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 may be perfect for you if you are:
      • A recent college graduate
      • Dependent no longer covered on a parent’s plan
      • Between jobs or laid off
      • 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 30-180 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?

Assurant Health is part of Assurant, a premier provider of specialized insurance products and related services in North America and select worldwide markets. Its four key businesses — Assurant Solutions, Assurant Specialty Property, Assurant Health and Assurant Employee Benefits — partner with clients who are leaders in their industries and build leadership positions in a number of specialty insurance market segments in the United States and selected international markets. A publicly held company, Assurant is traded on the New York Stock Exchange under the symbol AIZ. With approximately $US26 billion in assets at year-end 2010 and $US8 billion in annual revenue, Assurant currently has a market capitalization of about $US4.2 billion. In 2011, Assurant was ranked No. 285 on the Fortune 500 list of the largest publicly traded companies in the United States and No. 1123 on the Forbes Global 2000, a ranking of the top 2,000 companies in the world. Assurant is a component of the S&P 500 stock market index.

Disclaimers

• • Marsh U.S. Consumer, a service of *Seabury & Smith, Inc. facilitates the placement of insurance coverage on behalf of our clients.
    
    
  • 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 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.

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    • Marsh & McLennan Companies, Inc. and its subsidiaries, which include Marsh U.S. Consumer, a service of Seabury & Smith, Inc. own equity interests in certain insurers and wholesale brokers. Information regarding such interests is available at http://global.marsh.com/about/Transparency.php.

     

    • In accordance with industry custom, we are compensated through commissions that are calculated as a percentage of the insurance premiums charged by insures.  We may also receive additional monetary and nonmonetary compensation from insurers, or from other insurance intermediaries, which may be contingent upon volume, profitability, or other factors.  This compensation may include payment from insurers for marketing related expenses or investments in technology.  Our compensation may vary depending on the type of insurance purchased and the insurer selected.

     

    • Where permitted by law, we may also earn and retain interest income on premiums held on behalf of insurers during the period between receipt of such payments from clients and the time such payments are remitted to the applicable insurer.

     

    • Marsh is prohibited by law in most states from altering the amount of compensation received the insurer based in whole or in part on the sale of this insurance. ¹

     

    	First Year	Renewal
    Assurant Health Group	29%	5%
    Golden Rule	14%	5%
    Humana	20%	5%

     

    In addition, Marsh may earn additional compensation based upon the volume of policies sold during a specific period of a calendar year for some carriers.  For additional details, please call 312-627-6316.

    Please check state availability as all carriers may not be available in all states.

    The Short Term Medical plan marketed as Assurant Health is underwritten by Time Insurance Company.

    *In California, d/b/a Seabury & Smith Insurance Program Management, California License #0633005.

    ¹ This disclosure is mandated by New York State Insurance Department Regulation No. 194 (11 NYCRR 30.3(b) (5)) (Regulation 194) which we interpret to apply to the various anti-rebating insurance laws throughout the country, such as New York Insurance Law § 2324, which prohibits insurance companies, agents and brokers from sharing or rebating commissions as an inducement to making an insurance contract. Irrespective of whether Regulation 194 applies to anti-rebating laws or whether rebating is prohibited by law in your state, Marsh will not alter its compensation for this program