You and your dependents may be eligible for benefits through Assurant or elsewhere:
This chart explains who is eligible to enroll in the Assurant Health and Dental Plans.
See the Assurant Affiliate Health and Welfare Benefit Plan Summary Plan Description (SPD) for a full description of dependent eligibility and any documentation required for all plans.
- Refer to the Assurant Affiliate Health and Welfare Benefit Plan Summary Plan Description (SPD) for the definition of a domestic partner and the tax implications of domestic partner coverage.
- Eligible children include your own and your spouse's/domestic partner's biological and adopted children.
Assurant will honor a Qualified Medical Child Support Order relating to provisions for child support, alimony payments, or marital, domestic partnership or civil union property rights that may require you to provide medical coverage to an eligible child. If Assurant receives such an order, you will be notified of how it will be handled with respect to your benefits.Dependent Eligibility Verification
At Assurant, we value our employees' wellbeing and strive to provide you and your family members with market-competitive and affordable health care coverage. An important component of controlling health care costs is ensuring that only eligible dependents are enrolled in Assurant's benefit plans. If you elect coverage for your dependents under the Assurant Health Plan or Dental Plan, you'll be required to verify your dependents’ eligibility. After your enrollment, you’ll receive a mailing at your home address from Mercer, the consulting company that Assurant's working with to administer this process. Please read the materials you receive carefully and return all requested documents by the deadline indicated in the letter. If you don't provide the required documentation by the deadline, your dependents will be removed from coverage.
If you have other medical coverage such as through your spouse’s/domestic partner’s employer, you can waive Health Plan coverage under the Assurant program. Although Assurant does not require that you submit proof of your other medical coverage before allowing you to waive Health Plan coverage, we maintain the right to request such proof at any time.
The Health Insurance Marketplace offers health plans to the public. Please visit HealthCare.gov or call 800.318.2596 for information on health insurance available through the Healthcare Exchange Marketplace or visit IRS.gov/aca regarding potential government tax credits. You also may qualify for Medicaid based on government eligibility rules. Visit cms.gov to find more information.
Affordable Care Act Standards and Assurant Health Plan
The Assurant BLUE, GREEN and ORANGE Plan options offered to eligible U.S. Assurant employees meet the "minimum value threshold" of coverage required by the Affordable Care Act. The ORANGE Plan option also is intended to meet the definition of “affordable,” depending on your household income. Since the Assurant Health Plan meets these standards, eligible Assurant employees likely will not qualify for a tax credit via the Marketplace. However, employees always have the choice of purchasing other coverage on their own through the Marketplace.
Note: If you waive coverage under the Assurant Health Plan and purchase coverage through the Marketplace, you cannot re-enroll in the Assurant Health Plan until next year's Annual Enrollment period unless you experience a qualified life event and report it through MyHR within 30 days.
Also, if you enrolled in the Assurant Health Plan and later decide you want to purchase coverage through the Marketplace, you cannot cancel your enrollment in Assurant’s Health Plan until next year's Annual Enrollment period, unless you experience a qualified life event and report it through MyHR within 30 days.