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Health Access Plans are underwritten and issued by Time Insurance Company, an Assurant Health Company.
Easy to Qualify Family Insurance

Easy to Qualify

  • No extra charge for smoking or taking a maintenance medication such as for high blood pressure or cholesterol.
  • No surcharges for height and weight.
  • No exclusions added for health conditions, for example, like asthma.
  • No medical exams needed to qualify.
  • No Social Security Number needed to apply.
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Know Your Limits: All Health Access plans are limited-benefit fixed-indemnity plans. This means they are not major medical insurance plans. Fixed-indemnity benefits are provided for hospital confinement and specified medical and surgical events. These benefits are paid in specific amounts for covered events without regard to the costs of services rendered. This plan does not provide expense reimbursement for charges based on your health care provider’s bill. It's important you understand the limits of Health Access Plans. But, even after you've hit a dollar limit -- you'll still save money from the network discounts you'll receive as part of these plans.

*Credit for Previous Coverage
The pre-existing condition provision may not apply to a covered person who was continuously covered for an aggregate period of 18 months under any creditable coverage that was in effect up to a date not more than 63 days before the covered person's effective date of coverage under this plan.

Health Access Plans provide limited benefits and all covered services are subject to calendar year maximums. These are not major medical health plans and are not replacements for them. The amount of benefits depends upon the plan selected, and the premium will vary with the amount of benefits. Read all coverage documents carefully upon receipt. For a complete listing of benefits, limitations and exclusions, please refer to your coverage documents.

Overview of Benefits



Every Day Needs Every Day Needs You Value
Surgical Benefits Surgical and Hospitalization Benefits
Other Info Other Info

Access Fundamentals Plan

Limited Benefits for every day needs

Hospital Benefits: $200,000 maximum

Office Visit Copay

(Preventive exams *** included)
  • You receive $50 per office visit up to 4 visits per calendar year.

Prescription Drugs

(Preventive exams *** included)
  • You receive $10 per generic prescription.
  • You receive $25 per brand prescription.
  • We pay up to $750 per calendar year for all prescriptions.

Allergy Shots and Immunizations
  • You receive $10 per immunization.
  • You receive $10 per allergy shot.
  • We pay up to $100 per calendar year for all allergy shots and immunizations.

Outpatient Medical Services

(Preventive services *** included)

  • Laboratory Services

    • You receive $100 per surgical pathology test
    • You receive $25 per laboratory service, excluding surgical pathology

  • Radiology Services

    • You receive $100 per mammogram
    • You receive $100 per CT scan
    • You receive $250 per MRI scan
    • You receive $250 per PET scan
    • You receive $50 per other radiology service, including x-ray and ultrasound

  • Physical Medicine Services

    • You receive $25 per occupational therapy, physical therapy and speech therapy visit.
  • You receive $25 per other outpatient event not listed.
  • Limit of $1,000 per calendar year for all outpatient events.

Surgical Services

Surgeon
  • Includes surgeon benefits for both inpatient and outpatient surgery paid to the scheduled benefit amount. Benefits paid per surgery vary greatly - refer to Form 30272 or contact us for more details.

Anesthesia
  • You receive $200 per anesthesia event.
  • Limit of 2 events per calendar year.

Ground and Air Ambulance
  • We pay up to $100 ground/$1,000 air - per trip, up to two trips per calendar year.

Emergency Room
  • You receive $250 per visit limit to once per calendar year.

Inpatient Benefit Facility Charges
  • We pay up to $2,000 in benefits per day for sickness.
  • We pay up to $4,000 in benefits per day for injury.
  • Limit of $200,000 per calendar year for all inpatient confinements.

Lifetime Maximum
  • $1 Million

Medical Questions for Qualification
  • Limited medical questions to qualify.

Pre-existing Conditions
  • Covered after you have been continuously insured under this plan for 12 months.

Benefits After Reaching Maximums
  • MultiPlan Limited Payor Plan
    Access to network at contracted/discounted rates.
    Call 1-888-304-9983 to find your doctor
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