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• How UHAs would benefit those who buy individual coverage but are not self-employed, as well as early retirees and workers at firms that do not offer health savings accounts (HSAs). private equity fund of funds

• The portability and flexibility benefits of UHAs, which subsidize coverage from multiple sources, including employers and the government. curve equity exposed fund

• }The UHAs matching incentive provision, which offers health insurance subsidies for working families with moderate incomes. (Recent data from the U.S. Census Bureau shows that the fastest growth in the uninsured population is occurring among households with incomes between $25, 000 and $75, 000). equity income funds

• Expanding the State Children% Health Insurance Program (SCHIP) to make eligible all uninsured children from families with incomes below 200 percent of the Federal Poverty Level. capital casebook equity

• }Further details on the AHIP proposal can be found at www.ahipbelieves.org. private investment in public

Health Insurance Home nbsp About Us nbsp Contact Us nbsp Site Map

?} Health Plans For Customers For Agents For Providers Careers Newsroom My HSA Account Press Release } Assurant to Sell Equity Interest in Private Health Care Systems, Inc New York % August 31, 2006 % Assurant, Inc. (% ssurant% (NYSE: AIZ), a premier provider of specialized insurance and insurance-related products and services, announced today its decision to sell its equity interest in Private Health Care Systems, Inc. (PHCS) to New York-based MultiPlan, Inc. equity mutual funds

MultiPlan, a healthcare financial risk manager, will acquire PHCS from Assurant and the two other majority shareholders in PHCS, Trustmark Mutual Holding Company and The Guardian Life Insurance Company of America. The transaction is expected to close by the end of the year pending regulatory approvals.} birmingham contact equity

As part of the agreement, Assurant% health care customers will have long-term access to the PHCS and MultiPlan networks for defined access fees and with performance standards from PHCS and MultiPlan. With nearly 450, 000 providers and over 4, 000 facilities, PHCS serves more than 16 million lives. MultiPlan% network of over 4, 000 hospitals, 90, 000 ancillary care facilities and 700, 000 practitioner locations is accessed by an estimated 27 million lives. private equity investment firm

% he network strength of PHCS and MultiPlan will bring continued strong network availability and discounts to our customers, further improving our competitive position, % said Rob Pollock, Assurant% president and chief executive officer. % s a leading specialty insurer we continue to be focused on increasing shareholder value and long-term profitable growth.% complying deal equity funds

% his arrangement aligns us with a leading network services company which allows us to focus on our core individual medical business, % said Don Hamm, Assurant Health% president and chief executive officer. % ssurant Health is committed to offering its customers unparalleled access to a large network of quality providers throughout the country. We believe the combined strength and experience of PHCS and MultiPlan will result in benefits for all involved % broader provider access for our customers leading to more efficient health care spending.% equity msn private wyoming

Press Contact:

Drew Guthrie Manager, Communications and Media Relations Phone: 212-859-7002 Fax: 212-859-5893 drew.guthrie@assurant.com } Investor Relations: Melissa Kivett Senior Vice President Investor Relations Phone: 212-859-7029 melissa.kivett@assurant.com } american equity investment

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} Health Plans

| For Customers | For Agents | For Providers | Careers | Newsroom | My HSA Account equity index funds

In tonight% State of the Union Address, President George W. Bush is expected to tout Health Savings Accounts (HSAs) as a key element of his ongoing healthcare reform agenda, including provisions that may include raising the annual HSA contribution amount.} The President may also discuss providing tax credits to individuals who purchase Individual Medical insurance coverage. equity private team wyoming

% he President% strong support of HSAs reflects the many benefits they are providing to millions of Americans. They are reducing healthcare costs, making healthcare more accessible and putting consumers in charge of their own healthcare decision making and financing, % said Don Hamm, President and CEO of Assurant Health. Assurant Health offered the first HSA and is a leading driver of their growth.} equity group investment

Hamm also believes the new provisions will encourage many more consumers to purchase their own healthcare coverage. % SAs have already given consumers powerful new healthcare options. The new proposals will make HSAs even more flexible and affordable%nd therefore more attractive to Americans with or without coverage.} We also strongly support tax equity for individuals purchasing their own health insurance.% /p capital development equity

A recent survey by America% Health Insurance Plans (AHIP), Individual Health Insurance: A Comprehensive Survey of Affordability, Access, and Benefits, reinforces the many benefits of HSAs. Recent findings show that: article between difference

% SAs are gaining momentum.} Preliminary results from a January 2006 survey by AHIP revealed that enrollment in HSA plans has tripled over the last twelve months. More than three million lives now covered by an HSA-qualified high-deductible health plan. contact equity private wyoming

% SAs have broad appeal.} HSAs are taking hold across all segments of the population. Seventy percent of Assurant Health% HSA policyholders have been families with children. 61 percent are over the age of 40. 29 percent have household incomes of less than $50, 000. And importantly, 44 percent of applicants did not indicate they had prior health insurance coverage. This suggests that HSAs have powerful appeal to those who live without health insurance coverage of any kind.} agreement equity investment

% SAs are a valuable financial tool.} HSAs are already providing millions of Americans with a valuable tax-free savings and retirement planning vehicle. The next generation of HSAs will look more like 401(k) retirement accounts. For example, Assurant Health provides online tools that help HSA owners manage account transactions with an integrated, secure website, as well as through a debit card and checkbook. It has recently expanded its offering to allow HSA owners to invest account assets in mutual funds.} business equity funds

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?} Health Plans For Customers For Agents For Providers Careers Newsroom My HSA Account Press Release } National Survey Reveals Parents Need to Be Educated on Health Insurance Risks, Options for their College Grads private equity fund

Nearly 40 percent mistakenly believe that adult children living at home are still covered under their health plans New research by College Parents of America and Assurant Health shows parents are concerned about insurance but unaware of affordable options Milwaukee % April 18, 2006 % Graduation day is just around the corner, but it% the parents of these young students who still need remedial education on whether their health plans cover their children and the options now available for short-term medical insurance. investment property home

Findings from a recent national survey of college parents revealed that only 23 percent were highly confident that their adult children would immediately find a job after college that provides health insurance. Yet, fewer than one in three were aware that they could buy short-term medical insurance for these young adults for as little as $50 per month. managed equity funds

The research was conducted by College Parents of America and Assurant Health.} It reaffirmed the results of a previous Assurant Health survey that showed 40 percent of parents mistakenly believed that adult children (ages 21 -24) living at home were covered under their health insurance plans. capital entrepreneurial equity

% e hope this sends a wake-up call to the tens of thousands of parents who do not realize they may be at great financial risk right after their children graduate, % said James A. Boyle, founder and president of College Parents of America, the only national membership association dedicated to advocating and serving on behalf of current and future college parents. private equity hedge funds

Some of the survey% other findings included:

• 20 percent of parents have no idea when their health insurance will no longer cover their college-age children. email equity private wyoming

• Most believe that short-term health insurance for a healthy young adult costs more than $100/month, when in fact such policies can be obtained for as little as $50/month. equity loan on investment

• 68 percent of the parents were not even aware of the availability of short-term health insurance, which typically offers coverage for periods ranging from one to six months. equity income mutual funds

% ther studies show that about 40 percent of young adults are uninsured at some time during the year following their graduation, % said David Andrews, Vice President, Product Management, Short Term Medical for Assurant Health. % ith college expenses so high, the last thing parents and their children need is to get hit with unexpected medical bills.% /p private equity group

According to Assurant Health data, a climbing accident could result in more than $450, 000 in medical expenses, while a case of pneumonia can cost $75, 000. One Assurant Health policyholder suffered a spinal cord injury that cost $623, 000 to treat, yet paid only $266.40 for six months of short-term coverage. private investment public

Assurant Health offered the country% first Short Term Medical Plan in 1973 and is the leading provider of temporary health insurance. For more information on the company% other health insurance products and services, please visit www.assuranthealth.com. real estate private equity

About College Parents of America College Parents of America is the nation s only membership organization dedicated to advocating for and providing practical information to parents of current and college-bound students. Based in Arlington, Virginia, it also provides discounts on a broad variety of educational and consumer products to help members save money while their children prepare for, apply to and make the transition to college. The College Parents of America Web site is

www.collegeparents.org. contact equity private us

Assurant Health Claims Submission Process at assuranthealth.com Learn about Assurant Health s claim submission process at assuranthealth.com. HIPAA Transactions Claim/Provider Status Assurant Health Claims Submission Process

Claims Submission Process real estate equity investment

Electronic Claims Submission

To submit claims electronically to Assurant Health, please contact our clearinghouse: 1. Emdeon http://transact.emdeon.com/* 1-877-469-3263 Assurant Health Payer IDs: structuring venture capital

• Time Insurance Company % 390658730 equity private quebec team

• Union Security Insurance Company % 704080001 equity mail private wyoming

• John Alden Life Insurance Company % 410999752 investment home equtiy loan

For additional information, please contact the Assurant Health EDI Services Department at EDISERVE@assurant.com *These Web sites are not owned or affiliated with Assurant Health but are business affiliates of ours. This link is provided for your convenience only, and does not constitute a statement of endorsement, approval, affiliation or favoring of the external site. private equity jobs

Claims Submission by Mail

Please refer to the back of the Insured s ID card for claims submission information. If you do not have a copy of this ID card, you may contact the appropriate department listed below. Individual Medical Customer Service Phone Numbers John Alden Life Insurance Company 1-800-553-7654 Time Insurance Company 1-800-553-7654 Small Group Customer Service Phone Numbers John Alden Life Insurance Company 1-800-328-4316 equity investment strategy

Time Insurance Company 1-800-743-8463 Union Security Insurance Company 1-800-444-6254 Specialty Products (Student Select/Short Term) Customer Service 1-800-800-2412 Assurant Health General Phone Number 1-800-800-1212 education equity investment

Nationally Contracted/Ancillary Service Providers

Please refer to the Assurant Health Claims Guidelines for mailing instructions. If you need further assistance, please contact your National Contracts Representative. private equity company

HIPAA Transactions Claim/Provider Status HIPPA HIPAA Transactions

Assurant Health has actively worked with our clearinghouse to support all of the transactions mandated under the HIPAA Transaction Regulations. These transactions include: equity guide in investment

• 270/271 Health Care Eligibility Benefit Inquiry and Response contact equity private quebec

• 276/277 Health Care Claim Status Request and Response home equity investment

• 278 Health Care Services Review - Request for Review and Response dimension equity in private

• 820 Payroll Deducted or Other Group Premium Payment credit equity home investment

• 834 Benefit Enrollment and Maintenance private equity investor

• 835 Health Care Claim Payment Advise equity guarantee insurance

• 837D Health Care Claim - Dental private equity analyst

• 837I Health Care Claim - Institutional equity investment policy

• 837P Health Care Claim - Professional create equity equity into

As we continue to work towards HIPAA compliance, Assurant Health will continue to support our customers and providers as we have in the past. Please check this Web site periodically for updates on our HIPAA Transaction and Codeset readiness. company equity investment

Assurant Health currently supports the following transactions through our clearinghouse: HIPAA Transaction Clearinghouse Emdeon 837 Supported 835 270/271 276/277 278 For more information on submitting transactions to Assurant Health, please contact one of our clearinghouses: Business Services: http://www.emdeon.com/business_services.php * top private equity firm

Electronic Claims Resource Center: http://transact.emdeon.com/* 1-877-469-3263 Assurant Health Payer ID s: private equity deal

For additional information, please contact the Assurant Health EDI Services Department at EDISERVE@assurant.com. apollo private equity

*These Web sites are not owned or affiliated with Assurant Health but are business affiliates of ours. This link is provided for your convenience only, and does not constitute a statement of endorsement, approval, affiliation or favoring of the external site. birmingham equity msn private

Health Plans Individual Family Get A Quote HSAs Buyer s Guide FAQs Insurance Terms Small Group Employer Major Medical Consumer Choice Plans HRAs Self Funded Ancillary Coverage Short Term Student International Discount Plans Prescription Discount Plan Dental-Vision Discount Plan Medical Discount Plan birmingham equity mail private

HRA Frequently Asked Questions private equity capital

General Information Q. What is an HRA A.

An HRA is a federally authorized funding method that gives employers the option to reimburse employees for a portion of their health care expenses. private equity investing

Q. Can the employee contribute to an HRA either directly or through salary reduction A.

No, an HRA is solely employer funded. Q. Must an HRA be combined with a high deductible plan A. No, HRAs can be independent of a major medical plan. If combined with a major medical plan, an employer is not restricted to a particular type of plan that accompanies the HRA. However, an employer s savings may be maximized with a high deductible plan. chicago private equity

Q. Must an employee participate in health insurance coverage to receive an HRA A.

There is no legal requirement, but an employer can require an employee to participate in health insurance in order to receive the HRA. Q. Can an employer pay out any cash balance from an HRA to an employee who is terminating A. No. However, an employer can set up the HRA so that when employees retire, the remaining balance can be used to pay for retirees medical expenses. capital equity india private

Q. Can an employer continue to reimburse a former employee for medical expenses after termination A.

Yes, if the employer sets up the HRA to do so. This form is designed to provide information regarding Health Reimbursement Arrangements (HRAs) and how they can be used with high deductible plans. It is provided with the understanding that Assurant Health and its subsidiaries do not establish or administer HRAs and are not engaged in rendering tax or legal advice. Assurant Health disclaims any and all liability for creation or administration of HRAs. If tax or legal advice is required, seek the services of a professional advisor. equity mail private quebec

Assurant offers a health insurance plan buyers guide for prospective customers; learn more at assuranthealth.com.

Manage the trade-offs You can better meet your budget by managing the differences between premium and benefits. private equity funding

It really about choice

If you re interested more in routine needs: Some people have mainly routine needs doctor visits for minor illness and injury and use low deductible copay plans to pay for them, which makes visits to the doctor s office feel affordable. You l pay more for the convenience of knowing what you l spend every time you visit the doctor or need a prescription. equity jms private

If you re interested more in catastrophic needs: Some people use insurance to pay only for catastrophic events. They pay out of their pocket for the costs associated with everyday health care needs in exchange for the lower premium of a high deductible plan. When you have a significant medical expense, even in the worst case, you e still likely to save money with a high deductible plan. Look at an actual premium* comparison between a low-deductible copay plan and a high-deductible plan then choose what feels right for you. birmingham email equity

*Actual premium based on two adults, age 38, and two children. Rate is for illustration only. Plan A Plan B Low-deductible copay plan High-deductible plan Coinsurance 80/20 (we pay 80%, you pay 20%) 100% Copay $25 Doctor Office Copay (unlimited) No Copay (subject to coinsurance and deductible) Deductible $500 $5, 000 private equity conference

Out-of-pocket (OOP) Maximum

$2, 500 (includes deductible and 20% coinsurance to limit) $5, 000 (Deductible is out-of-pocket maximum) Compare your premium Printable Worksheet Low Deductible Plan annual premium High Deductible Plan annual premium Savings $5, 400 - $2, 556 = $2, 840 Compare your out-of-pocket High Deductible Plan OOP Low Deductible Plan OOP OOP Difference private equity career

$5, 000 - $3, 500 = $1, 500 Savings (Savings - OOP Difference) $1, 340 private equity definition

Summing up the trade-offs

Low-deductible Copay Plan You re paying a higher monthly premium for the convenience of a lower fixed cost for everyday needs. High-deductible Plan You re paying a lower monthly premium for expenses you might incur. Annually, you will save money with a higher deductible even if you use your plan to the fullest. private equity week

Contact

Understanding the trade-offs between plans is a good way to see where you can save money. We can show you other options, too. For more information about Assurant Health s plans, please call 866-884-INFO (866-884-4636) or contact your local insurance agent. back to top ^ private equity fund raising

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Information about Assurant s health insurance plan buyers guide is available for prospective customers at assuranthealth.com.

If you e new at purchasing individual medical health insurance, it could be because you e always been covered through someone else your employer or maybe your parents. Have You Always Had Group Insurance You may not know the true or total cost of your premium. You may have only known your required contribution in the form of payroll deduction or a copay at a doctor. With individual medical, you see the total cost of your insurance. The Facts Speak for Themselves: china private equity

• Half a million Americans who file for bankruptcy each year do so because of medical bills and other problems arising from serious illness or injury.

- Harvard School of Law Study (2000) largest private equity firm

• The uninsured are up to 70% more likely to be hospitalized than people with insurance for conditions such as diabetes, hypertension, pneumonia, and bleeding ulcers.

- American College of Physicians/American axa private equity

• Society of Internal Medicine Study (2000) Many Americans without health insurance have no other option than to use emergency rooms, often when they are sicker and treatment is more expensive.

- Seattle Post Intelligencer, March 4, 2003 private equity financing

Contact

Learning the facts about individual medical will help you get started. We can help. For more information about Assurant Health s plans, please call 866-884-INFO (866-884-4636) or contact your local insurance agent. back to top ^ india private equity

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Find health insurance policy terms and other information; make an informed decision about health insurance.

There are a lot of terms associated with insurance and they affect your coverage and what you pay for that coverage. Learn the basics below, then call us to help you select the right plan for you. What it means: How it impacts you: Deductible The amount you e responsible for before any benefits will be paid for covered medical expenses. The higher your deductible, the lower your premium. care equity health private

Coinsurance

Coinsurance is the portion of covered medical expenses you and Assurant Health share after you meet your deductible each calendar year. As your share of coinsurance increases, your premium typically decreases. Copayment Often called a opay, it the flat-dollar amount you pay for a specific medical service. Copay plans typically cost more because you re paying for the convenience of knowing what you ll spend each time you visit the doctor or fill a prescription. council equity private

Out-of-pocket Maximum

The maximum amount you e responsible for each year. The higher your out-of-pocket maximum, the lower your premium. Network Providers A group of providers who provide care at a predetermined lower rate. Staying in the network is an effective way for you to control your health insurance costs. private equity news

Contact

It s important to know how the specifics of insurance impact you. equity fund private start

Find information about a health insurance policy buyers guide available from Assurant Health.

People have different needs. That why flexibility and choice are important in your health plan. With Assurant Health, you l have many options to choose from. Individual deductible options From $500 to $10, 000 Family deductible options From $1, 000 to $15, 000 Lifetime maximum benefit From $2 million to $8 million - one of the industry s highest Prescription drug deductible From $0 to $500 Doctor Office Copay (DOC) From $20 to $40 including limited and unlimited options private equity lender

The amount of benefits provided depends upon the plan selected and the premium will vary with the amount of benefits. Not all options are available in all states. Call us at 866-884-INFO today to see what s available to you. Beyond the many plan choices you have, every plan automatically includes these benefits: blackstone private equity

• Preferred rates for those who qualify* private equity salary

• No limit on the Intensive Care Unit (ICU) private equity compensation

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• Worldwide coverage private equity directory

*Not available in OR and MD. private equity online

Contact

We can give you the details on our individual medical product portfolio. If you need temporary health coverage for 6 months or less, we can offer you our Short Term Medical. There are Student products too. For more information about Assurant Health s plans, please call 866-884-INFO (866-884-4636) or contact your local insurance agent. database equity job private

Find Assurant Health Insurance Online buyers guide information; learn how to calculate your savings.

By managing the trade-offs between premium and benefits, you can better meet your budget. Call our agents at 866-884-INFO Monday - Friday 8am - 5pm CT. Our agents will walk you through using the worksheet below to find a plan that best meets your needs. Print Worksheet Compare your premium Low Deductible Plan annual premium High Deductible Plan annual premium Savings private equity loan

Compare your out-of-pocket High Deductible Plan OOP Low Deductible Plan OOP OOP Difference Savings (Savings - OOP Difference) Use this worksheet to write down the plan specifics your agent gives you. Plan A Plan B Coinsurance Copay Deductible Out-of-pocket (OOP) Maximum This is an example of Comparing two sample health plans: private equity placement

Low-deductible copay plan High-deductible plan Coinsurance 80/20 (we pay 80%, you pay 20%) 100% Copay $25 Doctor Office Copay (unlimited) No Copay (subject to coinsurance and deductible) Deductible $500 $5, 000 Out-of-pocket (OOP) Maximum $2, 500 (includes deductible and 20% coinsurance to limit) $5, 000 (Deductible is out-of-pocket maximum) career in private equity

Compare your premium Printable Worksheet

$5, 400 - $2, 556 = $2, 840 Compare your out-of-pocket $5, 000 - $3, 500 = $1, 500 Savings ( Savings - OOP Difference) $1, 340 cerberus private equity

Summing up the trade-offs

Low-deductible Copay Plan You re paying a higher monthly premium for the convenience of a lower fixed cost for everyday needs. High-deductible Plan energy private equity

You re paying a lower monthly premium for expenses you might incur. Rate is for illustration only. Annually, you will save money with a higher deductible even if you use your plan to the fullest. international private equity

Contact

Understanding the trade-offs between plans is a good way to see where you can save money. We can show you other options, too. For more information about Assurant Health s plans, please call 866-884-INFO (866-884-4636) or contact your local insurance agent. private equity market

HSA Account Information: Frequently asked questions from Assurant Health Find HSA account information, including answers to frequently asked questions, from Assurant Health. Q. Who can establish an HSA A.

Most people with a qualified high deductible health insurance plan may establish an HSA. To be eligible, an individual must private equity san francisco

• be covered under a health plan with a high deductible* (as defined by federal law) private equity recruiter

• not be entitled to benefits under Medicare wharton private equity

• not be claimed as a dependent on another person s tax return. An HSA is established with an HSA trustee or custodian usually an insurance company or bank (much the same way that IRAs are established). private equity partner

* Exceptions to this rule are permitted insurance exceptions. The permitted exceptions are: Worker s Compensation, Tort Liabilities, Property and Casualty, Insurance for Specific Disease or Illness or Insurance that pays a fixed amount per day of hospitalization. Not all products will meet this definition. Consult with a professional advisor for more information. middle market private equity

Q. What is a high deductible health plan (HDHP) A.

A high deductible health plan satisfies certain requirements with respect to deductibles and out-of-pocket expenses. For single coverage in 2007, a high deductible health plan has an annual deductible of at least $1, 100 and annual out-of-pocket expenses (deductibles, coinsurance and other amounts, but not premiums or out-of-network costs) not exceeding $5, 500. For family coverage in 2007, a high deductible health plan has an annual deductible of at least $2, 200 and annual out-of-pocket expenses (deductibles, coinsurance and other amounts, but not premiums or out-of-network costs) not exceeding $11, 000. asia private equity

Contributions Q. Who may contribute to an HSA A.

Individuals, employers and their employees. Q. Can the employer and employee make contributions to the HSA at the same time A. Yes, federal regulations allow for both the employer and the employee to make HSA contributions to an account in any one tax year. Q. How is money contributed to the HSA baylor equity private

A.

Contributions may be made in one lump sum or in regular installments by either the employer, the employee or both. Q. How much can be contributed to an HSA in 2007 boston private equity

• The maximum contribution for a single person is $2, 850. brimbank email equity private

• The maximum contribution for a family is $5, 650. private equity los angeles

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