Each year starts out with a 10% credit on January 1 — Even if you meet your One Decreasing Deductible in the previous year, we’ll start the next year with a 10% credit on January 1. And, we’ll apply another credit on July 1 if you haven’t met your One Decreasing Deductible.

Credits start over after you meet your deductible — After you meet your One Decreasing Deductible, Assurant Health will pay covered expenses at 100% — according to your plan. You won’t collect any more credits for the calendar year because your deductible has been met and your accumulating credits have been used. But, the following January 1, the process starts over with your plan deductible and your first 10% credit for the new year.

Credits accumulate over time — Credits accumulate, year after year, until your One Decreasing Deductible is met. The deductible in your insurance contract stays the same but, credit by credit, the deductible amount you have to pay is reduced.

Savings as much as 70% — As you accumulate credits, your One Decreasing Deductible can go as low as $1,500 for individual coverage or $3,000 for family coverage. With the highest deductible options, you may see deductible savings as much as 70%.

Easy for you — We’ll track your credits and your One Decreasing Deductible amount. As long as you keep this coverage up-to-date, we’ll do the rest.

Automatic — The credits you accumulate are applied automatically when you meet or exceed your One Decreasing Deductible.