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Assurant Redacted HW

Apr 14, 2018

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    Assurant Health markets products underwritten by Time Insurance Company, Union Security Insurance

    September29,

    2010

    JamesMayhew

    HealthandHumanServices

    OfficeofConsumerInformationandInsurance

    OfficeofOversight

    Room737F04

    200IndependenceAve.SW

    WashingtonD.C. 20201

    Re:Waiver

    of

    Application

    of

    Time

    Insurance

    Company

    and

    John

    Alden

    Life

    Insurance

    CompanysKeyMedandAssurantAffordableHealthAccessA,BandCProductsDearMr.Mayhew,

    501WestMichigan

    P.O.Box3050

    Milwaukee,WI 532013050

    T800.800.1212

    www.assurant.com

    Beginningin2008,webegansellingthelimitedbenefitplanstitledAssurantAffordableHealth

    Access. In2007,webegansellingKeyMed. Theseplansprovidebenefitsforeverydaymedical

    expensessuchasofficevisitsandprescriptiondrugs. Theseplansincludesomeoutpatientand

    hospitalizationcoverage. Weseekawaiveroftheapplicationoftheimpositionoftherestricted

    annuallimitsportionofPPACA. Therequestsaresetforthbelow:

    HealthAccess

    A

    1. BenefitsunderHealthAccessA,whichisissuedwithnomedicalunderwriting 4officevisitsperyearatamaximumof visitforatotalofmaximumof

    peryearforofficevisits

    maximumperyearforprescriptiondrugs peryearforoutpatientxrayandlaboratoryservices peryearforsurgicalservices

    2. Therearecurrently planswitheffectivedatesafter3/23/2010,whosenextplanyearbegins1/1/2011. WestoppedsellingthisplanonJune15,2010.

    3. Theannuallimitsweseektomaintainarelistedabove. Thepremiumratesforthisproductvarybyage milycomposition. Aratechartisattached. Forexample,

    a

    single

    person

    aged

    would

    pay

    in

    the

    monthly

    premium.

    For

    a

    husband

    (age andwife children,themonthlypremiumis4. Compliancewiththeremovaloftheannualmaximumswouldresultinasignificant

    increaseinpremiumspaidbyourinsureds. Theinc inpremiumnecessarytoaccountforremovalofjusttheannualmaximumsis Theadditio hewellnessbenefitsf productwillresultinapremiumincreaseof foranoverallincreaseof

    Company and John Alden Life Insurance Company.

    ASSURANT:000001

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    Page 2

    5. AttestationofChiefExecutiveOfficerisattached.HealthAccessB

    1. BenefitsunderHealthAccessB officevisitsperyearatamaximumof$ /visitforatotalofmaximumof$

    peryearforofficevisits

    peryearforprescriptiondrugs peryearforoutpatientservices

    2

    emergency

    room

    visits

    per

    year

    at

    a

    maximum

    of

    /year

    for

    a

    total

    annual

    maximumof ground, airambulancefor2tripsperyearforatotalannual

    maximumof ground, air Upto dayforsickness, /dayforinjuryduetoinpatienthospitalization,

    toamaximumof peryear

    Surgicalservicespaidperaschedule, limitedto peryear2. Therearecurrently planswitheffectivedatesafter3/23/2010,whosenext

    planyearbegins1/1/2011. WestoppedsellingthisplanSeptember15,2010.

    3. Theannuallimitsweseektomaintainarelistedabove. Thepremiumratesforthisproductvarybyageandfamilycomposition. Aratechartisattached. For

    example,asinglepe aged ,wouldpay inthemonthlypremium.usband

    (age

    )and

    wife

    with children,themonthlypremiumis

    .

    4. Compliancewiththeremovaloftheannualmaximumswouldresultinasignificantincreaseinpremiumspaidbyourinsureds. Theincreaseinpremium

    necessarytoaccountforremovalofjusttheannualmaximumsis The

    additionof ellnessbenefitsforthisproductwillresultinapremiumincreaseof ,foranoverallincreaseof .

    5. AttestationofChiefExecutiveOfficerisattached.HealthAccessC

    1. BenefitsunderHealthAccessC

    4officevisitsperyearatamaximumof /visitforatotalofmaximumofperyearforofficevisits

    peryearforprescriptiondrugs peryearforoutpatientservices emergencyroomvisitsperyearatamaximumof /yearforatotalannual

    maximumof

    ASSURANT:000002

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    Page 3

    ground, /airambulancefor tripsperyearforatotalannualmaximumof ground, air

    Upto /dayforsickness, /dayforinjuryduetoinpatienthospitalization,toamaximumof peryear

    Surgicalservicespaidperaschedule, limitedto peryear2. Therearecurrently planswitheffectivedatesafter3/23/2010,whosenextplan

    yearbegins1/1/2011. WestoppedsellingthisplanSeptember15,2010.

    3. Theannuallimitsweseektomaintainarelistedabove. Thepremiumratesforthisproduct

    vary

    by

    age

    and

    family

    composition.

    A

    rate

    chart

    is

    attached.

    For

    example,

    asinglepersonaged wouldpay inthemonthlypremium. Fora

    husband(age andwifewith children,themonthlypremiumis .4. Compliancewiththeremovaloftheannualmaximumswouldresultinasignificant

    increaseinpremiumspaidbyourinsureds. Theincreaseinpremiumnecessaryto

    accountforremovalofjusttheannualmaximumsis . Theaddit fthewellnessbenefitsforthisproductwillresultinapremiumincreaseof ,foran

    overallincreaseof .

    5. AttestationofChiefExecutiveOfficerisattached.KeyMed

    1. BenefitsunderKeyMedThose

    with

    annual

    maximums:

    officevisitsperyearatamaximumof peryearforofficevisits peryearforprescriptiondrugs peryearforoutpatientservices emergencyroomvisitsperyearatamaximumof$ /yearforatotalannual

    maximumof

    ground, /airambulancefor tripsperyearforatotalannualmaximumof ground, air

    Thosewithnoannualmaximums:

    Surgicalservicespai dule,witha perconditionmaximum sickness, injuryperinpatienthospitalizationday,uptoa

    maximumper

    condition

    2. Therearecurrently planswitheffectivedatesafter3/23/2010,whosenextplanyearbegins1/1/2011. WestoppedsellingthisplanJune15,2010.

    3. Theannuallimitsweseektomaintainarelistedabove. Thepremiumratesforthisproductvarybyageandfamilycomposition. Aratechartisattached. Forexample,

    asinglemaleaged whopurchasedthemostpopularplanwouldpay in

    ASSURANT:000003

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    themonthlypremium. Forahusband(age )andwifewith children,the

    monthlypremiumforthatplanis

    4. Compliancewiththeremovaloftheannualmaximumswouldresultinasignificantincreaseinpremiumspaidbyourinsureds. Theinc npremiumnecessarytoaccountforremovalofjusttheannualmaximumsis Theadditionofthewellnessbenefitsf productwillresultinapremiumincreaseof foranoverallincreaseof

    5. AttestationofChiefExecutiveOfficerisattached.Werespectfullyrequestthatawaiverbegrantedassetforthabove. Pleasecontactmeifyou

    havequestionsorrequireadditionalinformation. Thankyouforyourconsideration.

    Sincerely,

    JuliaM.Hix

    VicePresident,RegulatoryCompliance

    AssurantHealthComplianceOfficer

    [email protected]

    (T)(414)2997830

    (F)(414)2996168

    ASSURANT:000004

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    ASSURANT:000005

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    Pages 6 through 7 redacted for the following reasons:- - - - - - - - - - - - - - - - - - - - - - - - - - - -Exemtion (b)(6)

    ASSURANT:000006

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    ///co-adshare/...20Force/CCIIO%20Waivers%20-%20Torres/DFOI%20Processing%20Team/Desiree/Assurant%20Health/Waiver.htm[11/02/2011 10:35

    rom: [email protected]: Wednesday, September 29, 2010 4:45 PM

    To: HHS HealthInsurance (HHS)Cc: [email protected]; [email protected]; [email protected]: Waiver

    Attachments: Waiver Application - Time Insurance Company and John Alden Life Insurance Company.pdflease find the attached letter for waiver of application of the restricted annual limit requirements which includes exhibit

    ttachments, including the required attestation.

    hank you,

    licia Blake

    enior Contract Compliance Analyst

    ssurant Health

    egal Department

    414.299.8713

    414.299.6168 This e-mail message and all attachments transmitted with it may contain legally privileged and/oronfidential information intended solely for the use of the addressee(s). If the reader of this message is not thentended recipient, you are hereby notified that any reading, dissemination, distribution, copying, forwarding or othse of this message or its attachments is strictly prohibited. If you have received this message in error, please notifyhe sender immediately and delete this message and all copies and backups thereof. Thank you.

    ASSURANT:000007

  • 7/30/2019 Assurant Redacted HW

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    ///co-adshare/...ers%20-%20Torres/DFOI%20Processing%20Team/Desiree/Assurant%20Health/Additional%20Info%2010.19.10.htm[11/02/2011 10:35

    rom: Andrews, Jane (HHS/OCIIO)ent: Tuesday, October 19, 2010 11:25 AM

    To: '[email protected]'Cc: Habit, Sandra (HHS/OCIIO)

    ubject: Regarding Assurant's application for annual limit waiversMs. Hix: I am currently reviewing your application for annual limit waivers for your four products. I have several questions:

    looks as if these are fully insured products for groups, is that correct? If this is not correct, please let me know what market

    hese policies are for, e.g. individual market.

    lso, it looks as if the effective dates for all products is 1/1/11. Is that correct?inally, woul u to give us the premiums that underlie the percent increases? For example, you have notedercents like etc, but can you tell us what current premium that is based on and future premium amount if

    ad to compl annual limit? Is that an average premium across all age and genders?hanks and feel free to contact me with questions.

    ane W. Andrews

    CIIO

    501 Wisconsin Ave

    ethesda, MD 20814

    01

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