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Elite PortfolioBuilt on Familiar plans:
• MaxPlan Elite
• CoreMed Elite Plan
• RightStart Elite Plan
• OneDeductible Elite Plan
• SaveRight HSA Elite Plan
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Exclusive Features of Elite:
• $25 million lifetime maximum benefit for MaxPlan Elite, CoreMed Elite and OneDeductible Elite
• Increased preventive services benefits– $1,500 for MaxPlan Elite and OneDeductible
Elite– $1,000 for CoreMed Elite, RightStart Elite and
SaveRight HSA Elite
• Eliminated $75 emergency room fee on all Elite plans
• New coinsurance out-of-pocket maximum amounts for MaxPlan Elite, CoreMed Elite and RightStart Elite
• New non-network deductibles and coinsurance out-of-pocket maximum amounts for all Elite plans
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Out-of-Pocket Changes • Coinsurance out-of-pocket maximums for MaxPlan Elite,
CoreMed Elite and RightStart Elite:– 50/50 and 60/40 coinsurance OOP increased $1,000 – 70/30 and 80/20 coinsurance OOP increased $2,000
• Non-network deductibles and coinsurance out-of-pocket maximums: Non-network deductible
— Individual deductible plus:Non-network coinsurance out-of-pocket maximum
MaxPlan Elite $2,000 (Family: individual x 2) $10,000 (Family: 20,000)
CoreMed Elite
$2,000 (Family: individual x 2) $15,000 (Family: $30,000)
RightStart Elite
$2,000 (Family: individual x 3) $15,000 (Family: $30,000)
OneDeductible Elite
$2,000 (Family: individual + $4,000)
$10,000 (Family: $20,000)
SaveRight HSA Elite
$2,000 (Family: individual x 2) $15,000 (Family: $30,000)
Note: Only 3% of Assurant Health PPO policyholders use non-network providers
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Additional Product Enhancements:
• Dental Plus—higher-level benefits for dental insurance, including $75/visit for semi-annual well services
• Office visit copay available with $5,000 and $10,000 deductibles—on MaxPlan Elite and CoreMed Elite plans
• Maternity benefit waiting period: 90 days for all plans
• Maternity option – for RightStart Elite and SaveRight HSA Elite (in states where approved)
• Deductible credit pilot: – New customers: 8 month pilot program that credits
10% of the selected deductible when proof of prior coverage is provided*
– Inforce customers: First quarter test providing 10% deductible credit in 2008 for selected renewing customers
* Available with MaxPlan Elite, CoreMed Elite and OneDeductible Elite.
The Assurant Health Elite Individual Health Insurance Portfolio is further enhanced by IM product changes.
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Elite Sample Rates: CoreMed, $5,000 DedMarket Current Plan Elite Plan
Dallas (752): $240.49 $238.09
Chicago (606): $170.47 $168.39
Kansas City (640): $140.31 $138.80
Ft. Lauderdale (333): $190.23 $188.13
Phoenix (850): $158.38 $156.20
Atlanta (303): $187.34 $186.63
Assumptions:• Male, age 40; Spouse, age 40 • CoreMed, Preferred Risk, February 1, 2008 effective date• Current Plan: $6M Lifetime Max, $5,000 Ded, 50% Coinsurance (60% Atlanta),
$3,500 coinsurance out of pocket ($3,000 Atlanta), $750 Facility Fee, with 24 month rate guarantee
• Elite Plan: $25M Lifetime Max, $5,000 Ded, 50% Coinsurance (60% Atlanta), $4,500 coinsurance out of pocket ($4,000 Atlanta), $750 Facility Fee, with 24 month rate guarantee
• Networks: HealthLink – Chicago; Coventry – Atlanta; North Broward – Ft. Lauderdale; all others -- PHCS
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Elite Sample Rates: OneDeductible / HSAMarket Current Plan Elite Plan
Dallas (752): $424.53 $431.24
Chicago (606): $295.17 $300.03
Kansas City (640): $259.01 $262.83
Ft. Lauderdale (333): $356.52 $361.91
Phoenix (850): $314.22 $318.75
Atlanta (303): $288.68 $293.43
Assumptions:• Male, age 40; Spouse, age 40• OneDeductible HSA, Preferred Risk, February 1, 2008 effective date• Current Plan: $8M Lifetime Max, $5,700 Ded, 100% Coinsurance, 12 month rate
guarantee• Elite Plan: $25M Lifetime Max, $5,700 Ded, 100% Coinsurance, 12 month rate
guarantee• Networks: HealthLink – Chicago; Coventry – Atlanta; North Broward – Ft.
Lauderdale; all others -- PHCS
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Elite Sample Rates: CoreMed, $3,500 DedMarket Current Plan Elite Plan
Dallas (752): $299.06 $295.61
Chicago (606): $211.43 $208.61
Kansas City (640): $175.63 $173.23
Ft. Lauderdale (333): $241.89 $238.58
Phoenix (850): $198.99 $196.06
Atlanta (303): $236.31 $234.13
Assumptions:• Male, age 40; Spouse, age 40 • CoreMed, Preferred Risk, February 1, 2008 effective date• Current Plan: $6M Lifetime Max, $3,500 Ded, 50% Coinsurance (60% Atlanta),
$3,500 coinsurance out of pocket ($3,000 Atlanta), $750 Facility Fee, with 12 month rate guarantee
• Elite Plan: $25M Lifetime Max, $3,500 Ded, 50% Coinsurance (60% Atlanta), $4,500 coinsurance out of pocket ($4,000 Atlanta), $750 Facility Fee, with 12 month rate guarantee
• Networks: HealthLink – Chicago; Coventry – Atlanta; North Broward – Ft. Lauderdale; all others -- PHCS
Note: 24 month rate guarantee available March 15 on $3,500 Deductible