With this plan not only will you have access to doctors and hospitals but you will receive significant discounts on medical services.

Time Insurance, formerly known as Fortis Health Insurance, is an Assurant Health member company. 

With more than 110 years of experience, Assurant / Time Insurance has maintained a solid reputation for high quality products, financial stability and a commitment to the health insurance industry.

RightStart Rates:

Preferred rates without riders are available on our instant quote page.  Please contact us 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.  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.

RightStart PPONetworks:

PHCS - California Network - PHCS Network is one of the largest PPO networks in the country, with over 400,000 providers and nearly 3,700 facilities. - Find a Provider

Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible.

RightStart 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.

RightStart Effective dates:

Assurant / 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 Time Insurance that your coverage has been approved and is in force.

About Time Insurance:

Time Insurance is a national health insurance company developing and providing individual medical, small group, short term and student health insurance products.  In business since 1892, the company provides health insurance coverage for over one million people nationwide.  With almost 3,000 employees, Time Insurance is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho, and Florida, as well as sales offices across the country.

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 in California.

 

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