Assurant Pennsylvania health insurance plans are provided through Assurant’s parent company, Time Insurance. And although Time is a reliable and established company, I only occasionally recommend their Pennsylvania health insurance coverage.  Their “short-term” plans offer reasonable premiums in many parts of the state. These plans also offer many coinsurance and deductible options, which is a feature many other carriers don’t offer. Other temporary plans in the state that are very popular include policies from UnitedHealthcare, Celtic and the Blue Cross companies.

An important consideration is their Pennsylvania rates. In many parts of the state, their rates are quite high. For example, Assurant’s monthly rate for comprehensive coverage (husband/wife ages 45 with two children) is $751, compared to United HealthCare’s rate of $546 and Aetna’s rate of $606. Assurant’s “MaxPlan” was compared to similar policies from other companies. In fairness, these rate samples were from a few years ago.

Assurant’s Pennsylvania’s HSA insurance rates are also high in many parts of the state. The monthly rate for a $5700 family deductible is $452. HealthAmerica’s rate for a $5000 deductible is only $368 and United HealthCare’s rate for a $5500 family deductible is only $365. Plan coverages were fairly similar. However, their rate for their $7,500 and $10,000 deductibles is sometimes attractive and worth considering. In Western Pennsylvania, their lower deductible options are reasonable.

Assurant also offers additional health insurance plans at reduced rates, including the  “CoreMed” plan. But coverages are greatly diminished and similar plans are also available from most of Pennsylvania’s other health companies. In some instances, however, the CoreMed policy will meet your needs and offer a premium that is within your budget. The $7,500 deductible seems to be one of the best options.

While considering Pennsylvania health plans, I always research all of the major companies. But in most situations, Assurant’s rates and coverages are not as competitive as other Pa carriers. When/if this changes, I will include their most affordable options in my recommendations.

UPDATE July 2011- Assurant, while still not a major player in the state, does have fairly low rates in selected pockets of the state. I actually anticipate the number of pockets to slowly increase so we’ll make sure we provide those situations to you. When (and if) the Pennsylvania Health Insurance Exchange becomes a reality in 2014, it will be interesting to see what Assurant’s role will be.

UPDATE February 2012- No major changes in rates to report. The State Exchange may or may not become a reality. A Supreme Court ruling in a few months on parts of the health care reform legislation could help define the role of the Exchanges.

 

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