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Find information about affordable health insurance plans from Assurant Health at assuranthealth.com.

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Learn more about Assurant Health. For Our Customers Prospective Customers I need Individual and Family coverage for: Temporary insurance Permanent insurance insurance coverage for six months or less insurance coverage for more than six months Not Sure We can help you decide. Health Insurance for Small Businesses credit pacific service union

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Agents Brokers Prospective Agents About Assurant Health Health Insurance Products Become an Appointed Agent credit first service union

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Learn More About Our Health Products Individual and Family Health Insurance Permanent health insurance coverage designed to protect you and your family. Individual and Family Insurance Student Health Insurance card credit mobile service

Renewable individual health insurance for college students. Student Health Insurance Small Employer Health Insurance Answers by Assurant helps small business owners make smart insurance choices. Small Employer Health Insurance Short Term Health Insurance A temporary health insurance plan for 30-365 days. Short Term Health Insurance card credit discover service

Health Savings Account (HSA) Pay medical expenses with pre-tax dollars. Health Savings Accounts (HSA) View HSA Tools Demo credit public service union


Time Insurance Company John Alden Life Insurance Company Union Security Insurance Company } card credit processing service


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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 Notice | Privacy Policy card credit service wireless

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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:

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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

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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


} Health Plans

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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 } card credit online payment


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?} Health Plans For Customers For Agents For Providers Careers Newsroom My HSA Account 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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?} Health Plans For Customers For Agents For Providers Careers Newsroom My HSA Account 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

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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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