Plan Types
To choose the best health insurance plan,
you need to understand what different plans offer and what their benefit
and cost trade-offs are. No matter what your individual needs, Assurant
Health has the right plan:
 Network
Plans
With a network plan from Time / Assurant
Health, you take your pick of providers within a large network of
physicians and hospitals offering negotiated rates. The providers' reduced
fees lead to lower premiums, deductibles and co-payments for you.
Traditional
Plans
The Time / Assurant Health traditional plan offers you complete freedom to
choose the doctor or hospital you wish, without penalty. The flexibility
of a traditional plan makes the most sense if you live outside a network
area.
Health
Savings Account (HSA) plans
A Health
Savings Account (HSA) plan consists of a federally-qualified high
deductible health insurance plan and a tax-sheltered HSA. The high
deductible plan, which costs less in premium compared to a conventional
plan, covers bills that exceed the deductible. You may pay smaller bills
and some other expenses not typically covered by health insurance with
pre-tax dollars if you set up an HSA. HSAs also help you save for your
future needs since the funds roll over from year to year tax-free.
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