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Assurance Health Insurance Review

9 Customer Comments & Reviews - see all comments
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Assurance is an online marketplace for life, health, or Medicare insurance that connects consumers with reputable U.S. insurance providers, brokerages, or agents to get the best rates possible. The company also sells its own brand of Accident and Sickness Hospital Indemnity insurance. The BBB-Accredited business was founded in 2009 and is headquartered in Bellevue, Washington.

What’s Included with Assurance?

Through it's easy and quick online and free quote process, Assurance connects consumers with the best health insurance carriers, brokerages or agents to meet the consumer's needs. 

In addition, Assurance offers its own brand of health insurance, Assurance IQ Choice, which is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Assurance IQ Choice has eight plans including a Basic, Choice, and Premier Plan all of which are Accident and Sickness Hospital Indemnity plans. 

Assurance IQ Choice includes (taken from brochure):

  • Guaranteed issue for members and their spouses ages 18 - 65 and dependent children through age 26; all pre-existing condition limitations apply

  • Daily in-hospital indemnity: Choice of $200, $500, $750, $1,000, $1,500, or $2,000

  • Surgery, ICU, emergency room, doctor's office visit, diagnostic X-ray and lab, wellness, anesthesia, loss of income, and ambulance benefits available

  • Accident or sickness outpatient doctor office visit benefit: $75 or $100 per visit up to 6 days payable per insured and per policy year

Types of Health Insurance Plans

Individuals and Families

Yes

Short-Term Health Insurance

No

Plans Reviewed: Assurance IQ Choice

All Benefits are Per Covered Person

Plan 1 (Basic)

Plan 3 (Choice)

Plan 5 (Premier) 

In-Hospital Indemnity

$200/day

$750/day

$1,500/day

-Maximum Days per Confinement

10

10

30

-Max Benefit Amount per Plan Year

$6,000

$22,500

$50,000

ICU

N/A

N/A

N/A

ER Visit

N/A

N/A

N/A

Physician Office

$75/day

$75/day

$100/day

-Max Visits per Plan Year

3

3

6

Ground Ambulance

N/A

N/A

$100/day (1/year)

Air Ambulance

N/A

N/A

$1,000/day (1/year)

Surgical Indemnity

 

 

 

-Inpatient Major

$500/procedure

$1,000/procedure

$1,000/procedure

-Outpatient Major

$500/procedure

$1,000/procedure

$1,000/procedure

Anesthesia Indemnity

 

 

 

-Inpatient/Outpatient Major

$100/procedure

$200/procedure

$250/procedure

-Outpatient Minor

N/A

N/A

$75/procedure

Advanced Diagnostics N/A $100/test (1/year) $250/test (1/year)
Diagnostic X-Ray and Lab $25/test (2/year) $50/test (1/year) $50/test (4/year)
Wellness $25/test (1/year) $50/test (1/year) $200/test (1/year)

In addition to Assurance's own insurance plans, its online marketplace will recommend the best providers, brokerages, or agents to consumers. Therefore, each plan's benefits and costs will differ Assurance partner.

Summary

Assurance is a good place to start when searching for health insurance coverage. The online marketplace simplifies a consumer's search for health insurance providers by expertly matching carriers, brokerages, and agents through a simplified online survey. Additionally, it offers its own brand of Accident and Sickness Hospital Indemnity insurance that may be the right kind of coverage for some consumers.

 


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9 Customer Comments & Reviews

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Lani W
3/21/2024
They were deceitful in stating my mothers doctor was within the MA plan they were promoting. Now here it is 3 months into the new year and my mother can not see her PCP nor can she get her meds refilled. Do not believe them!


pezmaes55
11/11/2021
I am on the DO NOT CALL list. However Assurance calls me 2-3 times a day. When you call they hang up on you once they know there is no sale. I called repeatedly for a manager or supervisor but was hung up on 6 times. They tell you there is NO manager or supervisor there. When you ask for their manager, the rep hangs up on you. I am also an insurance agent for over 35 years. Even working remotely from home I always have several managers and supervisors available. The last guy even started yelling at me when I asked for his manager, and then hung up. I wonder what the Dept of Insurance will say about the way this company is doing business.


tracias8265
10/19/2021
I have been trying to get a release letter with this company and cant not even reach an hr dept. or licensing dept. I have not done any book of business with the company. I get bounced around from rep to rep. Cant locate a hr number nor can i speak with anyone. I have reached out to someone name alejandro and she has not responded. i have filed a complaint with the dept of fl fin svc. this company Assurance is full of bs.


S
Susan B
7/31/2021
Assurance is bombarding with phone calls that promote their product even though I put myself on their do not call list which their agents fail to honor. Assurance got under my guard today by sending me a personalized, or individualized letter that said among other things that I was among 18000 or so americans who are eligible for this product because of my address.. The letter had enough of the personalized data correct to lead me to believe that I might become the beneficiary of dental and vision insurance. After paying a discounted $600 for my new glasses this morning on line - the lenses are the trick - I was open to Assurance's pitch when the letter arrived. Two phone calls later... Read More


Liz P
3/12/2021
Do not ever give your number to Assurance. They are calling me hundreds of times. They have a computer who calls himself "Alex" who will call you over and over even if you ask to be taken off the calling list. I have asked at least 20 times to real agents--but they just keep calling me over and over and over again. I work nights and my mom is sick so I can't turn off my phone. I did give them my number because I wanted a quote on insurance, but even after I decided--over a month ago--they have kept calling me over and over and over again. Most calls go through to Mutual of Omaha agents who are nice and say they will take me off--but I have received hundreds of calls from Assurance... Read More


M
Madison A
12/16/2020
Absolute scum bags. Few reviews here, they likely had them removed because they are all bad. No clue how they got my # in the first place. They will call you 10 times/day and hang up when you answer. For YEARS. THEN when you call them anonymously to figure out why they keep calling you, you are immediately disconnected. AND even when you block your # and call, they answer and say your name. Creepy, how do they know your name when you called anonymously, and what ethical organization does that? Such an invasion of privacy. I got "fooled" into a policy with them. They seem to have different company names, 3rd parties, etc. and I figured out it was the same creepy company after I had... Read More


cheezystix
11/9/2020
Sold a Healthcare policy to cover us between jobs. Even told the agent we just needed for emergencies. .. they ended up covering absolutely nothing and got stuck with 100% of an ER visit (which is not cheap) How can a company sell Health Insurance and cover absolutely nothing ! Brutal


cheezystix
11/9/2020
Sold a Healthcare policy to cover us between jobs. Even told the agent we just needed for emergencies. .. they ended up covering absolutely nothing and got stuck with 100% of an ER visit (which is not cheap) How can a company sell Health Insurance and cover absolutely nothing ! Brutal


J
Jess
2/11/2020
We were sold this plan as something completely different. Our rep made it sound like health insurance and lied to us about what would be covered. We are now stuck with a huge bill. If I could give them a zero, I would.



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