Assent LLC offers a medical insurance program for proprietary traders. The choice of whether to participate is left entirely up to each individual proprietary trader. As the documentation below summarizes, there are three plan options you can participate in, each differing in the amount of the participation costs and extent to which medical benefits can be applied. The details for each plan, along with appropriate contact information can be found below.
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Dear Traders:
Please be advised that Assent has decided to switch health insurance carriers as of April 1st, 2008. We are pleased to offer Horizon Blue Cross Blue Shield as our new healthcare carrier moving forward.
As a Horizon member, you don't need to worry about getting referrals from your doctor. You have the right to refer yourself to any specialist with-in the Horizon network. All plans offered in this program will utilize Horizon's National Network (Direct Access – PPO).
Under this Horizon program, we are offering three (3) options. Plan A, B, and C. Each plan will differ in benefits and the amount in cost. All plans and coverage will be effective 4/1/2010.
These plans offer worldwide coverage in the event of accidents and serious illnesses. An "800" telephone number will be provided on the back of your I.D. card.
Please review the choices below and select the best program that fits your
needs. If you need to make changes or if you would like to apply, please find the application here:
Horizon Healthcare Application 
Need to find a healthcare provider?
The health care coverage Assent LLC has arranged for, in conjunction with Ashton Benefits, includes nationwide network coverage. To determine which health care providers are included within the network, please visit the below Blue Cross/Blue Shield links.
- If you live in NJ: Click Here, then click on the Provider Directory link along the top
- If you live outside of NJ: Click Here
Plan A - Summary of coverage for Base plan
IN NETWORK FEATURES: Coverage for preventive, basic and major services. This plan has co-pay for Primary Providers at $20, Specialists at $40, and $500 Co-pay for any hospital stay within the network. There is now no deductible within the network for Inpatient and Out Patient Services (please see the detailed plan summary for more information). Horizon will pay 80%, and you will be responsible for the remainder of 20% for any medical care WITHIN THE NETWORK.
OUT OF NETWORK FEATURES: This enables you to have the flexibility to visit various physicians outside of Horizon’s network. By going outside the network, you will be subject to a deductible of $2,500 single, $5,000 family. Once you meet the deductible, Horizon will pay 60% of your bills based on the usual and customary reimbursement.
PRESCRIPTION CARD: There is now a deductible of $50 for prescriptions, $15 Generic / $35 Preferred Brand / $50 Non-Preferred Brand – 2x Mail Order
| Benefits | In Network | Out of Network | |
| Office Visits | $20 Co-Pay | Deductible & Co-insurance | |
| Office Visits for Specialist | $40 Co-Pay | Deductible & Co-insurance | |
| Deductible - does not apply to office visits | None | $2500 Single / $5000 Family | |
| Coinsurance | 80% | 60% | |
| Inpatient Hospital Co-pay | 80% after $500 Co-Pay | $500; Deductible & Co-insurance | |
| Emergency Room | 80% after $50 Co-Pay | Deductible after $50 Co-Pay | |
| Prescription Card | $15/$35/$50 after $50 deductible | $15/$35/$50 after $50 deductible | |
| Monthly Rate | |||
| Single | $405.31 | Employee & Spouse | $1015.08 |
| Employee & Children | $775.51 | Family | $1368.76 |
A PDF with full plan details will be available soon.
Plan B - Summary of Coverage for Mid plan
WITHIN THE NETWORK FEATURES: 100% of coverage for preventive, basic and major services. There is a $20 co-payment for physician office visits, $20 co-payment for specialist physician visit, a $100 co-payment for emergency room charge, and $500 Co-pay for any hospital stay within the network.
OUT OF NETWORK FEATURES: This enables you to have the flexibility to visit various physicians outside of Horizon’s network. By going outside the network, you will be subject to a deductible of $2,000 single, $4,000 family. Once you meet the deductible, Horizon will pay 60% of your bills based on the usual and customary reimbursement.
PRESCRIPTION CARD: There is now a deductible of $50 for prescriptions, $15 Generic / $35 Preferred Brand / $50 Non-Preferred Brand – 2x Mail Order
| Benefits | In Network | Out of Network | |
| Office Visits | $20 Co-Pay | Deductible & Co-insurance | |
| Office Visits for Specialist | $20 Co-Pay | Deductible & Co-insurance | |
| Deductible | None | $2000 Single / $4000 Family | |
| Coinsurance | None | 60% | |
| Inpatient Hospital Co-pay | $500 Co-pay | $200; Deductible & Co-insurance | |
| Emergency Room | $100 Co-pay | $100 Co-pay | |
| Prescription Card | $15/$35/$50 after $50 deductible | $15/$35/$50 after $50 deductible | |
| Monthly Rate | |||
| Single | $440.90 | Employee & Spouse | $1109.27 |
| Employee & Children | $847.79 | Family | $1496.05 |
A PDF with full plan details will be available soon.
Plan C - Summary of Coverage for Buy-up plan
WITH THE NETWORK FEATURES: 100% of coverage for preventive, basic and major services. There is a $15 co-payment for physician office visits, $15 co-payment for specialist physician visit, a $50 co-payment for emergency room charge and $0 co-pay for any hospital stay within the network.
OUT OF NETWORK FEATURES: This enables you to have the flexibility to visit various physicians outside of Horizon’s network. By going outside the network, you will be subject to a deductible of $500 single, $1,000 family. Once you meet the deductible, Horizon will pay 80% of your bills based on the usual customary reimbursement.
PRESCRIPTION CARD: There is now a deductible of $50 for prescriptions, $10 Generic / $20 Preferred Brand / $35 Non-Preferred Brand – 2x Mail order
| Benefits | In Network | Out of Network | |
| Office Visits | $15 | Deductible & Co-insurance | |
| Office Visits for Specialist | $15 | Deductible & Co-insurance | |
| Deductible | None | $500 Single / $1000 Family |
|
| Coinsurance | None | 80% | |
| Inpatient Hospital Co-pay | $0 Co-pay | Deductible & Co-insurance | |
| Emergency Room | $50 Co-pay | $50 Co-pay | |
| Prescription Card | $10/$20/$35 after $50 deductible | $10/$20/$35 after $50 deductible | |
| Monthly Rate | |||
| Single | $492.90 | Employee & Spouse | $1239.49 |
| Employee & Children | $946.32 | Family | $1670.68 |
A PDF with full plan details will be available soon.
