OneDeductible and SaveRight PPO/HSA

Company:  Plans:  OneDeductible PPO/HSA & SaveRight PPO/HSA

Time PPO/HSA Instant Quotes How to Apply

Our most popular Time Insurance plan is the OneDeductible PPO/HSA, which is designed for individuals and families willing to take additional responsibility for routine health care expenses.  It can also be set up as a Health Savings Account, which offers significant tax benefits.

For a more affordable high deductible health plan, the SaveRight PPO/HSA might be your best option.  It has the lowest premiums of all the plans and can also be set up as a Health Savings Account.

Time Insurance also offers these other plans:

MaxPlan - This plan has the most extensive protection and the most choice CoreMed Plan - Offering a broad and cost-effective coverage for everyday and catastrophic needs RightStart PPO - This plan offers essential benefits at the most affordable price

Time Insurance, formerly known as Fortis Health Insurance, is an Assurant Health member company. 

With more than 110 years of experience, Time Insurance has maintained a solid reputation for high quality products, financial stability and a commitment to the health insurance industry.

Coverage Synopsis:

OneDeductible HSA/PPO

This is the most popular Time Insurance plan.  This plan offers OneDeductible for the entire family, so you don't have to worry about keeping track of individual expenses.  After you have met your family deductible, the plan pays 100%, 80% or 50% of all covered expenses including prescription expenses, up to $3 or $8 million per person.  This plan also covers wellness services up to $500 per year, after the deductible is met.

SaveRight HSA/PPO

This is the most affordable Time Insurance plan.  After you have met your family deductible, the plan pays 100%, 75% or 50% of all covered expenses including prescription expenses, up to $2 million lifetime maximum per person.  This plan also covers wellness services up to $500 per year, after the deductible is met, once you have been insured for 12 months.

Time OneDeductible & SaveRight Plans Brochure - complete plan details on both plans

Optional Features:

Suite Solutions

This option allows you to increase your coverage and reduce your personal medical costs.  This feature reimburses you for qualified expenses regardless of your deductible.  Two options are available in the Suite Solutions benefit.

Features Secure Solution Select  Solution* Accident Medical Expense Benefit Benefit Options: $2,500, $5,000, or $10,000 $100 Deductible (per insured, per accident) Accidental Death and Dismemberment Benefit Up to $10,000 for the primary insured and up to $1,000 for the spouse and each child Weekly Accident Indemnity Benefit 70% of basic weekly salary up to $250 per week for up to 52 weeks, for primary insured only Critical Illness Expense Benefit Benefit Options: Must be the same as the Accident Medical Expense Benefit Covers life-threatening cancer, heart attack, stroke, paralysis, renal failure, coma, transplants and more for primary insured and spouse   Identity Network Child Safety Services Pre-registry of children using photos and descriptions   Identity Theft Benefit Up to $2,500 in financial relief, including reimbursement for related costs, lost wages, legal fees and expenses   Travel Assistance Emergency medical, financial, legal and communication assistance, plus a multilingual information service available before and during travel, for members who are traveling 100 or more miles from home   Discounts** Up to 60% off items such as health club dues, hearing aids and hotels and travel packages

* Select Solution is not available in all states
** Not all discounts are available in all states

Accident Medical Expense Benefit

In the event of an accident this benefit will pay up to $500, $1,000, or $2,500, whichever amount you choose, before you pay any copay, access fee, deductible or coinsurance.

First Dollar Preventive Services Benefit *

Once you have been insured for 12 months, this benefit will provide $500 per person, per year for preventive services before your deductible.  Remaining preventive services will be covered subject to your deductible and coinsurance up to $1,000 per person.

Maternity Benefit

A Maternity benefit is also available with this plan, after a 90 day benefit waiting period.  You can choose from four different deductibles and in addition receive significant network discounts - often between 15 to 50% when using in network providers - before you even meet your deductible.  You pay only this deductible for a maternity claim, including pre-natal care all the way through delivery.  You then receive 100% coverage after the deductible is met.

This limits your expenses for maternity care to the amount of your maternity deductible.  See below for examples of additional cost for each deductible:

Rates:

OneDeductible Plans with a $3,750 individual or $7,500 family deductible or higher, and SaveRight HSA plans with a $5,100 deductible have a 24-month rate guarantee.  With these deductibles, you also have the option of paying an additional monthly premium to lock in your rates for 36 months.  This is the longest health insurance rate guarantee we are aware of. All other deductible options have a 12 month rate guarantee. 

Preferred rates without riders are available on our instant quote page.  The quoted rates are for the $8 million maximum benefit, and do not include optional benefits such as term life, supplemental accident, maternity, and Rx riders.  Check to see if you qualify for preferred rates.

Please contact us via email for rates on the optional benefits.  All rates depend on gender, smoking status, zip code, and health status.

The premium can be paid via quarterly, semi-annual, or annual billing or credit card payment.  Premiums can be paid monthly via bank draft, or by credit card in AZ, CT, KS, NC, and OH.  There is a one-time $20 application fee, which is refunded if the application is declined or not accepted.  The initial premium can be paid with a check or credit card.

Initial Monthly Premium: Unlike most companies, Time Insurance will allow you to submit an application on a C.O.D. basis.  What this means is that you may submit your application without submitting the first month's premium, which would not be due until your application has been approved.  At that time, you will instantly be billed for your first month's coverage.  At times, depending upon your requested effective date, your first bill may be for two month's coverage, as you will be billed for the period of time that you have been covered prior to receiving your approval (if applicable), as well as the full premium for the next month of coverage.

PPO Network:

Please visit the Time Insurance PPO Network for complete information.  In most areas, Time uses the Private Health Care Systems (PHCS) network.  Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible.  See details on the participating providers in that network.

Underwriting:

If you are in good health, Assurant has the quickest underwriting in the industry.  About 25 percent of our applications go through the Express Yes approval, and you can print out your insurance card today.  Just apply online, and if you answer “no” to all 17 questions and the electronic check of your Medical Information Bureau and Rx record comes back clean, you will be approved immediately.

Seventy-five percent of the remaining apps are approved within 48 hours.  If medical records are needed, then it may take significantly longer while the underwriter waits for the physician to send the records.

Certain conditions may be wavered with a temporary rider (usually for one to two years), or an indefinite rider.  If pre-existing conditions are disclosed on the application they will not be determined to be pre-existing and will be considered for coverage.

It is standard practice to request a Blood Pressure Inquiry on all applicants who are currently being treated for or who have recently discontinued treatment for high blood pressure.

Effective dates:

Time Insurance coverage can go into effect as quickly as one day, though you risk being declined if claims are submitted before the underwriting process is completed.  You may request an effective date any time between the day after you sign the application and 45 days later, with the exception being that an application cannot become effective the 29, 30 or 31 of any month.

Please note, if you are requesting an effective date of less than 21 days from the time you complete the application, you may not receive notification of your approval until after your effective date.  If you have claims during this period, they will be eligible for coverage if submitted after you have been approved.  Also note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved.  This is very good for someone who does not have any present coverage and would like for their benefits to begin right away.  For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either ColoHealth or directly from Time Insurance that your coverage has been approved and is in force.

About Time:

Time Insurance is a national health insurance company developing and providing individual medical, small group, short term and student health insurance products.  In business since 1892, the company provides health insurance coverage for over one million people nationwide.  With almost 3,000 employees, Time Insurance is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho, and Florida, as well as sales offices across the country.

Time Insurance has been assigned a rating of A- (Excellent) from the A.M. Best Company, an independent insurance rating organization.

For a complete listing of all available plans, please visit our main Time Insurance page.

ColoHealth is an independent authorized Time Insurance agent in Colorado.

"I really appreciate your friendliness and how you pay attention to the details." The service at ColoHealth has been friendly and professional.  Fred was patient with my questions and truly seemed to want to find the right plan for me, which in my case is affordable and gives me ample coverage in emergency situations.  His email responses were prompt and polite - I would definitely call again with any questions or concerns. I really appreciate your friendliness and how you pay attention to the details. Thank you! Robert Muratore Filmmaker Denver, CO Read More...

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