Colorado Health Insurance

With all of the buzz and complaints about high deductibles and high health insurance premiums, we at Erickson Financial Services are always on the lookout for creative and innovative products that address these problems. 

Assurant Health has come up with an HSA compatible product in which the plan deductible decreases by 10% for each 6 month period that the deductible has not been used up.  Deductibles can go as low as $1500 for an individual and $3000 for a family.  If the deductible is ever met during a calendar year, it simply resets to the original plan deductible the following January 1st, and the process starts all over again. 

Rates are extremely competitive for those who qualify for preferred and standard pricing.  This is an excellent solution for healthy individuals looking to get the most bang for the buck with their health insurance dollars.

Additional advantages with this product include:
1.)  Optional Supplemental Accident coverage which will cover expenses not paid for by the health plan on a per person, per accident basis.  We strongly recommend this optional benefit for families with little children, families with children who are involved in sports at school and individuals who lead active lifestyles.
2.)  Optional first dollar preventive care coverage (up to $500/per person per year)
3.)  Optional 2 and 3 year rate guarantees! 

Perks:
Assurant Health offers a service along with their healthplans called Patient Care.  The service basically gives you the negotiated rates among a choice of three different healthcare providers that you can use to compare pricing when it comes to healthcare services that you may need.  This service helps you make the best use of your health savings dollars and deductible expenses.  This is a step in the right direction for health insurance companies,  a practice that more insurance companies should consider implementing for their consumers.

Click here to get a free, instant rate quote, and see if the Assurant Health One Decreasing Deductible Plan is right for you. 

Unfortunately, the Colorado Division of Insurance has deemed this health insurance plan as "unfair", and therefore, it has been forced to be removed from the market effective 7/1/09.   Anybody who already has it can keep it, but no new policies will be offered with a "decreasing deductible".