Assurant Health Insurance Review & Ratings (2024)

Assurant Health is a trusted name in the world of health insurance. With over 100 years of experience, the company offers a wide range of insurance plans to meet the needs of its customers. Whether it’s individual health insurance, short–term health insurance, or even group health insurance, Assurant Health Insurance has the products and services you’re looking for.

Assurant Health Insurance has grown and expanded both its reach and its offerings to become one of the leading health insurance providers in the country. Their mission is to provide its customers with affordable and accessible health insurance that meets their needs. And they do that in all 50 states.

With its strong financial stability and its commitment to providing affordable and accessible health insurance, Assurant Health is a great choice for your health insurance needs.

What You Should Know About Assurant

Welcome to our comprehensive guide on Assurant Health Insurance, where we provide an in-depth review and analysis of this renowned insurance provider. With a focus on quality coverage and customer satisfaction, Assurant Health Insurance offers a range of plans tailored to meet diverse healthcare needs.

• Wide range of health insurance plans available
• Over 100 years of experience in the industry
• Strong financial stability

Whether you’re looking for affordable premiums, extensive coverage, or specific network preferences, we’ve got you covered. To make an informed decision and find the best insurance provider for your needs, enter your zip code and compare rates from top providers. Take control of your healthcare coverage with Assurant Health Insurance today.

Assurant Insurance Coverage Options

Assurant Health offers a wide range of health insurance plans, including individual health insurance, short-term health insurance, and group health insurance. The company also offers supplemental health insurance, such as accidental injury insurance, hospital indemnity insurance, and critical illness insurance.

Some of the key products and services offered by the company include:

• Individual health insurance: Assurant Health offers a range of individual health insurance plans designed to provide comprehensive coverage to individuals who are not covered by employer-sponsored insurance. These plans offer coverage for doctor visits, hospital stays, prescription drugs, and other medical expenses.
• Short-term health insurance: Assurant Health also offers short-term health insurance plans, which provide coverage for a limited period of time, typically between 30 days and 11 months. These plans are ideal for individuals who are between jobs or waiting for employer-sponsored insurance to become effective.
• Group health insurance: Assurant Health also offers group health insurance plans designed for small and large businesses, as well as for organizations such as associations, unions, and other groups. These plans provide coverage for employees and their families.
• Supplemental health insurance: In addition to its traditional health insurance plans, Assurant Health also offers a range of supplemental health insurance products, including accidental injury insurance, hospital indemnity insurance, and critical illness insurance. These plans provide coverage for costs not covered by traditional health insurance plans, such as deductibles and copayments.
• Health savings accounts (HSAs): Assurant Health also offers Health Savings Accounts (HSAs), which allow individuals to set aside pre-tax dollars to pay for qualified medical expenses.

Overall, Assurant Health provides a wide range of insurance products and services designed to meet the diverse needs of its customers. Whether you’re looking for comprehensive health insurance coverage or supplemental insurance to help cover costs not covered by traditional health insurance, Assurant Health has a solution to meet your needs.

Assurant Insurance Rates Breakdown

The cost of Assurant Health’s insurance plans varies based on several factors, including your age, location, and the type of plan you choose. The company’s individual health insurance plans start at $60 per month, while its short-term health insurance plans start at $30 per month. The cost of the company’s group health insurance plans will depend on the size of your group and the type of plan you choose.

• Individual health insurance: The cost of individual health insurance will depend on the type of plan you choose, your age, and your location. Assurant Health offers a range of plans, including Bronze, Silver, Gold, and Platinum plans, each with different levels of coverage and cost. On average, the cost of individual health insurance through Assurant Health can range from $100 to $400 or more per month, depending on the plan and your individual circumstances.
• Short-term health insurance: The cost of short-term health insurance will also depend on the type of plan you choose, your age, and your location. These plans are typically more affordable than traditional individual health insurance plans, but still provide comprehensive coverage for a limited period of time. On average, the cost of short-term health insurance through Assurant Health can range from $50 to $200 or more per month, depending on the plan and your individual circumstances.
• Group health insurance: The cost of group health insurance will depend on the size of your group, the type of plan you choose, and the location of your business. Assurant Health offers a range of group health insurance plans designed to meet the needs of small and large businesses, as well as organizations such as associations, unions, and other groups. The cost of group health insurance through Assurant Health can range from a few hundred dollars to several thousand dollars per year, depending on the size of your group and the type of plan you choose.
• Supplemental health insurance: The cost of supplemental health insurance will depend on the type of plan you choose and your individual circumstances. Assurant Health offers a range of supplemental health insurance products, including accidental injury insurance, hospital indemnity insurance, and critical illness insurance. On average, the cost of supplemental health insurance through Assurant Health can range from a few dollars to a few hundred dollars per month, depending on the plan and your individual circumstances.
• Health savings accounts (HSAs): The cost of a Health Savings Account (HSA) will depend on the amount you contribute to the account and any fees associated with the account. Assurant Health offers HSAs as a way for individuals to set aside pre-tax dollars to pay for qualified medical expenses. The cost of an HSA through Assurant Health will vary depending on the amount you contribute to the account and any fees associated with the account.

Keep in mind that these are just rough estimates, and the actual cost of Assurant Health Insurance will depend on a number of individual factors. To get an accurate estimate of the cost of Assurant Health Insurance, it’s best to speak directly with an agent or to use an online quote tool to compare insurance options.

Assurant Discounts Available

Assurant Health serves customers in all 50 states. The company’s insurance plans are available in every state in the United States. Even with a large service area, some products and services may not be available in all areas. Each state has it’s own requirements and regulations which have to be met and followed by any insurance provider.

It’s important to get all specifics from an Assurant Health Insurance provider in your area. You can find that nearby provider with one click of a button. Just enter your ZIP code into the search box below, and find an Assurant Health Insurance provider near you.

Assurant Health offers a variety of discounts to its customers, including discounts for enrolling in an electronic payment plan, enrolling in automatic monthly payments, and for being a member of certain organizations. The company also offers discounts for its short-term health insurance plans.

Here are some of the discounts that are available:

• Group discounts: Assurant Health offers group discounts for businesses, organizations, and other groups that enroll multiple employees or members in its insurance products. The size of the group discount will depend on the size of the group and the type of insurance product chosen.
• Multi-policy discounts: Assurant Health also offers multi-policy discounts for customers who purchase multiple insurance products from the company. For example, customers who purchase both individual health insurance and supplemental health insurance may be eligible for a multi-policy discount.
• Healthy lifestyle discounts: Some Assurant Health insurance plans offer discounts for customers who maintain a healthy lifestyle. For example, customers who participate in wellness programs, engage in regular physical activity, or have a healthy body mass index (BMI) may be eligible for a healthy lifestyle discount.
• Electronic funds transfer (EFT) discounts: Assurant Health offers a discount to customers who choose to have their insurance premiums automatically deducted from their bank account via Electronic Funds Transfer (EFT).
• Early enrollment discounts: Assurant Health may offer early enrollment discounts to customers who enroll in its insurance products prior to the start of the policy.

It’s important to keep in mind that these discounts may vary depending on the type of insurance product, your location, and other individual factors. To learn more about the discounts that are available to you, it’s best to speak directly with an agent or to use an online quote tool to compare insurance options.

Evaluating Claims Handling: Assurant Health Insurance

Ease of Filing a Claim

Assurant Health Insurance offers a streamlined claims process designed to make it easy for policyholders to file claims. They provide multiple methods for submitting claims, including online, over the phone, and through mobile apps. This flexibility ensures that customers can choose the most convenient way to initiate a claim, making the process hassle-free.

Average Claim Processing Time

Assurant Health Insurance understands the importance of timely claim processing. While specific processing times may vary depending on the nature of the claim, they are committed to efficiently handling claims. Policyholders can expect a reasonable turnaround time, with claims being processed as swiftly as possible to provide financial support during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is an essential aspect of evaluating an insurance company’s claims process. Assurant Health Insurance has received positive reviews for its claim resolutions and payouts, indicating a commitment to meeting policyholders’ needs.

However, some customers have reported occasional challenges with customer service and claim processing, highlighting the importance of thorough communication and documentation when filing a claim.

Assurant Health Insurance – Cutting-Edge Digital and Technological Offerings

Mobile App Features and Functionality

Assurant Health Insurance offers a user-friendly mobile app that provides policyholders with convenient access to their insurance information. The app allows users to view policy details, check the status of claims, and even initiate claims directly from their mobile devices. It offers a range of features and functionality designed to enhance the customer experience.

Online Account Management Capabilities

Managing insurance policies and accounts online has become increasingly important in today’s digital age. Assurant Health Insurance provides robust online account management capabilities. Policyholders can log in to their accounts via the company’s website to make payments, update personal information, and access important documents, ensuring easy and efficient management of their policies.

Digital Tools and Resources

To empower their customers with valuable information and resources, Assurant Health Insurance offers a variety of digital tools. These tools may include educational materials, calculators, and resources to help policyholders make informed decisions about their healthcare coverage.

By leveraging technology, Assurant Health Insurance aims to provide comprehensive support to its policyholders in their insurance journey.

How Assurant Ranks Among Providers

Assurant Health Insurance, it’s essential to recognize some of the main competitors in the health insurance industry. Competitors often vary depending on the specific types of health insurance offered and the geographic regions they serve. Here are some potential competitors for Assurant Health Insurance:

• Unitedhealthcare: As one of the largest health insurance providers in the United States, UnitedHealthcare offers a wide range of health insurance plans for individuals, families, and businesses. They have a strong network of healthcare providers and comprehensive coverage options.
• Anthem Blue Cross Blue Shield: Anthem operates under the Blue Cross Blue Shield umbrella and is a prominent player in the health insurance market. They provide a variety of health plans, including individual, family, and group insurance, with a focus on personalized coverage.
• Aetna: Aetna, now a subsidiary of CVS Health, offers health insurance plans with a focus on innovation and integrated healthcare solutions. They provide coverage for individuals, employers, and Medicare beneficiaries.
• Cigna: Cigna is a global health services organization offering a range of health insurance products, including individual and family plans, employer-sponsored plans, and Medicare plans. They emphasize holistic health and well-being.
• Humana: Humana is known for its Medicare Advantage plans, but it also offers a variety of health insurance products, including individual and family plans. They often focus on promoting preventive care and healthy living.
• Kaiser Permanente: Operating as both an insurance provider and a healthcare delivery system, Kaiser Permanente offers integrated health plans with a focus on preventive care. They have a strong presence in certain regions, particularly on the West Coast.
• Aflac: While Aflac is known for its supplemental insurance products, it competes in the broader health insurance market by providing coverage for specific events or illnesses not covered by traditional health insurance.
• Molina Healthcare: Molina specializes in government-sponsored health insurance programs such as Medicaid and Medicare. They focus on providing affordable health plans to low-income individuals and families.

It’s important to note that the competitive landscape in the health insurance industry is dynamic, and the performance of competitors can change over time. Customers should evaluate each provider based on their specific needs, preferences, and the offerings of each company in their respective markets.

Assurant Health has received positive customer reviews, with customers reporting the company’s strong financial stability and its wide range of insurance plans as its strengths. However, some customers have reported difficulties with customer service and claim processing.