Assurance Plan

About Assurant Health
Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Together, these three underwriting companies provide health insurance coverage for almost one million people nationwide. Each underwriting company is financially responsible for its own insurance products. Primary products include individual medical, small business health insurance, short term health insurance and student health insurance products, as well as non-insurance products and consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements. With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country.
Our Beliefs
Assurant Health is built on the cornerstone of consumer choice — providing ongoing flexibility and choices in health insurance financing solutions as well as choice of providers. With more than 200,000 local agents that are dedicated to supporting their customers. Assurant Health has a reputation of integrity in honoring its commitments to customers.
Size, Stability, Strength
Assurant Health is a leader in the individual medical health insurance market.
Assurant Health's underwriting companies are among the top sellers of temporary health insurance in the U.S.
Assurant Health's underwriting companies are among the leading independent providers of health insurance to small businesses, individuals and their families, with almost one million covered lives.
Assurant Health was one of the first to introduce Health Savings Accounts, and its companies continue to be top sellers of HSAs.
Assurant Health has developed a portfolio of Health Reimbursement Arrangements (HRAs) for small businesses.
Assurant Health's legal entities, Time Insurance Company and John Alden Life Insurance Company, have each been assigned an A.M. Best rating of A- (Excellent). Union Security Insurance Company is rated A (Excellent).
Source: A.M. Best Ratings and Analysis, June 2008.
Assurant, Inc.
Assurant Health is part of Assurant, a premier provider of specialized insurance products and related services in North America and selected international markets. Its four key businesses – Assurant Employee Benefits, Assurant Health, Assurant Solutions and Assurant Specialty Property – have partnered with clients who are leaders in their industries and have built leadership positions in a number of specialty insurance market segments worldwide.Assurant, a Fortune 500 company and a member of the S&P 500, is traded on the New York Stock Exchange under the symbol AIZ. Assurant has more than $25 billion in assets and $8 billion in annual revenue. Assurant has more than 15,000 employees worldwide and is headquartered in New York's financial district.
Short Term Medical Plans
If you are between jobs, waiting for employer group coverage, laid off, on strike, a recent college graduate, seasonal employee, early retiree or are waiting for Medicare to start, you may be interested in Assurant Health's Short Term Medical insurance. Short Term Medical is a temporary health insurance plan that offers coverage for 30-360 days.** Assurant Health is the national leader in Short Term Medical (STM) insurance. In fact, Assurant Health introduced the industry's first Short Term Medical plan in 1973.
Student Medical Plans
Student Select is health insurance designed for today's undergraduate and graduate college students. This plan is ideal for single students no longer covered under their parents' health plan, if they live outside their parents' HMO or PPO area, or are considering a college-sponsored plan.

General Information
Q.When does my coverage begin?
A.If you are submitting your application by:
Internet using a credit card - The earliest your coverage can begin is the day following transmission, if all other eligibility criteria have been met. For example, if you submit your application online on March 16th, your coverage begins at 12:01 A.M. on March 17th. Dates of the 29th, 30th and 31st are not available.
All transmissions take place and are recorded based on the time and date in the Central Time Zone. For example, if you submit your application on-line at or after 10:00 P.M. on March 15th from a location in the Pacific Time Zone, the time of the transmission will be at or after 12:00 A.M. Central Time. The transmission date of your application will be March 16th.
Mail and writing a check - The earliest that your coverage can begin is the day following the U.S. Postal Service postmark, if all other eligibility criteria have been met. (If the envelope containing your application is not postmarked by the U.S. Post Office or if the postmark is not legible, coverage will begin the later of a) your requested date or b) two days prior to the date the application was received by Assurant Health.) Dates of the 29th, 30th and 31st are not available.
Coverage will take effect provided the following conditions are met: Your completed application and full premium payment are received by Assurant Health and you meet the requirement for acceptance.
Q. What is the definition of a pre-existing condition?
A. A pre-existing condition is an illness or injury for which the covered person received medical advice, diagnosis, treatment or services from a physician within the 12 month period prior to the covered person's effective date; or that produced signs or symptoms within the 12 month period prior to the covered person's effective date.
Q. How many times can the plan be renewed?
A. Student Select is renewable as long as you need it...and, of course, as long as the premiums are paid. This is important after graduation while looking for a job.
Q. When will I receive confirmation or acceptance of the application?
We will review the application for eligibility and check the submitted premium.
If you apply via the Internet, you will receive an email message with confirmation or acceptance of the application shortly after it is submitted. Your identification card and contract will be sent to the "correspondence address" indicated within approximately 72 hours of receipt.
If you print out the application and mail it to us, most eligibility determinations are made within 48 hours of receipt. If the application is complete and the full premium is paid, the identification card and contract will be sent to the "correspondence address" indicated within approximately 72 hours of receipt.
Please Note: If you are required to provide proof of insurance to your school, please submit the application at least two weeks before proof of coverage is needed.
Q. If I graduate or drop out of school, will I lose coverage?
A. No, your Student Select policy stays with you for as long as you need it and, of course, as long as premiums are paid.
Q. Will coverage be in jeopardy if I drop a class?
A. No, not as long as:
1) You met the definition of an eligible student on the date the application was signed.
2) You attended school full-time for 31 days after the policy effective date.
3) The premium is paid in full.
Eligibility
Q. Who is considered an eligible student?
A. An eligible undergraduate student is defined as a person carrying at least nine credit hours. An eligible graduate student must meet the graduate student guidelines of the college or university for full-time student status*. Students must attend a state-accredited college or university. Please check with your college or university to see if the school is listed in the 2001 Higher Education Directory. The student must be under the age of 30 and be able to answer "NO" to the medical questions on the application.
You must be a full-time student for a minimum of 31 days following the effective date of your policy.
* Assurant Health will accept the school's definition of full-time.
Q. Some schools operate on a quarterly schedule. Full-time undergraduate status is six to eight credits per term. Do I qualify for Student Select?
A. Yes. You should tell us in writing (attached to the application) that you are attending a school with a quarterly class schedule and are meeting the school's definition of full-time status.
Q. I am a foreign exchange student. Am I eligible for Student Select coverage?
A. Yes, as long as you meet the eligible student status requirement defined above.
Q. Can I add my family members (spouse and dependents) to my policy?
A. The Student Select plan is designed for individual college students only and does not cover spouses and/or dependents. Student Select does, however, comply with any state requirements for newborn coverage.
Q. When can I apply for a policy? I would like to apply now but won't be a student for another month?
A. You can apply as soon as you are enrolled to be an eligible student.
Q. How far in advance can I apply if requesting a later effective date? In other words, can I apply in July but request an effective date for September 1st when school begins?
A. Yes, but keep in mind the full premium must be paid with the application. The policy will be sent out as soon as it is issued. We would prefer that the application not be completed more than 60 days prior to the requested effective date.
Benefits
Q. Are there additional benefits available?
A. Maternity benefits are available in most states for an additional charge. Additional benefits such as psychiatric, substance abuse/mental illness, alcohol, and rehabilitation vary by state.
Q. Does the Student Select plan cover me when I go out of state?
A. The Student Select plan travels with you anywhere in the United States, its possessions and Canada. And, although it does not cover you in a foreign country, Student Select does cover you for an emergency medical evacuation to the home country or a facility operating within its laws.
Q. Are prescription drugs covered?
A. Prescribed drugs are covered if you are hospitalized as an inpatient. Since outpatient drugs are provided through most university health centers, they are not a covered benefit with Student Select. This helps keep the plan affordable.
Q. How often does the deductible start over?
A. With the Student Select plan, the deductible is a "calendar-year" deductible. This means it starts over again on the first day of each new calendar year. The Student Select plan includes a carryover deductible feature that looks at any covered charges you had in October, November or December of the previous year that goes toward meeting the deductible. We will carry over the full amount of these charges to the next year to help meet the new calendar-year deductible.
Preauthorization
Q. Is preauthorization required with a Student Select policy?
A. Yes. An authorization service is used which ensures you receive the most appropriate and cost effective care available. Trained staff work with you and your physicians to review the course of treatment and advise you of your eligibility for benefits. The identification card you receive with your policy provides a toll-free number for easy access to this service. The authorization process must be followed in its entirety to receive maximum benefits. The policy explains the authorization process in detail. The number to call for Student Select preauthorization is 800-454-5105.
Payment Options
Q. What are my payment options?
A. You may select an annual or semi-annual payment mode. MasterCard and Visa are accepted.