**Any descriptions of coverage on this page may not be current and should not be taken as a description of coverage. Any persons seeking to get a full description of coverage should view Colorado plan description forms and/or brochures for the plan they are interested in.
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Individual and Family Plans for Colorado
Time, formerly known as Fortis/Assurant, focuses on individual and family health insurance. They've been doing it for over a hundred years. Because they have been around so long, they understand that clients in Colorado need a wide variety of plan options for an equally wide variety of financial planning needs. With Time, you'll get health insurance with options like:
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Up to an $8 million lifetime benefit maximum
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Worldwide coverage, 24 hours-a-day
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Your choice of doctors and hospitals from extensive networks
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No referrals necessary to see a specialist
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First-year rate guarantee
Below, we will explain the plans that Time offers in Colorado, from the most comprehensive (and typically most expensive) to the most basic plan - Right Start. Assurant Health also offes Short Term and Student Health Insurance plans. Time Insurance Company has an A.M. Best rating of A- (Excellent).
Traditional Plan
- Freedom to choose any doctor or hospital without penalty — the most flexible health plan.
- Great plan for those living outside a network area
Physician Hospital Plan - The Most Options
- The most deductible choices — and discounts when you use doctors and hospitals in a large network
- Unlimited office visit copayments with the optional Doctor Office Copay
- Lower “out-of-pocket” expenses for non-network services than other plans
PPO X-tra Plan - Cost Control and Choices
- Premium conscious plan with big incentives for using network services
- Deductible options from $500 to $5,000
One Deductible PlanSM
- A single deductible for the whole family rather than one for each person — easy to meet the deductible and easy to track!
- Add a Health Savings Account (HSA) for possible tax benefits
Value Plan
- An economical health insurance plan with no separate annual maximum, outpatient services maximum or prescription drug benefit maximum.
- Up to a $6 million lifetime benefit ($2 million standard)
Right Start Plan ℠
- Our most affordable major medical plan provides basic benefits for everyday needs
- Includes plan limitations such as an annual benefit maximum, outpatient services benefit maximum and prescription drug benefit maximum to keep the premium low
Assurant Health markets products underwritten by Time Insurance Company.
