Affordable Health Insurance Individual Medical Plans


	Independent Agent Representing Assurant Health
	Independent Agent Representing Assurant Health

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DOWNLOADABLE BROCHURES & OTHER INFORMATION BELOW:

Assurant Individual/Family Plans

Short-Term Insurance Plans

BLUE CROSS BLUE SHIELD Plans

USA+ Health Coverage

Other Individual/Family Plans

AFLAC Policies

HSA PLANS

MEDICARE Supplements

FLASH Website (Life/Health)

HEALTHY "Green" PRODUCTS

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uote Type:

Safety Net Resources Insurance is a small insurance brokerage company with primary office in Bensenville, Illinois. Safety Net specializes in

two major parts of health insurance markets - individual health insurance plan coverage and group benefits / employee benefits for small-size businesses.

Individual Medical Coverage
We offer a variety of affordable health insurance plans for individuals in families. Even for those labeled as "uninsurable", we have affordable health access plans that provide medical coverage and prescriptions benefits. We have Assurant Health plans, Blue Cross Blue Shield of Illinois Individual Health Insurance plans, United Health Care - Golden Rule Health Insurance, and USA+ / Team Corp affordable health access plans. Out individual health insurance plans allow you to choose your own doctors and hospitals within the selectable networks, without the need to get a referral to see a specialist. For people between jobs, or recently laid-off, we have short-term health insurance plans for you. These short-term medical plans provide you good coverage for a price that is usually much lower than pricey COBRA insurance plans. Short-term health insurance is as good for students just out of college looking for that first big job. You can get short-term health coverage for 30 to up to 360 days. For seniors and retirees, we offer all the top carriers and plans for Medicare supplemental insurance plans, including the popularly advertised aarp Medicare supplements. Medicare supplement plans include coverage for the Medicare Part D drug plans. We also offer individual dental insurance plans to provide individual dental coverage and discounts to clients. For those who already have health insurance and/or dental insurance at the work, we have Aflac supplemental catastrophic insurance plans to help people cope with major accidents, cancer, heart attacks, strokes, and other major health events.

◊    PPO, HSA, Dental, & Other Plans
     Plans for Everyone & Every Budget
◊    Short-Term Temporary Plans
     Alternatives to COBRA (30 to 360 day plans)
◊    Simple Application Process
     Customize Plans, Get Quotes, & Apply Online or call us
◊    “UNINSURABLE” ? We can get you covered.
◊    Prescription Drug Coverage
◊    Student Health Insurance Plans
◊   Medicare Supplements - All Plans, All Carriers
◊   Life Insurance - Term, Whole Life, Retirement

choose the insurance plan that's best for you, your family and your business.

Life Insurance
Small Group Health Insurance
Dental Insurance
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Group Benefits / Group Insurance / Employees Benefits
Specializing in Employee Benefits for Small & Mid-Size Companies (1 to 300 Employees)
Cost-Saving Quality Group Health Insurance Plans
◊    Blue Cross Blue Shield PPO, HMO, & HSA Plans
◊    United Health Care PPO, HMO, & HSA Plans
◊    Humana PPO, HMO, & HSA Plans
◊    Assurant Individual PPO & HSA Plans (Ideal for Smaller Start-up Companies)
◊    Many Other Major Insurance Carriers also Available
◊    Insurance Deductible Gap Insurance (Employee-paid through Pre-tax Payroll Deductions)
◊    Creative Ways to Save Employers Money While Offering Quality Coverage
◊    Dedicated Service to Help You Tailor Plans that Fit Your Needs & Budget
◊    Mix & Match Plan Types such as some employees with HMO, some PPO, some HSA
◊    Fast Quotes and Personal Attention to Every Detail
Additional & Supplemental Benefits
◊    Set-up of Section 125 Cafeteria Plans Pre-tax Payroll Deduction Plans
◊    Dental, Vision, Group Life, & Individual Life Plans
◊    Insurance Deductible Gap Insurance giving you & employees more insurance plan flexibility
◊    Short-Term Disability Income Protection with Some Plans that can be Paid by Employees
◊    AFLAC Catastrophic Coverage & Other Employee-Paid Supplemental Insurance Plans
Other Services From Our Business Partners
◊    HR & Payroll Services
◊    Pre-Paid Legal Plans

◊    PPO, HMO, & HSA Health Insurance Plans
     Multiple plan types can be used to suit budget & needs.
     Carriers: BCBS, UHC, Humana, Assurant, & Others
◊    Dental, Vision, & Group Life Insurance
     HMO, PPO, & Indemnity Dental Insurance Plans
◊    Individual PPO & HSA Plans
     Ideal for Smaller Start-up Companies
◊    Employee-Paid Supplemental Plans
     Gap Insurance to Cover Insurance Deductibles
     Aflac Castastrophic Plans & Short-Term Disability
     Long-term Care, Extra Maternity Coverage, Dental, & Vision
◊    Disability Income Protection for Business Owners
     Short-term & Long-term Coverage through Age 70
◊    Top Carriers to Customize the Best Group Plans

SAFETY NET CUSTOMER SERVICE
Safety Net Resources believes that business owners deserve prompt and detail-minded service while saving you time and money. We can take care of the details and show you all options that may be suitable for your business and budget while leaving the decisions up to you. There are no insurance carriers that we favor that would drive us to push any particular plan. Carriers are listed in this brochure only to highlight a few of the options we offer. Building strong and long-lasting business relations with satisfied clients is our objective. We aim to help you maintain superior employee loyalty at the lowest possible cost of your time and money.

INDIVIDUAL/FAMILY HEALTH & LIFE INSURANCE
Providing the Financial Safety Nets Individuals & Families Need Most
Health Insurance for Individuals & Families
◊    Customized Low Cost PPO & HSA Plans with Extensive Doctor & Hospital Networks
◊    Get Quotes and Apply Online or Let us assist you in making a more informed choice
◊    Many Plans Available for The “UNINSURABLE” Who’ve Been Turned Down in the Past
◊    Short-Term Temporary Plans - Low-Cost Alternatives to COBRA (30 to 360 day plans)
◊    Prescription Drug Coverage
◊   100% Coinsurance Option takes the guesswork out of what you owe
◊    Lock in Low Rates for 1 to 3 Years
◊    Simple Application Process, Coverage as Early as the Next Day
◊    Student Health Insurance Plans
◊    Carriers Include Assurant, Blue Cross Blue Shield, UHC Golden Rule, USA+ & Team Corp.
◊    Individual & Family Dental Plans
◊   Medicare Supplements - All Plans, All Carriers

There are a variety of reasons that you may find yourself in the market for temporary or short-term health insurance. You may have graduated from college and can no longer be covered on your parent's policy, but don't have a job yet that will provide coverage. You may have lost or left your job and now need health insurance coverage until you find a new one. Or you may have started a new job and have to wait a period of several months before you are covered under their plan. Whatever the reason, going without health insurance coverage, even for a few months, can be a costly gamble. If you find yourself in this predicament, temporary health insurance coverage may just be the key to solving your dilemma.

Self-praise is no praise. So we don? want to praise ourselves on the effort put in writing on health insurance. instead, we would like to hear your praise after reading it!

What Is Temporary Health Insurance Coverage?

It's basically just what the name suggests. Temporary health insurance coverage offers you the opportunity to continue to be covered under a health plan for a limited amount of time, usually one to six months, although there are plans out there that will cover longer periods of time. If you find you will need to be covered for more time than you originally thought, some temporary policies can be extended past their expiration date, but you may want to consider getting a more traditional health insurance plan instead.

After many hopeless endeavors to produce something worthwhile on health insurance, this is what we have come up with. We are very hopeful about this!

What Do These Plans Cover?

We do not mean to show some implication that health insurance have to rule the world or something like that. We only mean to let you know the actual meaning of health insurance!

Temporary health insurance plans cover most of the same types of medical occurrences that permanent policies do, but there are some very important differences.

For one, these plans are usually strictly indemnity plans. Preventative treatments like check-ups, as well as dental and optical coverage are generally not covered. Pre-existing medical conditions and work-related injuries or illnesses are also not covered.

Your temporary health insurance policy will generally cover any emergency medical care you may need, prescription drugs, hospital and intensive care needs, lab and x-ray needs, ambulance care, and even some in-home medical care.

How Do I Get It?

Your first step should be to find an agent that specializes in temporary health insurance. Decide in advance how many days or months you need the coverage and when you want it to start. Pay attention to the 'exclusion' clauses in the policy and ask questions about any concerns you may have. Review the application and make sure all your personal information is correct before you sign anything. Also, remember to get a copy of all paperwork for your files.

The cost of the temporary health insurance plan will depend on the type of coverage you pick. To keep the cost down, you can choose to have a higher deductible with a 50/50 co-insurance option rather than the more common 80/20 ratios. There are some extras that you may want to consider, though. With the high cost of prescription medicines, you may be better off buying the coverage rather than leaving it off.

We have omitted irrelevant information from this composition on health insurance as we though that unnecessary information may make the reader bored of reading the composition.

We have used a mixture of seriousness and jokes in this composition on health insurance. This is to liven the mood when reading about health insurance.

The important thing is to read through the temporary health insurance policy carefully and make sure you are being offered the coverage you think you are paying for.

SAFETY NET PLANS
These plans give individuals and families a Safety Net in case of major life events that can disrupt everything including your ability to work. Sometimes, even for those (and their families) who feel they have “good insurance”, can lose their assets as a result of unfortunate accidents or illnesses. Examples include income reductions due to an accident or illness, or fighting Cancer with so many “non-covered” expenses for treatment while losing work income . Statistics show that the #1 cause of Bankruptcy is due to major health events, with a majority of them having “good insurance” from their employers. Here are some insurance plans that can provide the financial Safety Nets we all need in our lives.
◊    LIFE INSURANCE - Term Life, Whole Life, Universal Life, Retirement Planning
◊    LONG-TERM CARE INSURANCE - Protect your assets! Nursing homes cost $57k to $166k/year.
◊   DISABILITY INCOME PROTECTION - Protect your income short-term or long-term to 70.
◊   AFLAC Catastrophic Coverage such as Cancer & Major Health Event Protection, Accident Plans

Get Affordable Health Coverage
Even though you work hard, in trying economic times
it can be hard to find an affordable option for the
everyday health insurance benefits you value.
Especially when:
• Your employer doesn’t offer coverage
• Coverage at work is too expensive for you right now
• You’re covered, but the cost to cover your children is out of reach
• You’re not eligible for benefits through

Assurant Affordable Health Access provides you with a choice of three limited-benefit plans for affordable access to services you value most, like doctor’s office visits and prescriptions.
Health Access Plans also deliver benefits that can help keep you well, like preventive care and immunizations, which may help reduce your need for health services down the road.
It’s easy to qualify for Health Access Plans, too. One of the plans
doesn’t require you to answer any medical questions about your
health, or your family’s health. You can cover whom you choose
–– just you, just your children, or everyone in your family.
And everyone gets access to network discounts, so you can
save money. All Health Access Plans are portable –– so even
if you leave your current job, your plan goes with you.
Health Access Plans may not be right for everyone.
It’s important to know these plans have specific dollar limits that make them more affordable. Get a closer look at the specific benefits and limitations in this brochure so you’ll know if Health Access Plans ––
an affordable option for the everyday benefits you value –– are right for you.

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 group, short term 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. The Assurant Health

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, is traded on the New York Stock Exchange under the symbol AIZ. Assurant has more than $20 billion in assets and $7 billion in annual revenue. The Assurant

Take a Closer Look
Choosing a health insurance plan to protect yourself and your family is serious stuff –– and digging into the details can help you make a knowledgeable, informed decision about these limited-benefit plans.
Take a look at the specific benefits for all three Health Access Plans below.

Affordable Rates Bring It All Together
Get quick pricing information for Health Access Plans from the monthly rates below, so you know right
away what these plans mean to your pocketbook.

Take a Closer Look
Choosing a health insurance plan to protect you and your family is serious stuff –– and digging into the details can help you make a knowledgeable, informed decision about these limited-benefit plans.
Take a look at the specific benefits for all three Health Access Plans below.
Know Your Limits
To keep these plans affordable, Health Access Plans have benefit limits. For example, for Health Access Plans B and C, no benefits are paid for charges incurred due to a pre-existing condition until you have been
continuously insured under your plan for 12 months. It’s important you understand the limits of Health Access Plans. But, even after you’ve hit a dollar limit –– you’ll still save money from the network discounts
you’ll receive as part of these plans.
Benefits for your everyday needs
HEALTH ACCESS PLAN A
Benefits for your everyday needs plus $100,000 for your inpatient needs
HEALTH ACCESS PLAN B
Benefits for your everyday needs plusb$200,000 for your inpatient needs
HEALTH ACCESS PLAN C
Office Visit Copay –– for what you value
You pay your copay and the plan pays 100% of the remaining cost of an
eligible office visit up to $150 per visit for examination, consultation,
evaluation, development of a treatment plan, immunizations and
allergy shots. An office visit during which you receive services only
for immunizations and allergies does not apply to your 4-visit annual
limit; however, your copay and the $150 maximum per visit still apply.
• You pay a $25 copay for each office visit to a primary care
physician or retail health clinic
• You pay a $35 copay for each office visit to a specialist physician
• Copay applies to each of four office visits per person
per calendar year
• We pay up to $150 per office visit
• You pay a $25 copay for each office visit to a primary care
physician, retail health clinic, specialist or health care
practitioner
• Copay applies to each of four office visits per person
per calendar year
• We pay up to $150 per office visit
• You pay a $25 copay for each office visit to a primary care
physician, retail health clinic, specialist or health care
practitioner
• Copay applies to each of four office visits per person
per calendar year
• We pay up to $150 per office visit
Prescription Drugs –– for more of what you value • You pay a $10 copay for generic drugs
• You pay a $50 copay for brand-name drugs
• We pay up to $750 in benefits per calendar year
• You pay a $10 copay for generic drugs
• You pay a $50 copay for preferred brand-name drugs
• You pay a $75 copay for non-preferred brand-name drugs
• We pay up to $250 in benefits per calendar year
• You pay a $10 copay for generic drugs
• You pay a $50 copay for preferred brand-name drugs
• You pay a $75 copay for non-preferred brand-name drugs
• We pay up to $750 in benefits per calendar year
Outpatient Medical Services • We pay up to $250 in benefits for outpatient x-ray and lab only • You pay a $200 deductible*
• We pay 80% of covered charges up to $500 per calendar year
• You pay remaining 20% of covered charges
• You pay a $200 deductible*
• We pay 80% of covered charges up to $1,000 per calendar year
• You pay remaining 20% of covered charges
Includes office visit services, outpatient hospital, surgical center or urgent care facility.
Surgical Services
Surgeon • We pay up to $250 in benefits per calendar year
• Must be performed during an office visit
• Includes surgeon benefits for both inpatient and outpatient
services paid to the scheduled benefit amount. Benefits paid per
surgery vary greatly –– your agent can provide more details.**
• Includes surgeon benefits for both inpatient and outpatient
services paid to the scheduled benefit amount. Benefits paid per
surgery vary greatly –– your agent can provide more details.**
Assistant Surgeon Not covered • We pay up to 20% of amount paid for surgery • We pay up to 20% of amount paid for surgery
Anesthesiologist Not covered • We pay up to 20% of amount paid for surgery • We pay up to 20% of amount paid for surgery
Ground and Air Ambulance
Not covered • We pay up to $100 ground/$1,000 air –– per trip, up to two trips
per calendar year
• We pay up to $100 ground/$1,000 air –– per trip, up to two trips
per calendar year
Emergency Room
Not covered
• We pay up to $250 in benefits for each of two visits
per calendar year after $100 emergency room fee
• Fee is waived if admitted to the hospital
• We pay up to $750 in benefits for each of two visits
per calendar year after $100 emergency room fee
• Fee is waived if admitted to the hospital
Inpatient Benefit Facility Charges
Not covered
• We pay up to $750 in benefits per day for sickness
• We pay up to $1,000 in benefits per day for injury
• We pay 80% and you pay 20%, up to $100,000, in benefits
per calendar year based on the daily inpatient limits.
You pay any balance.
• We pay up to $2,000 in benefits per day for sickness
• We pay up to $4,000 in benefits per day for injury
• We pay 80% and you pay 20%, up to $200,000, in benefits
per calendar year based on the daily inpatient limits.
You pay any balance.
Other Non-surgical/Non-facility
Inpatient Services Not covered
• Considered under the inpatient per day maximum
• Coinsurance applies
• Considered under the inpatient per day maximum
• Coinsurance applies
Life Insurance Not covered • We pay up to a $10,000 benefit, for primary only • We pay up to a $10,000 benefit, for primary only
Lifetime Maximum • Services are subject to calendar-year maximums • $1 million • $1 million
Medical Questions for Qualification • No medical questions to qualify • Limited medical questions to qualify • Limited medical questions to qualify
Health Access Plans provide limited benefits and all covered services are subject to calendar-year maximums. These are not major medical health plans and are not
replacements for them. The amount of benefits depends upon the plan selected and the premium will vary with the amount of benefits. Read all coverage documents
carefully upon receipt. For a complete listing of benefits, limitations, and exclusions, please refer to your coverage documents. In AL and WI, individual medical
coverage cannot be marketed through the workplace of an employer with 2-50 full-time employees.
J-63926 (10/2008)
* Family deductible maximum is two times the deductible and is met collectively by two or more persons.
** Agents can access the surgical schedule at www.assuranthealthsales.com.
Not for use in AZ, FL and TX. Health Access Plan A is not available in TX. AZ and FL have state-specific benefits.
Good
limited-benefit
plan
Better
limited-benefit
plan
Best
limited-benefit
plan

Exclusions Summary
It’s important to know what’s not covered through your plan. Note that no benefits are provided for the
following, except where state mandates apply:
This brochure provides summary information. For a complete listing of benefits, exclusions, and limitations, please refer
to the certificate of insurance. In the event there are discrepancies with the information in this brochure, the terms and
conditions of the coverage documents will govern.
Health Access Plan A is not available in TX.
In addition, there is a state-specific pre-existing condition definition for TX.
Assurant Health is the brand name for products underwritten and issued by Time Insurance Company and John Alden Life Insurance Company.
J-61764 (Rev. 2/2009)
FOR PLAN A:
• Charges not specifically listed as covered under the
Medical Benefits and Outpatient Prescription Drug Benefits
provisions or incurred before the covered person’s effective
date or
after coverage termination date
• Charges for conditions from any work for wage or profit;
a work-related condition eligible for benefits under Workers’
Compensation, employers’ liability, or similar laws, even
when the covered person doesn’t file a claim. (Doesn’t
apply to a covered person not requiring coverage under
any Workers’ Compensation, employers’ liability, or
similar law, and does not have such coverage. However,
the covered person must receive services in accordance
with the Medical Benefits provisions.)
• Charges for routine dental care, masseur, masseuse, or
massage therapist services or massage therapy, or a rolfer
• Charges for any amount in excess of any maximum
benefit for covered services
• Charges for vitamins and/or vitamin combinations
even if prescribed by a health care practitioner
• Charges for over-the-counter drugs or medicines
whether or not prescribed by a health care practitioner
• Charges for drugs or medicines used to treat, impact, or
influence athletic performance, body conditioning,
strengthening, or energy; social phobias; slowing
the normal processes of aging; daytime drowsiness;
overactive bladder; dry mouth; excessive salivation;
genetic make-up or genetic predisposition; prevention
or treatment of hair loss, excessive hair growth,
or abnormal hair patterns
• Charges for biological sera; vaccines and other
immunizing agents; injectable parenteral
administration, except insulin or Imitrex
FOR PLANS B AND C:
• Charges incurred due to a pre-existing condition until
you have been continuously insured for 12 months
• Illness or injury caused by war, commission of a felony,
attempted suicide, influence of an illegal substance or
level of substance, or a hazardous activity
• Routine hearing care, routine vision care, vision therapy,
surgery to correct vision, routine foot care, or foot orthotics
• Cosmetic services including chemical peels, plastic
surgery and medications
• Charges by a health care practitioner or medical provider
who is an immediate family member
• Custodial care, home health care or hospice care
• Charges reimbursable by Medicare, Workers’
Compensation or automobile insurance carriers
• Hormone stimulation treatment to promote or delay growth
• Routine dental care, unless you choose the dental
insurance option
• Treatment for TMJ or CMJ and certain jaw/tooth disorders
• Charges for educational testing or training, vocational or
work hardening programs, transitional living, or services
provided through a school system
• Diagnosis and treatment of infertility
• Maternity, pregnancy (except for complications of
pregnancy), routine newborn care, surrogate pregnancy
and routine nursery charges
• Storage of umbilical cord stem cells or other blood
components in the absence of sickness or injury
• Genetic testing, counseling, and services
• Durable or personal medical equipment
• Services provided by a chiropractor
• Charges for sex transformation, treatment of sexual
dysfunction or inadequacy, or to restore or enhance
sexual performance or desire
• Charges incurred for drugs obtained outside of the
United States
• Over-the-counter products
• Contraceptive drugs or devices
• Drugs not approved by the FDA
• The difference in cost between a generic and brand
name drug when the generic is available
• Treatment of “quality of life” or “lifestyle” concerns,
including, but not limited to: smoking cessation; obesity;
hair loss; sexual function, dysfunction, inadequacy, or
desire; or cognitive enhancement
• Treatment used to improve memory or to slow the
normal process of aging
• Behavior modification or behavioral problems, except
for diabetes self-management training and education
• Prophylactic treatment
• Telemedicine (including but not limited to treatment
rendered through the use of interactive audio, video,
or other electronic media)
• Experimental or investigational services
• Charges for any amount in excess of any benefit maximum
• Charges for homeopathic medicines or non-medical items
• Treatment of behavioral health (mental/nervous
disorders) and substance abuse
• Charges for adjustments or subluxation treatment
• Charges for non-covered services and associated
complications
• Charges for take-home drugs dispensed at an institution
(other than a pharmacy)
Pre-Existing Conditions (Plans B and C only)
A pre-existing condition is an illness or injury and
related complications for which, during the 12-month
period immediately prior to the effective date of your
health insurance coverage: 1) you sought, received
or were recommended medical advice, consultation,
diagnosis, care or treatment, 2) prescription drugs
were prescribed, 3) symptoms were produced, or
4) diagnosis was possible. Benefits are not paid for
charges incurred due to a pre-existing condition until
you have been continuously insured under the plan for
12 months. After the 12-month period, benefits are
paid for a pre-existing condition, unless the

Affordable Health Coverage
everyday health insurance benefits Coverage at work is too expensive

cost to cover your children
not eligible for benefits

Assurant Affordable Health Access

limited-benefit plans for affordable access

doctor’s office visits and prescriptions.
Health Access Plans

preventive care and immunizations,

health services

Health Access Plans

medical questions about your
health, or your family’s health.

family.

ey. All Health Access Plans are portable –– so even
if you leave your current job, your plan goes with you.
Health Access Plans may not be right for everyone.
It’s important to know these plans have specific dollar limits that make them more affordable. Get a closer look at the specific benefits and limitations in this brochure so you’ll know if Health Access Plans ––
an affordable option for the everyday benefits you value –– are right for you.

Affordable Rates Bring It All Together
Get quick pricing information for Health Access Plans from the monthly rates below, so you know right
away what these plans mean to your pocketbook.

people