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2004 - 2007 Assurant, Inc. All rights reserved.
Assurant Health is the brand name used for products
underwritten and issued by Time Insurance Company, John Alden
Life Insurance Company and Union Security Insurance
Company. California license numbers: 08109 (Time
Insurance Company), 08107 (Union Security Insurance Company)
and 3894 (John Alden Life Insurance Company). Legal
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Assurant Health Companies:
Time Insurance Company John Alden Life Insurance Company
Union Security Company Form 28280 (4/14/2003) christian counseling credit
NOTICE OF PRIVACY PRACTICES
This notice describes how medical information about you
may be used and disclosed and how you can get access to this
information. Please review it carefully.
Effective date 4-14-03 Assurant Health is required by law
to maintain the privacy of protected health information and to
provide the people we insure with this notice of our legal
duties and privacy practices. Assurant Health is required to
abide by the terms of the Notice. credit federal service union
Who We Are
Assurant Health has been in business since 1892 and is the
brand name for products underwritten and issued by Time
Insurance Company, John Alden Life Insurance Company and Union
Security Insurance Company. Together, these three underwriting
companies provide health insurance coverage for more than one
million people nationwide. Each underwriting company is
financially responsible for its own insurance products. Primary
products include individual medical, small group, short-term
and student health insurance products, consumer-choice products
such as Health Savings Accounts and Health Reimbursement
Arrangements, as well as non-insurance products. With almost 3,
000 employees, Assurant Health is headquartered in Milwaukee,
Wis., and has operations offices in Minnesota, Idaho and
Florida, as well as sales offices across the country. The
Assurant Health Web site is
www.assuranthealth.com. credit monitoring service
Assurant Health is part of Assurant, a premier provider of
specialized insurance products and related services in North
America and selected international markets. Its four key
businesses% ssurant Employee Benefits, Assurant Health,
Assurant Solutions and Assurant Specialty Property%ave
partnered with clients who are leaders in their industries and
have built leadership positions in a number of specialty
insurance market segments worldwide. credit division service
Assurant, a Fortune 500 company, is traded on the New York
Stock Exchange under the symbol AIZ. Assurant has more than $20
billion in assets and $7 billion in annual revenue. The
Assurant Web site is www.assurant.com. card credit online service
Information We Collect
To serve your health insurance needs, Assurant Health
collects information about you. We may collect this information
directly from you orally or on applications or other forms. We
also collect information from third parties such as your agent
or broker, your current or former health care providers and
consumer reporting agencies. In addition, this information may
include your transactions with Assurant Health, its affiliates
and others. It is impossible to describe every type of
information that we collect, but here are some examples: your
name, age, address, Social Security number, telephone number,
occupation and other demographic information about you and your
family; whether you are a past or present customer with us, or
if you ever applied for an insurance product or service from
us, as well as your history of other insurance coverage and
applications (if you apply online, information is collected
through an Internet %ookie, % an information-collecting device
from a web server); your past, present or future physical,
mental or behavioral health or condition; your health care
history; your history of insurance coverage, premiums, claims
and payments through Assurant Health; information from consumer
reporting agencies and data collection agencies. consumer counseling credit inc
How Assurant Health May Use and Disclose Information
About You
We use and disclose information about you in serving your
health insurance needs. It is impossible to describe every type
of information that we use or disclose but we have provided
some examples of how we use this information to provide
services to you and your dependents.
Treatment: Your health care provider may ask
us to use or disclose protected health information in
connection with treatment, including the provision,
coordination, or management of health care and related
services. card credit fleet service
Payment:
We may use and disclose protected health information for
payment purposes, including billing, review of health care
services, determining whether a service is %edically necessary%
and for utilization review. For instance, a doctor or health
facility involved in your care may forward a claim to us with
your protected health information. Assurant Health must have
this health information to process your claims. card consolidation credit
Health Care Operations:
Assurant Health may use and disclose protected health
information as part of our health care operations. For example,
we may use and disclose information in the underwriting
process, renewal process, quality assessment activities or
accreditation and certification. credit free online report
Plan Sponsors:
If you are enrolled in a group health plan, Assurant Health
may provide protected health information to the plan sponsor.
For instance, we may share enrollment or disenrollment
information with your employer. credit federal first service
Health-related Benefits and Services:
We may, from time to time, contact you about treatment
alternatives or other health related benefits, products or
services that may be of interest to you, and for case
management or care coordination. consumer credit service
Business Associates:
Assurant Health works with companies and consultants who
perform a wide variety of functions on our behalf. For example,
we work with financial institutions such as agents, brokers,
insurance distributors, reinsurers and excess loss insurers,
non-financial institutions such as health care providers,
detectors of fraud, auditors, insurance support organizations,
claims handlers, underwriters, and others such as information
technology specialists and consultants. At times it may be
necessary for us to provide your protected health information
to one or more of these outside persons or organizations who
assist us with our health care operations. In all cases, we
require these business associates to provide written assurances
to us that they will appropriately safeguard the privacy of
your protected health information. center credit family service
Individuals Involved in Your Care or Payment:
We may use or disclose protected health information to you
or other family members who are covered under your health
insurance policy regarding your care or payment related to your
care. If you object to our use or disclosure of your protected
health information in communications with other family members
covered under your health insurance policy, please contact our
customer service department and ask for the Right to
Restrictions form , or visit our Web site at
www.assuranthealth.com . This request must be
made in writing and signed by you or your legally authorized
representative. credit reporting service
Permitted or Required by Law:
Assurant Health may release information when requested by
law enforcement officials or when permitted or required by law.
If you are involved in a lawsuit or dispute, Assurant Health
may need to disclose protected health information in response
to a court or administrative order. cca credit division service
More Stringent Laws:
Assurant Health offers health coverage in many states
across the nation. In some cases we may be required to follow
the state law provisions on use and disclosure of your
protected health information, which may be more stringent than
those outlined in this notice. credit free report service
Strategic Repositioning % /b Assurant Health can
provide assistance as you reposition your company by:
facilitating the movement of customers to our product lines,
providing stop loss protection from claim risk and joining with
you in ongoing marketing agreements. card credit customer discover
Consumer Direct via Internet and Telemarketing % /b
We can partner with you to offer Assurant Health products
direct to your customer or employees with a minimum of
structure required on your part.
Our Partners Include:
State Farm Insurance Companies credit repair report service
MetLife Lincoln Financial Advisors Thrivent Financial for
Lutherans Western-Southern Financial Group American National
Property and Casualty Company AXA credit legal repair service
Contact:
Tom Esser
, CLU, ChFC Vice President - National Accounts Business
Development Assurant Health
tom.esser@assurant.com * Insurance agents and
agencies contact}Time Insurance
or}North Star Marketing for information on
Assurant Health. cic credit monitoring service
Assurant Health insurance: Tools available for a Health
Insurance Agent
Learn about the tools available for an Assurant Health
Insurance Agent, including Assurant s Agent Sales
Site.
Time Insurance John Alden Company to Company
Assurant
Current Agents ccs credit division service
Tools for You
As a valued agent, Assurant Health provides you with the
tools you need to effectively sell our products. The
Agent Sales Site* provides access to the
health proposal software, marketing materials, communications
and forms. This is a secured site - you will need a UserID and
Password. credit service union worker
* This Web site is operated by Assurant Health and subject
to our privacy policy and legal notice. 1st credit service union
Time Insurance Company John Alden Life Insurance Company
Union Security Insurance Company } card chase credit customer
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John Alden Life Insurance Company information from Assurant
Health
Find John Alden Life Insurance company and product
information from Assurant Health at assuranthealth.com.
Current Agents Prospective Agents Time Insurance John
Alden Company to Company John Alden Life Insurance
Company
John Alden Life Insurance Company}/ North Star Marketing
Reputations can either make you or break you. At North Star
Marketing we have worked hard to earn our reputation of having
the best agent support % both during and after the sale. Every
call that comes into a local North Star Marketing office is
answered by an experienced health insurance professional who is
committed to helping you be successful. For more information on
our services, please contact your local North Star
Marketing office. citi credit monitoring service
Learn more about John Alden products offered by
North Star Marketing. credit plus service union
About John Alden Life Insurance Company
Founded in 1961, John Alden Life Insurance Company has shown
a lasting commitment to customers across the nation. On August
31, 1998, John Alden became a part of Milwaukee-based Assurant
Health, creating one of the largest independent organizations
in the United States exclusively serving the individual and
small business insurance market. As an Assurant Health member
company, John Alden Life Insurance Company is part of a long
and stable company tradition. credit farm service
For more than 100 years, Assurant Health s companies
have}has provided a variety of insurance products to
America% diverse communities, making it one of the
leading health insurance organizations in the nation. Assurant
Health s underwriting companies}offer individual, small
group and specialty health insurance products. Our specialty
medical products include a market-leading short term medical
plan. In fact, Assurant Health s companies together are}the
number one sellers of temporary health insurance in the
U.S. 1st credit federal service
Time Insurance Company information from Assurant
Health
Learn about Assurant Health products offered by the Time
Insurance company at assuranthealth.com.
Current Agents Prospective Agents Time Insurance John
Alden Company to Company Time Insurance
Time Insurance Company For more than 110 years, Time
Insurance Company}has maintained a solid reputation for high
quality products, financial stability and a commitment to the
health insurance industry. The company offers Individual
Medical and Small Group plans, which include Health Savings
Accounts, Health Reimbursement Arrangements, }major medical
plans as well as a lower cost major medical plans. The company
is also the number one seller of temporary health insurance
(Short Term) in the United States. credit paychex service tax
Your Time Regional Sales Director is a seasoned insurance
professional, acting on your behalf as the critical link to
Time Insurance Company}products and services. You can expect
your RSD to provide . . . credit service tax
% Professional training, including continuing education
credit % Sales ideas % The latest revisions in products and
home office procedures % Updates regarding legislative issues
in your state % Quotes on all Time Insurance Company plans %
Joint sales calls For information on how Time Insurance Company
products can fulfill the health insurance needs of your
clients, contact your local Regional Sales
Director. aeon credit service
Assurant Health Plan Information from
assuranthealth.com
Find Assurant Health plan information and ask an expert
your insurance questions at assuranthealth.com.
Physicians - NCQA Assurant Health Plan
Information
Ask an Expert If you are interested in obtaining information
on Assurant Health products, get a quote now
or you can contact us. Written inquiries may
be sent to Assurant Health, 501 West Michigan, PO Box 624,
Milwaukee, WI 53201-0624. To reach us by phone, please call
1-800-800-1212. credit one service union
Hours 7:30 a.m. to 10 p.m. CST, Monday through Friday If you
are an existing Assurant Health customer, Hours 7:30 a.m. to 5
p.m. CST, Monday through Friday Assurant Health products are
underwritten and issued by Time Insurance Company, Union
Security Insurance Company, and John Alden Life Insurance
Company. back to top ^ bad cell credit phone service
Time Insurance Company John Alden Life Insurance Company
Union Security Insurance Company counseling credit debt service
Prescription Drug Plan: MedcoHealth Information
Assurant Health customers can learn about
MedcoHealth% prescription drug plan at
assuranthealth.com.
Physicians - NCQA Prescription Drug Plan
MedcoHealth Telephone Numbers} } Visit the Medco Web
site* to find valuable prescription drug information
and compare prescription drug costs. Pharmacy Assistance
1-800-922-1557 Union Security Insurance
Company and Time Insurance Company Pharmacy Locator and Home
Delivery Assistance 1-800-978- card credit payment service
6227 John Alden Life Insurance Company Pharmacy Locator and
Home Delivery Assistance 1-800-978-6228 *
Medco is not owned or affiliated with Assurant Health but is a
business affiliate of ours. This link is provided for your
convenience only, and does not constitute a statement of
endorsement, approval, affiliation or favoring of the external
site. Assurant Health is not responsible for the content,
views, products or availability of the site, nor does it assume
any liability for the accuracy or completeness of its
information. Please read our Privacy Policy
and}Legal Notice for more information. card credit merchant
Ancillary Health Services provider information, from
assuranthealth.com
Learn about ancillary health services and find provider
information from assuranthealth.com.
Hospitals - Leap Frog Physicians - NCQA Ancillary
Health Services
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Find an Ancillary Health Services
Provider
- What are Ancillary Health Services - Looking for a
Provider of Ancillary Health Services not available in your
network View Ancillary Health Services
Providers Ancillary Health Services are
services provided to patients to aid in the diagnosis or
treatment of an illness or injury. They may be either
diagnostic or therapeutic in nature. Examples of Diagnostic
Ancillary Health Services include: laboratory services;
radiology; magnetic resonance imaging (MRI), etc. Examples of
Therapeutic Ancillary Health Services include: durable medical
equipment; home health care; home infusion therapy; physical
therapy; specialty pharmacy services; speech therapy; surgical
centers; transplant services, etc. annual credit report request
Retail Health Clinics are a new type of Ancillary Health
Service added to this Web page for your convenience.} Retail
Health Clinics are small health care facilities located in
high-traffic retail outlets with pharmacies that provide
affordable and accessible, non-emergency health care to
consumers who otherwise would have to wait for appointments
with a traditional primary care physician or provider (PCP).}
Often open seven days a week, Retail Health Clinics provide a
health care option that is intended to compliment, not replace,
}traditional medical service providers.} Retail Health Clinics
are primarily staffed by highly qualified advanced practice
nurses (including nurse practitioners (NP) and clinical nurse
specialists (CNS)), or by physician assistants (PA).} Retail
Health Clinic staff receive advanced education in providing
quality health care for common episodic ailments, including
cold/flu, rashes/skin irritation, and muscle strains or
sprains. area bay credit service
Certain Ancillary Health Services}may not be available
within your primary PPO network. This has prompted Assurant
Health to contract directly with}the providers listed below.
The Ancillary Health Services providers are solely responsible
for the content and accuracy of their Web sites to which you
will be linked. The links are provided for your convenience
only and do not constitute a statement of endorsement,
approval, or favoring of the external site. atlanta consumer counseling
When visiting a MinuteClinic health care center, members
enrolled with Assurant Health will receive in-network health
care services. Assurant Health serves 1.1 million people across
the U.S. % e are very pleased to be entering into this
agreement with MinuteClinic, % said Jim Oatman, Assurant Health
senior vice president and chief actuary. % roviding our
customers with access to quality health care that is convenient
for them is a priority for Assurant Health % and our
partnership with MinuteClinic greatly expands the range of
affordable and accessible options for sale.% /p account card credit merchant
Assurant Health members can visit a MinuteClinic health care
center in the following markets: Atlanta, Austin, Baltimore,
Charlotte, Chattanooga, Chicago, Cleveland, Columbus,
Dallas-Ft. Worth, Detroit, Hartford, Indianapolis,
Jacksonville, Kansas City, Knoxville, Las Vegas,
Minneapolis-St. Paul, Nashville, Northern New Jersey, the New
York City metropolitan area, Oklahoma City, Orlando, Phoenix,
Raleigh/Durham, Seattle, South Florida, Southern Connecticut,
Winston-Salem/Greensboro, the Maryland suburbs of Washington,
D.C. and the Virginia Suburbs. aspire card credit customer
More than 45 insurance providers extend coverage to patients
who visit MinuteClinic health care centers. % ur goal is
to integrate simple health care solutions into consumers%
lifestyles, % said Michael C. Howe, MinuteClinic chief
executive officer. % y offering quality and convenient
treatment that is covered by companies such as Assurant Health,
we are helping to reduce costs and the time patients spend away
from their families and the workplace.% card counseling credit service
MinuteClinic health care centers are staffed by
master% -prepared, board-certified nurse practitioners
and physician assistants who specialize in family health care
and are trained to diagnose and treat patients for common
illnesses such as strep throat and ear, eye, sinus, bladder and
bronchial infections. MinuteClinic also offers common
vaccinations, such as influenza, tetanus, MMR, and Hepatitis A
B. Practitioners work in collaboration with physicians
and may prescribe medication when it is part of the treatment
plan. card credit online processing
MinuteClinic health care centers are open seven days a week,
no appointment needs to be made in advance and visits typically
take 10-15 minutes. MinuteClinic practitioners utilize
nationally recognized medical protocols to diagnose and treat
health conditions. With the patient% consent, treatment
information is shared with his or her primary care physician to
facilitate continuity of care. About
MinuteClinic consolidated counseling credit
Minneapolis-based MinuteClinic is a subsidiary of CVS
Caremark Corporation (NYSE: CVS), the No. 1 provider of
prescriptions and related health care services in the nation.
MinuteClinic launched the first retail health care centers in
the United States in 2000 and is the first provider to
establish a national presence with 250 locations across the
country. By creating a health care delivery model that responds
to consumer demand, MinuteClinic makes access to high-quality
medical treatment easier for more Americans. The company has
generated nearly a million patient visits with a 99 percent
customer satisfaction rating. A recognized leader in the
patient-centric health care movement, MinuteClinic consistently
brings innovation to the marketplace and sets new standards for
clinical quality that exceed the national guidelines
established for store-based clinics by the American Medical
Association (AMA) and the American Academy of Family Physicians
(AAFP). MinuteClinic is the first and only retail health care
provider to receive accreditation from The Joint Commission,
the national evaluation and certifying agency for nearly 15,
000 health care organizations and programs in the United
States. For more information, visit
www.MinuteClinic.com check credit service
For additional information:
Peter Duckler 312-423-4930 pduckler@hlbcomm.com
Media Contact: Brent Burkhardt/Nicole Atkinson TBC
Public Relations for MinuteClinic (410)-986-1303/1317
bburkhardt@tbc.us / natkinson@tbc.us
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Press Release } College
Graduates Receive Diploma, Lose Health Coverage Assurant Health
Provides Offers Advice on Affordable Health Insurance
Options antonio credit san security
If you% e looking for a different kind of gift for
your new college grad that% more sensible (and much
more affordable) than a flashy car, you may want to consider
health insurance. In fact, concerned parents might make this
their top priority if only they knew that, as soon as their
sons or daughters doffed their caps and gowns, many of these
grads were no longer protected against medical catastrophes.
Unfortunately, many parents are unaware that some health
insurance plans stop providing coverage to adult children, even
if are living at home. Plus, they don% realize
affordable, short-term medical insurance is readily
available. card cardmember chase credit
% t% a shame that this lack of knowledge is
putting so many young adults needlessly at risk, % said Heidi
Hanstein, vice president for Assurant Health, which helped to
pioneer the concept of short-term coverage. % %
sure many parents and grads wouldn% take such a chance
if they knew how easy it is to apply for and purchase temporary
coverage.% /p clean credit repair service
This disturbing news is supported by two surveys conducted
by Assurant Health.} Other findings included: credit management service
-
Approximately 40 percent of parents mistakenly believed
that adult children (ages 21 -24) living at home were
covered under their health insurance plans. colorado credit public service
-
}20 percent of college parents have no idea when their
health insurance will no longer cover their college-age
children. consolidation counseling
-
Most believe that short-term health insurance for a
healthy young adult costs more than $100/month; in fact,
such policies generally cost around $50/month. bureau card credit service
-
68 percent of the parents were not even aware of the
availability of short-term health insurance. card credit customer service
These results are consistent with previous studies such as a
report from the Commonwealth Fund that found nearly 40 percent
of college graduates (and 50 percent of high school grads not
attending college) are uninsured at some time during their
first year after graduation. Typically, most adult children who
are students will lose their coverage when they attain a
certain age, graduate or are no longer attending school on a
full-time basis. Since most of these new college graduates
won% have coverage until after they have found a job,
many find themselves falling through a gap in coverage.
Companies such as Assurant Health can fill that gap with
policies that usually cover periods ranging from one to twelve
months, depending on the state and company. credit financial service
The enrollment process for such policies is simple and fast.
Applicants can go online to answer a series of yes/no questions
and coverage can begin the next day. Because temporary policies
are usually designed to cover the unexpected, most do not
include coverage for preventive care, physicals, immunizations,
dental or eye care. Also, temporary policies generally do not
cover pre-existing conditions.} card citibank credit customer
For additional information:
Peter Duckler 312-423-4930
pduckler@hlbcomm.com Philip Chang 312-423-4924
pchang@hlbcomm.com } bad credit repair service
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Press Release } Assurant
Health Promotes Laura Hohing to Chief Sales Officer
Milwaukee-based Assurant Health, a leading national provider of
individual medical, small group and specialty health insurance
products, has promoted Laura Hohing to Chief Sales Officer,
effective immediately. This position aligns with Assurant
Health% Agents First initiative and supports Assurant
Health% broad distribution system, leading technology
resources and underwriting support for agents and their
customers and diverse product offerings. credit equifax information
In her expanded role, Hohing will be responsible for leading
all Assurant Health distribution channels for both Individual
and Group Markets. This newly aligned sales organization will
maximize the company% unique value propositions,
thereby expanding and deepening Assurant Health% strong
relationship with agents nationwide. credit first houston service
Hohing is a veteran of the insurance industry. Prior to
Assurant Health, she held various operations and sales
management positions with Allstate.} She holds a
bachelor% degree along with the Chartered Life
Underwriter (CLU) designation. She joined Assurant Health as a
Regional Vice President in 1985, was promoted to Vice
President, Sales in 1989, and to Senior Vice President, Sales
in 1996. In 1998, Hohing launched the Managing General Agent
channel for Assurant Health which has become the largest
producing individual medical channel for Assurant Health. bad credit expertise in
Assurant Health Chief Operating Officer Raj Bal said:
% ssurant Health% distribution system is one of
our key advantages. Laura% new role will positively
enhance our agents% interactions with our company, and her
wealth of sales experience and expertise will continue to
benefit agents as we focus on them as our first customers.% br
/ cccs consumer counseling
monebaggasse
You made a wise decision by choosing Assurant Health for your health insurance needs. As a valued customer, you have a dependable, quality health plan from a national leader in health insurance that understands your need for peace of mind. And when it comes to service, Assurant Health strives to exceed them with extensive provider networks, prompt and fair claims payment and excellent customer service.
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