Cost and Coverage Comparisons
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Assurant offers three comprehensive Health Plan options - BLUE, GREEN and ORANGE:

Health Plan Options

These Plan options have different deductibles, coinsurance, out-of-pocket maximums and per paycheck contributions. Under all three Plan options:

  • Coverage is provided for both in-network and out-of-network care
  • In-network preventive care is 100 percent covered
  • Prescription drug coverage is included
  • Care from specialists can be covered even without a referral 
  • Coverage offers protection from catastrophic expenses
  • Wellbeing programs are available for you and your family

The BLUE Plan option has a Health Reimbursement Account (HRA). The GREEN and ORANGE Plan options have a Health Savings Account (HSA). These health accounts work differently so be sure that you fully understand the benefits of each.

 

 Health Plan Options
 
BLUE GREEN ORANGE
 
What the Plan pays
In-network Preventive Care 100 percent
Health Plan Account
Health Reimbursement Account Health Savings Account
Annual Assurant contributions to your HRA or HSA (individual/family)1 $200/$400
Lifetime maximum2 Unlimited
Medical Coverage  
In-network services
80% 90%
Out-of-network services
60% 70%
 
What you pay
Per Paycheck Contribution(full-time and part-time employees, discounted, non-tobacco users) 
Employee-only
$119.47$87.49
$44.31
Employee & Spouse/Domestic Partner
$340.02
$276.63
$209.75
Employee & Child(ren)
$294.99
$237.94
$177.75
Employee & Family
$518.88
$430.13
$336.50
Annual Deductible (individual/family)1,3, 6  
In-network services
$950 / $1,900 $1,700 / $3,400 $2,800 / $5,600
Out-of-network services
$1,950 / $3,900 $2,700 / $5,400 $3,800 / $7,600
Medical Coinsurance  
In-network services
20% 10%
Out-of-network services
40% 30%
Annual Out-of-Pocket Maximum (individual/family)1,6,7  
In-network services
$3,450 / $6,900 $4,200 / $8,400 $4,800 / $9,600
Out-of-network services
$6,450 / $12,900 $7,200 / $14,400 $7,800 / $15,600

2019 Prescription Drug Coverage

 Retail (30-day supply) Mail order prescriptions or retail maintenance prescriptions at a CVS pharmacy (90-day supply) 5
 Coinsurance Minimum per prescription Maximum per prescription Coinsurance Minimum per prescription Maximum per prescription
Generic 4 50% $0 $50 50% $0 $125
Preferred brand 50% $10 $75 50% $20 $150
Non-preferred brand 50% $40 $100 50% $80 $200


1. Family" includes Employee & Spouse/Domestic Partner, Employee & Child(ren), and Employee & Family
2. There is a $20,000 lifetime maximum benefit on infertility treatment.
3. If you elect Family coverage under the BLUE or GREEN Health Plan option, benefits begin once the entire family deductible is met (except for preventive care benefits and preventive prescription drugs). If you elect Family coverage under the ORANGE Health Plan option, benefits begin for a family member once that family member satisfies the individual deductible. Benefits begin for the entire family once the entire family deductible is met.
4. Generic preventive prescriptions are covered at 100 percent. Brand name preventive prescriptions are not subject to the Plan’s deductible. All non-preventive prescriptions are subject to the Plan’s deductible. Caremark periodically reviews their formulary. Certain formulary medications may be excluded from coverage from time to time and impacted members will be notified.
5. For long-term maintenance medications, the Plan allows for two 30-day fills of maintenance medications at any pharmacy in the CVS Caremark network. After that, the Plan will cover maintenance medications only if you have 90-day supplies filled through mail-order or at a CVS Caremark Pharmacy.
6. If you elect Family coverage under the BLUE, GREEN or ORANGE Health Plan option, eligible expenses for all covered family members can be combined to meet the family annual in-network out-of-pocket maximum. However, under the GREEN and ORANGE Health Plan options, an individual enrolled in Family coverage may also meet the individual in-network out-of-pocket maximum and covered eligible expenses for that individual will be paid at 100 percent.
7. Deductibles and out-of-pocket maximums for in- and out-of-network services must be met separately — they do not cross-accumulate.

Additional Notes:

 

  • Assurant will not cover fees related to any HSA if you are not enrolled in the GREEN or ORANGE Plan option.
  • Benefit coverage for non-tax-qualified dependents, which includes domestic partners, must be made on an after-tax basis. In addition, the employer contribution toward the cost of benefit coverage for a non-tax-qualified dependent will be included in your taxable income and income taxes will be withheld from your paycheck each pay period based on this amount. This amount, also known as imputed income, will be included in your annual gross income for federal tax purposes and shown on your Form W-2.
  • Any amount accumulated toward your in-network deductible/out-of-pocket maximum also will count toward your out-of-network deductible/out-of-pocket maximum (and vice versa).