Q: Is short-term medical right for me?

Assurant Health Short-Term Medical insurance provides affordable, reliable protection against the devastating financial effects of unexpected illness and accidents. Short-Term Medical is perfect for you if you are:
      • A recent college graduate
      • Dependent no longer covered on a parent’s plan
      • Between jobs or laid off
      • Looking for an alternative to COBRA* coverage
      • Waiting for employer-sponsored coverage to begin
      • A temporary or seasonal employee

Q: How long does short-term medical coverage last?

Short-term medical insurance policies always have a termination date. The expiration date of coverage depends on the length of coverage you choose. Short-term medical is available for periods of 30-360 days.

Q: Can I keep my current doctor?

Yes! Assurant Health short-term medical coverage allows you to choose your doctors and hospitals.

Q: Are short-term medical plans easy to attain?

Short-term medical plans are much easier to qualify for than a permanent health policy. After answering a few medical questions, coverage can be available as early as the next day! Short-term medical is great for individuals looking to obtain temporary coverage until they are eligible for a permanent plan.

Q: Is Assurant Health a trusted company?

In business since 1892, sales of Assurant Health's temporary health insurance through Time Insurance Company, has made them #1 in the U.S. Assurant Health Short-term medical plans are fully insured by Time Insurance Company, an AM Best rated** A- Excellent carrier! Assurant Health remains extremely competitive, even in light of the recent economic downturn.

*COBRA Disclaimer
COBRA coverage may be the best option for people with health conditions that might make them ineligible for other insurance plans, who are in a course of treatment or who have significant pre-existing conditions. To preserve your right to a guaranteed-issue plan under HIPAA, you must exhaust your COBRA coverage.

** AM Best Rating and Analysis of Time Insurance Company, June 2009.

 

Disclaimers

• In order to place insurance, Marsh enters into agreements commonly called "agency agreements" which authorize Marsh U.S.Consumer,a service of Seabury & Smith, Inc. to solicit the sale of the insurers' products and sets forth the terms of trade between Marsh U.S.Consumer,a service of Seabury & Smith, Inc. and the insurers. As part of Marsh's best practices we are disclosing the following information regarding our compensation on your health insurance policy. If you elect to apply and the application is medically approved and issued by the carrier, Marsh U.S.Consumer,a service of Seabury & Smith, Inc. will be paid commissions on the first year premium as well as the renewal premium should you elect to renew the policy in the future. The following grid shows you the percentage commission Marsh U.S.Consumer,a service of Seabury & Smith, Inc. will receive:

  	First Year	Renewal
  Assurant Health (Short-Term Medical)	29%	N/A

  The base medical rates filed by the carriers with the state agencies are the same rates provided to you. State law mandates that the premium charged to the insured be consistent regardless of whether you purchase through an agent/broker or go directly to the insurance company. The above commission percentages may differ in some states and all carriers are not available in all states. By clicking "Get Quote", you are acknowledging and consenting to the above terms. You can count on Marsh U.S.Consumer,a service of Seabury & Smith, Inc. to offer high quality health insurance programs that will meet you and your family's needs. Marsh & McLennan Companies, Inc. and its subsidiaries own equity interests in certain insurers and have contractual arrangements with certain insurers and wholesale brokers. Information regarding such interests and contracts is available at http://global.marsh.com/about/Transparency.php Your premium payment indicates your consent to this commission for this policy period and subsequent renewals, including any changes in commission rates at any such renewals.