One Deductible HSA/PPO

Core Med PPO

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

Dental Insurance

Dental / Vision Discount Plan

Accident Medical Expense

Term Life Insurance

Maternity Benefit *

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.

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.

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 HSA for America or directly from Time Insurance that your coverage has been approved and is in force.

HSA Fundamentals - This is a basic interest-bearing account administered by Assurant Health. You can set this account up to automatically reimburse you for out-of-pocket expenses every time a claim is paid or you can leave it to earn interest until you request a release of funds. There is no administrative fee for this account.

HSA Tools - This account gives you the ability to control your funds. You can invest in money market accounts or mutual funds; learn more about investing options and plan for account disbursements all from your home computer. This account also provides a VISA debit card for qualified medical expenses.

For more than 110 years, Time Insurance has maintained a solid reputation for high quality products, financial stability and a commitment to the health insurance industry.  The company offers Individual Medical and Small Group plans, which include Health Savings Accounts, Health Reimbursement Arrangements, comprehensive major medical plans as well as a lower cost major medical plan.  The company is also the number one seller of temporary health insurance (Short Term) in the United States.

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

HSA for America is an independent authorized Time Insurance agent.