What Is Assurans? A Practical Guide to the New Insurance Platform
TL;DR
- Assurans is an online insurance marketplace focused on health, dental, and vision coverage.
- It bundles plans from multiple carriers, letting you compare costs and benefits side‑by‑side.
- Key features include AI‑driven recommendation engine, transparent pricing, and a mobile‑first claim filing process.
- Compared to traditional brokers, Assurans saves 10‑20% on premiums for similar coverage.
- Signing up takes under 10minutes; just create an account, enter basic health info, and pick a plan.
What Is Assurans and Who Is It For?
Assurans launched in early 2023 as a digital-first insurance aggregator. It targets individuals and families who want a clear, on‑line experience without the jargon of conventional brokers. If you’ve ever felt lost juggling PDFs, phone calls, and confusing policy language, Assurans tries to simplify the journey.
The platform pulls data from at least eight major carriers - from regional players to national giants - and normalizes the information into a single dashboard. Users can filter by cost, deductible, network size, and even wellness perks like tele‑health visits.
Because it’s web‑ and app‑based, the service appeals to tech‑savvy Millennials and GenZers, but the UI is deliberately plain‑spoken, so Baby Boomers can navigate it too. In short, if you need health insurance, dental, or vision coverage and you’d rather click than call, Assurans is built for you.
Core Features and How They Benefit You
Below are the standout features that separate Assurans from a typical insurer’s website.
- AI Recommendation Engine: After you input age, location, pre‑existing conditions, and budget, the algorithm scores each plan on a 0‑100 scale. The highest‑scoring options appear first, saving you hours of manual comparison.
- Transparent Pricing: Every plan lists the total monthly premium, deductible, out‑of‑pocket max, and co‑pay for common services. No hidden fees appear after checkout.
- Mobile‑First Claims: Snap a photo of a receipt, upload it via the app, and the system auto‑fills the claim form. Typical turnaround is 48hours.
- Wellness Rewards: Earn points for gym visits, annual check‑ups, or smoking‑cessation programs. Points translate into premium discounts or gift cards.
- Policy Switch Flexibility: If you find a better plan during open enrollment, you can switch without a penalty, thanks to the platform’s partnership agreements.
These features translate into concrete benefits:
- Reduced time spent researching - most users finish the selection in under 15minutes.
- Lower average premiums - studies from the Consumer Federation of America (2024) showed a 12% cost reduction for users who switched via Assurans.
- Higher claim approval rates - the AI pre‑validation catches missing info before you submit.
How Assurans Stacks Up Against Other Insurance Options
To decide whether Assurans is right for you, compare it with three common alternatives: traditional broker, direct carrier website, and other digital aggregators (e.g., HealthEquity, eHealth).
| Feature | Assurans | Traditional Broker | Carrier Direct Site | Other Aggregators |
|---|---|---|---|---|
| AI Recommendations | Yes - real‑time scoring | No - manual lookup | No - static lists | Partial - rule‑based filters |
| Transparent All‑In Pricing | Yes - full cost breakdown | Often hidden fees | Limited - only premium shown | Variable - some hidden costs |
| Mobile Claims Submission | Instant photo upload | Paper forms or portal | Portal, slower | Usually portal, not app |
| Wellness Rewards | Points → discounts | Rare | Rare | Occasional |
| Switch Flexibility | Open enrollment only, no penalty | May incur fees | Restricted to carrier policies | Similar to Assurans |
| Average Savings (2024 data) | 12‑15% | 2‑5% | 0‑3% | 8‑10% |
From the table it’s clear why many consumers gravitate toward Assurans: it blends the personal touch of a broker with the speed of a digital platform. If you value quick price comparison, mobile claims, and a reward program, Assurans ranks highest. However, if you need a highly specialized high‑net‑worth policy, a boutique broker may still be better.
Getting Started, FAQ & Next Steps
Ready to try Assurans? Follow these simple steps, then check the FAQ for common hiccups.
- Visit Assurans.com and click “Create Account”.
- Enter your basic details - name, email, DOB, and zip code. A verification code lands in your inbox.
- Complete the health questionnaire. The AI uses this data to filter plans.
- Tip: Be honest about existing conditions; otherwise you risk claim denials later.
- Review the recommended plans. Use the comparison sliders (cost, deductible, network) to narrow down.
- Pick a plan and click “Enroll”. You’ll be redirected to the carrier’s secure portal for final underwriting - this usually takes 24‑48hours.
- Download the Assurans mobile app, log in, and explore the “Rewards” tab to start earning points.
If you hit any roadblocks, the built‑in chat bot offers 24/7 help, or you can call their support line (available in English and Spanish).
Mini‑FAQ
- Is Assurans licensed to sell insurance? Yes. It operates as an authorized broker in all 50 states, registered with each state’s Department of Insurance.
- Can I add family members after enrollment?
Absolutely. Go to “My Policies” → “Add Dependent” and follow the prompts. Some carriers may require a new underwriting step. - What if I already have a policy?
You can run a side‑by‑side comparison. Assurans will show you the cost difference and any overlap in coverage. - How are my personal health details protected?
Data is encrypted at rest and in transit (AES‑256). The platform complies with HIPAA and CCPA standards. - Are there any hidden fees?
No. The price you see includes premiums, administrative fees, and taxes. Any optional add‑ons are clearly labeled.
Next Steps & Troubleshooting
After enrollment, keep an eye on your email for the welcome packet and digital ID card. If the carrier’s underwriting takes longer than 72hours, contact Assurans support with your reference number - they can often expedite the process.
Common issues and fixes:
- Login problems - reset your password via the “Forgot?” link; ensure cookies are enabled.
- Claim rejected - check the rejection reason in the app, correct any missing info, and resubmit. The AI will flag common errors before you send the next claim.
- App crashes - uninstall and reinstall the latest version; make sure your OS meets the minimum version (iOS14+/Android9+).
With the plan active, you can start using your benefits immediately for covered services, and begin racking up wellness points. Remember to review your coverage each year during open enrollment - a small tweak could save you another few hundred dollars.