Complaint Review: Assurant Health - Milwaukee Wisconsin

If you look at any of Assurant's product brochures it clearly states that" as long as you inform assurant of your pre-existing condition and you are accepted by the insurance company they will cover the pre-existing condition; unless an exclusionary rider is attached." That is on the max plan and core med plans and on thier hsa plans. Just understand you can be declined coverage for pre-existiing conditions. If you let them know about it and they decide to insure you with out an exclusionary rider then they cover it....period. Now if you dont tell them about any pre-existing condition and they find out about that condition then here is what happens..... they can decline to cover the condition for one year. I hope that is all that happens to someone who gets caught withholding medical information on an application. It can get much worse. In the claims review process they can determine if they would have insured you or not with the proper information and can cancell your policy leaving the client holding the bag of medical bills. Non the less if you buy short term insurance....it is cheap...but it is not fully underwritten and does not COVER PRE-EXISTING CONDITIONS..full medical plans ment for coverage of over 6 months is a different ball game.

If you look at any of Assurant's product brochures it clearly states that" as long as you inform assurant of your pre-existing condition and you are accepted by the insurance company they will cover the pre-existing condition; unless an exclusionary rider is attached." That is on the max plan and core med plans and on thier hsa plans. Just understand you can be declined coverage for pre-existiing conditions. If you let them know about it and they decide to insure you with out an exclusionary rider then they cover it....period. Now if you dont tell them about any pre-existing condition and they find out about that condition then here is what happens..... they can decline to cover the condition for one year. I hope that is all that happens to someone who gets caught withholding medical information on an application. It can get much worse. In the claims review process they can determine if they would have insured you or not with the proper information and can cancell your policy leaving the client holding the bag of medical bills. Non the less if you buy short term insurance....it is cheap...but it is not fully underwritten and does not COVER PRE-EXISTING CONDITIONS..full medical plans ment for coverage of over 6 months is a different ball game.

If you look at any of Assurant's product brochures it clearly states that" as long as you inform assurant of your pre-existing condition and you are accepted by the insurance company they will cover the pre-existing condition; unless an exclusionary rider is attached." That is on the max plan and core med plans and on thier hsa plans. Just understand you can be declined coverage for pre-existiing conditions. If you let them know about it and they decide to insure you with out an exclusionary rider then they cover it....period. Now if you dont tell them about any pre-existing condition and they find out about that condition then here is what happens..... they can decline to cover the condition for one year. I hope that is all that happens to someone who gets caught withholding medical information on an application. It can get much worse. In the claims review process they can determine if they would have insured you or not with the proper information and can cancell your policy leaving the client holding the bag of medical bills. Non the less if you buy short term insurance....it is cheap...but it is not fully underwritten and does not COVER PRE-EXISTING CONDITIONS..full medical plans ment for coverage of over 6 months is a different ball game.

I am a multi-line insurance broker who sells Assurant Health policies as a product in my health and life portfolio. The insurance laws of most states state that it is a client's responsibility as an applicant to health insurance to read all questions on the application carefully. It states in the product brochures and even the application that pre-existing conditions are not covered for 12 months from the date of policy inception. If a person does not report a pre-existing condition on the application, then that does not change the fact that he or she has one. If in doubt, I would recommend not completing an application until all of your questions and concerns have been addressed adequately. I know that there are pushy agents out there that are just trying to make a buck, but as an agent who cares about others I urge you to obtain all of the facts in advance. Sincerely, BMob

As an agent for Assurant in Michigan, Virtigo has come up quite a bit. If a potential client currently has it with symptoms, it is a straight decline. If they have shown no symptoms for more than a year, then a person could possibly be approved with a rate-up. I would be curious if you went through Assurant, or an agency in Nevada?

As an agent for Assurant in Michigan, Virtigo has come up quite a bit. If a potential client currently has it with symptoms, it is a straight decline. If they have shown no symptoms for more than a year, then a person could possibly be approved with a rate-up. I would be curious if you went through Assurant, or an agency in Nevada?

As an agent for Assurant in Michigan, Virtigo has come up quite a bit. If a potential client currently has it with symptoms, it is a straight decline. If they have shown no symptoms for more than a year, then a person could possibly be approved with a rate-up. I would be curious if you went through Assurant, or an agency in Nevada?

As an agent for Assurant in Michigan, Virtigo has come up quite a bit. If a potential client currently has it with symptoms, it is a straight decline. If they have shown no symptoms for more than a year, then a person could possibly be approved with a rate-up. I would be curious if you went through Assurant, or an agency in Nevada?