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Plan Limitations and Exclusions

These plans include limitations and exclusions.

General summary of limitations and exclusions for plans associated with “starting at” prices:

Major Medical Insurance
Short Term Medical Insurance

For Arizona residents, state-specific limitations and exclusions pertain to the following plans:

Major Medical Insurance
Short Term Medical Insurance

As you select a plan, please check the specific benefits, limitations and exclusions listed as these may vary by state. To learn more about these plans, request a quote or go to the full site and apply online.

*Disclaimers

Note about Plan Availability: The next regular open enrollment period starts November 15, 2014, for Assurant Health Major Medical plans with effective dates starting January 1, 2015. Assurant Health is only selling Major Medical plans during open enrollment and special enrollment periods, except in Nevada. There may be other carriers that make these plans available all year.

For Nevada residents: Major Medical plans can be purchased year round without a qualifying life event. If you apply without a qualifying life event outside of open enrollment, your coverage will begin on the first day of the month after 90 days from the date you applied.

Open Enrollment/Special Enrollment: The next open enrollment period starts November 15, 2014 for Assurant Health Major Medical plans with effective dates starting January 1, 2015. For those with a qualifying life event, Assurant Health major medical coverage may still be purchased during a 60-day special enrollment period.

Qualifying Life Event: This is when your health insurance is changing or you experience a major life event that allows you to enroll in an Assurant Health Major Medical plan outside of the normal open enrollment period. Examples include (but are not limited to): loss of health insurance, marriage, birth or others.

Major Medical Insurance – Individual: Rate is for illustration only and is based on a 3/1/2014 effective date for Phoenix, AZ 85001, male age 27 for the Bronze level plan with a $6,000 deductible and 100% coinsurance. To see specific plan benefits, limitations and exclusions for your situation, get a quote.

Coverage is renewable provided there is compliance with the plan provisions, including dependent eligibility requirements; there has been no discontinuation of the plan or Assurant Health’s business operations in this state; and/or you have not moved to a state where this plan is not offered. Assurant Health has the right to change premium rates upon providing appropriate notice.

Major Medical plans are Minimum Essential Coverage and you will not be subject to a tax penalty if you maitain this coverage throughout the year.

Short term Medical Insurance - Individual: Rate is for illustration only and is based on a 3/1/2014 effective date for Phoenix, AZ 85001, male age 27 for the Short Term Medical plan (up to 6 months) with a $5,000 deductible, $2 million lifetime maximum and a 50/50 coinsurance %. Rate does not include a one-time $25 application fee. To see specific plan benefits, limitations and exclusions for your situation, get a quote.

Coverage is not renewable.

These plans are not Minimum Essential Coverage and you may be subject to a tax penalty depending upon your income level and the cost of plans available.

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