The Georgia
RightStart PPO plan from Assurant gives you essential coverage for the
most affordable price. This plan is good if you are without insurance
or want to save on premiums. With this plan not only will you have access
to doctors and hospitals but you will receive significant discounts on medical
services.
Time
Insurance, formerly known as Fortis Health Insurance,
is an Assurant Health member company.
With
more than 110 years of experience, Assurant / Time
Insurance has maintained a solid reputation for high quality products,
financial stability and a commitment to the health insurance industry.
RightStart
Rates:
Preferred
rates without riders are available on our instant
quote page. Please
contact us for rates on the optional benefits.
All rates depend on gender, smoking status, zip code, and health status.
The
premium can be paid via quarterly, semi-annual, or annual billing or credit
card payment. There is a one-time $20 application fee, which is refunded
if the application is declined or not accepted. The initial premium
can be paid with a check or credit card.
Initial
Monthly Premium: Unlike most companies, Time Insurance will allow you
to submit an application on a C.O.D. basis. What this means is that
you may submit your application without submitting the first month's premium,
which would not be due until your application has been approved. At
that time, you will instantly be billed for your first month's coverage.
At times, depending upon your requested effective date, your first bill may
be for two month's coverage, as you will be billed for the period of time
that you have been covered prior to receiving your approval (if applicable),
as well as the full premium for the next month of coverage.
RightStart
PPONetworks:
PHCS
- Georgia Network
- PHCS Network is one of the largest PPO networks in the country, with over
400,000 providers and nearly 3,700 facilities. - Find
a Provider
Having
access to the PPO network can mean substantial discounts in what you pay for
your health care, even before you meet your deductible.
RightStart
Underwriting:
If
you are in good health, Assurant has the quickest underwriting in the industry.
About 25 percent of our applications go through the Express Yes approval,
and you can print out your insurance card today. Just apply
online, and if you answer “no” to all 17 questions and the
electronic check of your Medical Information Bureau and Rx record comes back
clean, you will be approved immediately.
Seventy-five
percent of the remaining apps are approved within 48 hours. If medical
records are needed, then it may take significantly longer while the underwriter
waits for the physician to send the records.
Certain
conditions may be wavered with a temporary rider (usually for one to two years),
or an indefinite rider. If pre-existing conditions are disclosed on
the application they will not be determined to be pre-existing and will be
considered for coverage.
It
is standard practice to request a Blood Pressure Inquiry on all applicants
who are currently being treated for or who have recently discontinued treatment
for high blood pressure.
RightStart
Effective dates:
Assurant
/ Time Insurance
coverage can go into effect as quickly as one day, though you risk being declined
if claims are submitted before the underwriting process is completed. You
may request an effective date any time between the day after you sign the
application and 45 days later, with the exception being that an application
cannot become effective the 29, 30 or 31 of any month.
Please
note, if you are requesting an effective date of less than 21 days from the
time you complete the application, you may not receive notification of your
approval until after your effective date. If you have claims during
this period, they will be eligible for coverage if submitted after you have
been approved. Also note that you will be billed starting on your requested
effective date, even if you have not yet been notified that you have been
approved. This is very good for someone who does not have any present
coverage and would like for their benefits to begin right away. For
those who are already covered, it is suggested that you maintain your current
coverage in force until you have received notice from either eGAHealthInsurance
or directly from Time Insurance that
your coverage has been approved and is in force.
About
Time Insurance:
Time
Insurance is
a national health insurance company developing and providing individual medical,
small group, short term and student health insurance products. In business
since 1892, the company provides health insurance coverage for over one million
people nationwide. With almost 3,000 employees, Time Insurance is headquartered
in Milwaukee, Wis., and has operations offices in Minnesota, Idaho, and Georgia,
as well as sales offices across the country.
Time
Insurance has been assigned a rating of A- (Excellent) from
the A.M.
Best Company, an independent insurance rating organization.
eGAHealthInsurance
is an independent authorized Assurant / Time Insurance
agent in Georgia.
