If you are self-employed, not covered through your employer, not covered by a spouses plan or if your children need health insurance, take a look at one of our Preferred Provider Organization (PPO) plans or our short term major medical plan (where available). We offer quality PPO plans and an excellent short term major medical plan (where available) that will suit the needs of virtually any buyer.

Preferred Provider Organization (PPO) Plans

Our PPO products give you the freedom to choose any physician or hospital you want. If you seek medical services from a doctor or hospital inside the PPO Network, you pay less for your health care services. If you seek medical services outside of the network, your benefits will be less generous. As a consumer, you can control your share of health care costs, just by seeking medical services from a doctor who is participating with your network. These network doctors will file your claims for you and must accept the network allowed amount as payment for covered services. What makes any of our PPO plans so desirable is your ability to go to any network provider you choose, including a specialist, whenever you choose. You do not need a referral for hospital, outpatient or ancillary services. In addition to our comprehensive state networks for our PPO products, we offer a way in which our policyholders may increase their benefits while reducing some costs, when they are traveling away from home. When medical services are received from a National Preferred Provider Network (NPPN) provider who is outside of your policy issue state, you can receive the same network level of benefits as in your own primary network.

Community Advantage PPO
Community Advantage is designed to control health care costs through use of network providers. If you are comfortable with the concept of managed care or wish to have more options available to you, Community Advantage is a perfect choice. In addition, Community Advantage is ideal if you have a strong PPO Network in your area and you are looking for preventive care, prescription drug and dental benefits.

Medalist
Designed with convenience and affordability in mind, the American Community Medalist plan is an economical Preferred Provider Organization (PPO) plan that features coverage that fits a variety of needs. You are able to choose from a Maternity option, Doctor Office Visit Copay, Dental Benefit and Preventive Care options. The sensible benefit structure is intended to minimize your out-of-pocket expenses while maximizing your coverage by utilizing the PPO network, use of generic drugs when available, and eliminating costly emergency room visits. You can design your health plan to meet your needs and fit your budget with five deductible choices, two benefit percentage selections, and four benefit options (as listed above). Please contact us today for more details about the Medalist plan.

Community Med 100
The Community Med 100 Plan offers extensive and reliable health care coverage with a refreshingly simple design. The product offers the choice of deductible amounts for services provided by an in network as well as out-of-network providers. Insureds don’t have to worry about additional copay for general office visits or hospital procedures. After the yearly deductible amount is met, the insurance provider pays 100% of the remaining charges for services received from a network provider, and 75% for services received from an out-of-network provider. In addition to inpatient and outpatient hospital/physician services, Community Med 100 offers these benefits: Prescription Drug program coverage, Preventive Care benefits, Deductible waived for treatment due to injuries, Optional Maternity coverage, Optional Front-end deductible for prescription drugs to reduce your premium, Optional Dental coverage.

Community Med HSA
The Community Med HSA is a qualified high deductible health insurance plan that can be combined with a health savings account. It allows the flexibility to design a plan suited to fit personal lifestyle and finances. Community Med HSA offers multiple options for deductibles and benefit percentages for PPO network and non-network healthcare providers. Once the deductible is met, the plan begins providing benefits for inpatient and outpatient hospital and physician services, based on the network levels selected. It also includes a deductible-waived accident benefit, an accidental death benefit and a prescription drug program. Optional coverage is available for dental and/or maternity.

Major Medical (Non PPO) Plan

Our Short Term plan gives you individual, temporary, major medical health insurance coverage and offers comprehensive coverage with the flexibility to select doctors and hospitals of your choice.

Short Term
If you are between jobs, waiting for coverage with your new employer, a recent college graduate, or recently discharged from the military, our Short Term Medical Policy is exactly what you need. Our Short Term medical plan gives you individual, temporary, major medical health insurance coverage.

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