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From: Anonymous

Never buy Assurant health-no, no, NO

I am so frustrated with Assurant health insurance! They offered me maternity rider and my agent pursuaded me to take this insurance. They did not mention specifically what they cover and what they do not cover under maternity, the insurance I have has a very high medical deductible and equally high separate maternity deductible. When I started seeing OB doctor after I became pregnent, Assurant started to divide my claims between medical and maternity at their discretion and since nothing is defined in their contract their word seems final. It is now clear to me that I will have to pay for all the pregnency and my biggest worry is they will decline major charges b simply saying that they do not cover for it. It is simply terrible. Right now I am paying for a high monthly premium and all the bills since I am not meeting any of the deductibles. The customer service is terrible, they are very brief and do not give any explaination and they lie that they did not receive any paperwork when my doctor's office sends them an appeal to apply claims towards medical. The premium cost is high and in the beginning it sounds less because their plans qualify for HSA due to high deductible. But the catch is you are stuck with them at least for a year if you open HSA as per HSA's rule. So beware, beware, beware......never buy this insurance and tell as may people as you can.

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