Medical

Cost and Coverage Comparisons

Assurant offers four comprehensive health plans - Purple, Blue, Green and Orange - administered by Anthem Blue Cross and Blue Shield.

2023 Health Plans

These plans have different deductibles, copayments, coinsurance, out-of-pocket maximums and per paycheck contributions.

  • Coverage level - you can choose coverage for Employee-Only, Employee & Spouse/Domestic Partner, Employee & Children or Employee & Family.
  • Under the Purple plan, coverage is provided for in-network care only.
  • Under the BlueGreen and Orange plans, coverage is provided for both in-network and out-of-network care.
  • In-network preventive care is 100% covered.
  • Prescription drug coverage is included.
  • Care from specialists can be covered even without a referral.
  • Coverage offers protection from catastrophic expenses.
  • Wellbeing programs are available for you and your family.

The Blue plan has a Health Reimbursement Account (HRA). The Green and Orange plans have a Health Savings Account (HSA). These health accounts work differently so be sure that you fully understand the benefits of each. The Purple plan does not have an account associated with it.

 
2023 Health Plans
PURPLEBLUEGREENORANGE

What the plan pays
In-Network Preventive Care
100%
Health Plan AccountN/AHealth Reimbursement AccountHealth Savings Account
Flexible Spending Account Eligibility Health Care FSALimited Purpose FSA
Annual Assurant contributions to your HRA or HSA (Individual/Family)1N/A$400/$800
Lifetime Maximum2Unlimited
Medical Coverage 
In-Network Services80%80%90%
Out-of-Network ServicesN/A60%70%
 
What you pay

Per Paycheck Contribution (Full-Time Employees)

 


Non-tobacco users will receive a separate Tobacco-Free Health Credit of $18.46 per paycheck, lowering your total contribution.
Employee-Only$90.46$150.66$86.12$47.35
Employee & Spouse/Domestic Partner$251.46$372.17$222.17$107.03
Employee & Child(ren)$231.46$336.88$201.60$100.50
Employee & Family$336.46$513.54$303.44$133.42
Annual Deductible (Individual/Family)1,3,4 
Embedded3NoNoNoYes
In-Network Services$500 / $1,000$950 / $1,900$1,700 / $3,400$3,000 / $6,000
Out-of-Network ServicesN/A$1,950 / $3,900$2,700 / $5,400$4,000 / $8,000
Medical Coinsurance 
In-Network Services20%20%10%
Out-of-Network ServicesN/A40%30%
Annual Out-of-Pocket Maximum (Individual/Family)1,3,4 
Embedded3YesNoYesYes
In-Network Services$4,000 / $8,000$3,450 / $6,900$4,200 / $8,400$5,000 / $10,000
Out-of-Network ServicesN/A$6,450 / $12,900$7,200 / $14,400$8,000 / $16,000

 

2023 Prescription Drug Coverage
 Retail (30-day supply)Mail order prescriptions or retail maintenance prescriptions at a CVS pharmacy (90-day supply)6
 CoinsuranceMinimum per prescriptionMaximum per prescriptionCoinsuranceMinimum per prescriptionMaximum per prescription
Generic550%$0$5050%$0$125
Preferred Brand50%$10$7550%$20$150
Non-Preferred Brand50%$40$10050%$80$200

1 “Family” includes Employee & Spouse/Domestic Partner, Employee & Child(ren) and Employee & Family.

2 There’s a combined $30,000 medical and prescription drug lifetime maximum benefit for infertility treatment. Precertification is required to receive this benefit.

3 An embedded deductible means that the Family deductible includes an Individual deductible. If an individual in the family reaches the Individual deductible before the Family deductible is reached, benefits for that family member will begin. An embedded out-of-pocket maximum means that the Family out-of-pocket maximum includes an Individual out-of-pocket maximum. If an individual in the family reaches the Individual out-of-pocket maximum before the Family out-of-pocket maximum is reached, covered benefits for that family member will be paid at 100%.

4 Deductibles and out-of-pocket maximums for in- and out-of-network services must be met separately — they don’t cross-accumulate.

5 Under all health plans, Generic preventive prescriptions are covered at 100%, and brand name preventive prescriptions are not subject to the plan’s deductible. Under the Blue, Green, and Orange plans, all non-preventive prescriptions are subject to the plan’s deductible. Under the Purple plan, prescriptions are not subject to the deductible. Caremark periodically reviews their formulary. Certain formulary medications may be excluded from coverage from time to time and impacted members will be notified.

6 For long-term maintenance medications, the plan allows for two 30-day fills of maintenance medications at any pharmacy in the CVS Caremark network. After that, the plan will cover maintenance medications only if you have 90-day supplies filled through mail-order or at a CVS Caremark Pharmacy. Specialty medication supply is limited to 30 days.