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Time Insurance (Assurant Health)

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Assurant Health has been in business since 1892 (more than 110 years!) and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Assurant Health's entities, Time Insurance Company and John Alden Life Insurance Company, have each been assigned an A.M. Best rating of A- (Excellent). Union Security Insurance Company is rated A (Excellent). Together, these three underwriting companies provide health insurance coverage for almost one million people nationwide. Each underwriting company is financially responsible for its own insurance products.

Assurant Health focuses on health insurance for individuals and families including Health Savings Accounts, Health Reimbursement Arrangements, low cost comprehensive major medical plans, etc. Assurant Health is among the top sellers of temporary health insurance in the U.S. and leads this market for Harmony Insurance Benefits too. Quite often our staff will use the names of Assurant Health John Alden and Time Insurance, interchangeably.

As with all carriers, Assurant Health has the right to accept, decline or waiver (not cover) any condition. Therefore we encourage you to let us help guide you through the process.

Assurant Health offers numerous plan designs including the following:

  • Extensive doctor and hospital networks provide significant savings
  • Wide range of plans and benefit options tailored to your needs
  • Value Advantage. Lower premium-catastrophic converge. For those willing to pay for smaller expenses, such as doctor office visits and prescription drugs, in exchange for protection against a large medical expense
  • Optional limited maternity benefit
  • First-year rate guarantee

Short Term Medical Insurance (Temporary Insurance for 30-365 days)

  • Coverage as early as the next day
  • Freedom to choose any doctor or hospital
  • Prescription drug coverage
  • 00% coinsurance option
  • Lifetime benefits up to $5 million

Student Health Insurance (Individual Health insurance for college students)

  • Coverage as early as the next day
  • Continuous coverage even if you leave or change schools
  • Simple application process

Harmony Insurance Benefits is proud to be an independent authorized Time Insurance (Assurant Health) agent in Colorado.

This information is intended for education purposes only. Carrier’s products can differ in coverage amounts, network providers, limitations of coverage, plan exclusions, etc, therefore every reader is encouraged to call our agency for health plan-specific information, which can easily be made available. Be sure to view the Carrier’s brochure and other material BEFORE you apply. Medical expenses must qualify as medically necessary and covered expenses to be considered for reimbursement. Use of a network provider is necessary to avoid reimbursement that is limited to reasonable and customary limits.