Assurant Health - One Deductible Health Plan Summary

Assurant Health RightStart HSA PPO Plan

Now you can have health insurance without giving up something else to pay for it. RightStartSM is the health insurance plan that gives you the everyday benefits you and your family value — like a visit to the doctor or help paying for a prescription. And, if you need more serious care, there's protection for that too.

Some health insurance plans offer richer coverage, but it comes at a richer price. RightStartSM brings you and your family health insurance for as much as 50% off the price of other popular plans. And you have access to quality health care facilities and doctors.

It's the access you want and the price you need - right now.

Highlights:

	Deductible options Annual amount you pay before benefits are paid		$500, $1,000 and $2,500 for individual. Family deductible is three times the individual deductible (family = 3 or more people). Individual non-network deductible is plan deductible + $1,000. Family non-network deductible is three times the individual non-network deductible.

	Coinsurance options		50% or 75% Non-network coinsurance is network coinsurance less 20%.

	Coinsurance out-of-pocket maximum Total out-of-pocket maximum equals coinsurance maximum plus deductible		$2,000 when you choose 50% coinsurance. $3,000 when you choose 75% coinsurance. Individual non-network out-of-pocket maximum is $8,000 for both coinsurance options.1 Family non-network out-of-pocket maximum is $16,000 for both coinsurance options.1

	Doctor Office Copay (DOC) Optional benefit		$25 per visit up to 2 visits per person each calendar year.2

	Annual Maximum $50,000 and $250,000 options also available		$100,000 per year

	Outpatient services maximum $5,000 and $10,000 options also available		$2,500 per year (Available with $50,000 and $100,000 annual maximums) (Additional options available with $100,000 and $250,000 annual maximums)

	Prescription drugs maximum Annual maximum amount available as buy-up option		$2,000 limit per person each year Generic: $15 copay / No deductible Brand: $25 copay + 50% coinsurance / $500 deductible.3 (If you choose brand when generic is available, you will pay the difference.)

	Lifetime maximum		$2 million

	Accident Medical Expense (AME) Optional benefit		$300, $500 or $1,000

Note: All maximums are on a calendar-year basis. Options may vary by state.

1 Non-network out-of-pocket maximums do not apply to Traditional plans. Subject to reasonable and customary charges.
2 Doctor Office Copay option not available with Traditional plans.
3 Family deductible is 2 times.

This plan information contains a general summary of benefits. Please refer to the certificate of coverage for actual terms and conditions.