Is it just me, or are Assurants rates appearing to more competitive in Texas...?? I have been writing a fair amount of Assurant lately, and the non-copay rates have been very competitive and even beating alot of the other guys. I know Assurant has a bad reputation in TX for their rates, but maybe I've just been writing in good zip codes...
Assurant- zipcode 75067 one male 35 with 31 year old spouse both non smokers and 3 children. I have the Max plan( 1000ded,80/20,35office copay,3000oop) at [COLOR=red]$1096.15[/COLOR]
Unicare- Same zip and family under Fit plan on (1000ded, 80/20,30 off copay, 3000oop) at [COLOR=red]$618.00[/COLOR]
Fit plan has $250.00 brand name prescript ded and Assurant $500.00 + 20% copay on brand name.
[COLOR=red]$479.00[/COLOR] a month savings going with Unicare!
Unicare HSA - zip 75067 - male 40, female 40, 2 kids. $5,000 individual, $10,000 family deductible at 80% coinsurance. Drug copay start after the deductible? Rate = $482
Assurant HSA - same info - $5,700 individual deductible, $10,000 family at 80% coinsurance. Drugs are free after deductible - $452
Personally I like 100% coinsurance but it doesn't like Unicare has that option.
That's Assurant all the way. Plus you add accident production and the free HSA account. Doesn't look like Unicare has a HSA admin.
Assurant- zipcode 75067 one male 35 with 31 year old spouse both non smokers and 3 children. I have the Max plan( 1000ded,80/20,35office copay,3000oop) at [COLOR=red]$1096.15[/COLOR]
Unicare- Same zip and family under Fit plan on (1000ded, 80/20,30 off copay, 3000oop) at [COLOR=red]$618.00[/COLOR]
Fit plan has $250.00 brand name prescript ded and Assurant $500.00 + 20% copay on brand name.
[COLOR=red]$479.00[/COLOR] a month savings going with Unicare!
Shhhhhhhh....you keep the Assurant agents thinking they have the best rates so we will have stuff to replace....
First of all, no 100% coinsurance for family HSA for Unicare? That stinks.
Secondly - male 45 in 78613 Unicare $142. HSA "compatible?" That's trailer trash. Tell them to get an admin. I'd certainly like to know what the benefits are for:
Durable medical equipment
Therapy
Skilled nursing
Hospice care
Ground/air ambulance
I guess it's a secret. The Unicare webite apparantly wants me to apply without knowing.
Assurant - same quote - $184 for the regular HSA - preferred is $159.
I'd take Assurant - far superior plan. You can hammer me on PPO copay plans and rates in TX - but Assurant's HSA is superior.
Why would anyone recommend a copay plan anyway? Why doesn't Unicare have 100% family coinsurance? Where's all the policy details?
Durable medical equipment [COLOR=Red]covered[/COLOR]
Therapy [COLOR=Red]covered...and you do not really want me to tell you how assurant covers this..[/COLOR]
Skilled nursing [COLOR=Red]covered[/COLOR]
Hospice care [COLOR=Red]covered [/COLOR]
Ground/air ambulance[COLOR=Red] covered[/COLOR]
Why doesn't Unicare have 100% family coinsurance? Where's all the policy details?
What if you could get the Benz for $50 more a month then the Chevy? Caps on AIDS? Ambulance? $360 benefit for therapy? Scott....you've lost your mind. Assurant is clearly far superior coverage.
You can sell based on rates - I'll sell based on value.
What if you could get the Benz for $50 more a month then the Chevy? Caps on AIDS? Ambulance? $360 benefit for therapy? Scott....you've lost your mind. Assurant is clearly far superior coverage.
You can sell based on rates - I'll sell based on value.
little more than that.......45,45,3 kids 78613....looking around I see more chevys on the road than benz's.....
HSA Compatible Plan 2 $5450 ded. then 80/20..... $374.00
Ass.one ded $5700 ded then 80/20.......$498.97
Ass.one ded $4200 ded then 100%......$720.24.....compared to the prem diff. on plan 2...$4,154.88 a yr. in cash in my clients pock....
HSA Compatible Plan 3 $10,000 ded then 100%......$298.00.compared to the prem diff. on 1ded above..$5,066.88 a yr. in cash in my clients pock
The question is Scott, do you compare both Assurant and Unicare plans to your clients, point out that Assurant has better coverage for a higher rate and let them choose? Or do you just ram Unicare up their ass?
little more than that.......45,45,3 kids 78613....
HSA Compatible Plan 2 $5450 ded. then 80/20..... $374.00
Ass.one ded $5700 ded then 80/20.......$498.97
Ass.one ded $4200 ded then 100%......$720.24.....compared to the prem diff. on plan 2...$4,154.88 a yr. in cash in my clients pock....
HSA Compatible Plan 3 $10,000 ded then 100%......$298.00.compared to the prem diff. on 1ded above..$5,066.88 a yr. in cash in my clients pock
So you're telling me you get what you pay for? Cheap rates = cheap coverage? Imagine that.
The question is Scott, do you compare both Assurant and Unicare plans to your clients, point out that Assurant has better coverage for a higher rate and let them choose? Or do you just ram Unicare up their ass?
Assurant's Rates in Texas
$138.51 
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