Deciding to go with one insurance company is hard enough, and usually you want to base your decision upon the size of the coverage zone that they employ around the area in which you live. It’s really important that your insurance company has a strong presence when it comes to the local hospitals for which they provide coverage. After all, you don’t want to be in your time of need and end up desperately scrambling across town to find the one doctor that’s approved with your plan. That’s why if Fortis Health Insurance is your best type of coverage provider, that’s what you want to go with.
However, something else that you’re going to find when you’re looking for the right type of plan, is that you have a lot of options. Especially from a company like Fortis Health Insurance, which is also now known as Assurant Health. You’ll find that you have 5 major choices actually, and each is going to provide something a bit different from the others. That’s why it’s so important you determine which type of plan is right for you, and what type of coverage that you actually need:
1) Individual health insurance.
This is the main plan that most people buy into, and it’s the type of plan that you get if you don’t have an employer and you need to provide for your own health insurance. That means it provides the broad range of protection that you need, with several customizable options. You can choose a deductible you’re comfortable with, which in turn effects the type of premium you will end up getting. What you’re also going to find is that this provides all your preventive, as well as hospitalization and other types of coverage that are so vital.
2) Short term health coverage.
If you just need coverage in the temporary sense, then Fortis Health Insurance has plans designed just for you. These are ideal for getting coverage for a short time span, whether you just need some insurance for a month period, or if you need coverage for up to a year as well, you can get the type of plan that you really need. This way, if you’re in a career transition, or if you’ve recently lost your job, you can still afford to pay for medical expenses without too much issue.
3) Assurant Health Access
A bit of a more unorthodox plan, this is where the insurance doesn’t actually pay for your medical expenses at all, but rather provides you with money that you can use towards anything that you need. Whether it’s money to pay your bills, or to pay the medical costs that you’re encountering, how you use the money is all up to you. While that can sound like a good idea, it’s not always the same as having insurance, because hospitals tend to charge you more when insurance doesn’t cover a part of the cost, so you have to be careful.
4) Supplemental health insurance
These are plans that provide you with coverage so that you can ensure you have just what you need when it comes to anything that a standard health plan does not provide for. Let’s say that Assurant Health is not your current main insurance provider, but they have benefits that you want like dental, or vision coverage. You’re able to buy into these specific benefits utilizing supplemental insurance plans, and add it onto your existing coverage. This way, you can pick and choose which type of coverage you want or need, as an addition to standard major medical.
5) Small business group health insurance
Finally, rounding out the plans, Fortis Health Insurance also provides small businesses with just the tools they need to provide benefits to employees. When you want to be able to compete with the big corporations for the best possible employees that you can get for the money, you have to offer up a comparable amount of bonuses to attract them. That’s why you have to offer insurance, so that people will know that they can get great benefits. With insurance benefits like those offered through Assurant Health, you can ensure that your plans are totally affordable, and yet will feature fantastic coverage.