Access to care...

Access to care is becoming more important than in years past. Access to care is simply the ability for you to get the health care you need when you need it. Many medical facilities and hospitals are now requiring payment in advance of services provided if you do not have a valid health plan. In small communities all over this country hospitals are struggling with collecting fees for services provided after the fact.

If you do not have a qualified health plan you may be faced with a situation like this. And if you do not have the savings to pre-pay for your services then what? Access to care is almost a non-issue if you have a quality health plan. You will still be responsible for your deductibles and copays but at least you will not be denied at the door.

Protection against catastrophic loss...

Most all major medical plans have a clause in their policy that today is called the "Maximum Out-of-Pocket Limit". This feature is the mechanism that protects you from excessively high medical expenses. It places a dollar limit on the total amount you have to pay for many covered services in a calendar year, including your deductible. Without it you could end up having to pay for a much larger percentage of the cost of care.

Large Deductibles make economic sense today...

For many people the word deductible is a bad word. But it is the one feature in a health plan that you have control over and can change by raising the amount and thus reducing your monthly premiums. The monthly cost of a health plan today is quickly becoming so high that many people are choosing to go without. This can be a dangerous decision should an unexpected illness or injury arises.

Get the coverage you need while controlling costs...

So what is the answer to constant rise in premiums? Well you need to make some choices first. One option today is to select a major medical plan with a high deductible so that your monthly premiums are lower. But what about the exposure that a high deductible plan brings? We suggest that you consider bundling your high deductible plan with Supplemental Coverage products that will pay you CASH based on the type of plan purchased - Accident, Critical Illness, SuiteSolutions, or Dental. By adding Supplemental Coverage to a High Deductible Plan you can effectively reduce your out-of-pocket exposure in the event if an accident or critical illness diagnosis.

Choose CorMed for a high-value plan...

For a major medical plan that delivers unbeatable value, check out CoreMed with a $750 facility fee and prescription drugs subject to the plan deductible and coinsurance. CoreMed covers 100% of certain recommended preventive services as “first-dollar” coverage when network providers are used, and like all Assurant Health major medical plans, it comes with a 12-month rate guarantee for new policyholders. CorMed is one of Assurant Health's best-priced major medical plans. The CoreMed plan is a smart, affordable choice and offers you the most for their money.

Choose from deductible options from as low as $500 and as high as $25,000. CorMed provide you with more than enough dedeductible options that meet the definition of a high deductible. With CoreMed, you have the freedom to use any doctor or hospital - and when you use PPO network providers, you get advantages like discounts on covered services, no claim forms and fewer out-of-pocket expenses.

Pair CorMed with Supplemental Coverage Options... (not available in all states)

Accident - CASH benefits to help pay the unpredictable costs that come with accidental injuries. Whether an injury is yours, your spouse's or your child's, it can mean spending money you didn't plan to, worrying about where you'll get the cash for medical costs or worse yet, lost income. With Assurant Accident Coverage, you get cash benefits for treatment of injuries and they're benefits paid in addition to any other coverage you may have. Best of all, it's cash in hand you can us any way you choose, which helps you and your family focus on healing.

• Cash benefits add up - you get multiple cash benefits, paid for each covered injury or service - even for the same accident
• Benefits while you recover - including follow-up treatment, physical therapy and prosthetics
• No overall annual or lifetime limits - benefits available no matter how many times you need them
• Benefits begin immediately - no waiting period
• Choose any doctor or hospital for services - no netwrok restrictions
• No preauthorization required

Critical Illness

Cash benefits to help pay the overwhelming costs that come with a critical illness. Critical Illness Coverage give you a lump sum cash payment at the first diagnosis of a critical illness. The benefit can help you face out-of-pocket medical costs, unforseen additional expenses and everyday bills, and is especially reassuring if you're also impacted by lost income. You receive your cash benefit directly and can use it any way you choose, which helps you focus on your recovery.

SuiteSolutions

Today, many people are choosing major medical plans with higher deductibles to keep premiums at a level that fits their budgets. Secure Solution and SelectSolution compliment higher deductible plans with benefits that help you pay out-of-pocket health related expenses. Both plans are brought to you through your membership in Health Advocates Alliance.

Dental Coverage

Cash Benefits to help pay for dental check ups and treatment. Regular dental care can mean more than a brighter smile and a better quality of life it could also mean better overall health. Dental Coverage pays cash benefits when you or your family members receive dental check ups and treatment, making it easier to keep up with regular visits to the dentist, and lead a healthier life. Receive a discount on your dental coverage when you add it to your Assurant Health Medical Plan. Or apply for Dental by itself.