You have probably heard about Coventry Insurance, but have most likely not heard about Assurant Insurance. Both of these are discounted health insurance companies that provide group health insurance, mostly to individuals who do not get insurance through work. Coventry insurance, however, is being used by some companies that want to get their employees insurance coverage.
Assurant Insurance is a group insurance option that anyone who wants health insurance can join. You have no medical checkups for this coverage, but you do have to answer a series of health care questions. If you have pre-existing conditions, you will find that you may not be eligible for health insurance coverage with Assurant. Pre-existing conditions are any conditions that you had that may be recurrent.
Coventry also excludes those who have pre-existing health conditions from getting health insurance with them. In this case, you will also have to fill out a questionnaire to see if you have any health concerns and they will do a background check on your medical conditions. If you have been treated recently for an ongoing health concern, this will be excluded from coverage. Whereas Assurant Insurance is more likely to just turn you down for having a pre-existing conditions, Coventry will give you the option of getting healthcare but not being able to get the health care coverage for the pre-existing condition.
Higher Premium v/s Wider Acceptability
When it comes to the premiums that you will have to pay for both of these insurance companies, you can expect to pay a bit more for premiums when you get Coventry coverage over Assurant Insurance. On the other hand, Coventry coverage is accepted at far more places than Assurant Insurance, which is relatively a new insurance company. Before you decide to get either of these insurances as your health care insurance, you should make sure that your doctor or health care provider will cover you if you have this type of coverage.
More places will accept Coventry than Assurance Insurance. This is one of the reasons why many people choose to have the former as their health care provider. However, an increasing number of health care providers and doctors are accepting Assurance. Also, it is important to remember that if you are looking for catastrophe health insurance coverage, such as that which you would need if you fell ill and were hospitalized, then you can do just as well with Assurance Insurance as they are recognized by most major hospitals and clinics.
You can get an HMO coverage for a lot less than you imagine when you look into health insurance coverage from Coventry or Assurance. Both of them offer the individual who may not have health insurance coverage from work a chance to get group health insurance on an individual basis and get their medical needs covered. Both Assurance and Coventry coverage also have prescription plans available for those who need medications and give a substantial discount on medications, although you do have to use an approved pharmacy before you can get the prescriptions filled at a discount.
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