American Medical Security

American Medical Security Life Insurance Company provides adaptable, competitive health insurance plans for individuals and families. They serve customers throughout the nation through relationships with professional, independent brokers and quality health care providers.

AMS understands that Americans prefer having choices when it comes to health insurance. That is why they research the health insurance marketplace and strive to design products that give customers the choices they are looking for. AMS Medical and dental insurance plans for individuals and families offer flexibility and cost effectiveness.

AMS offers the following types of plans:

MedOne Plus- allows you to choose an insurance plan that will meet your individual needs as well as your budget.

It offers Flexibility; Select benefits to create the right combination for your needs and Choice; choose the co-payment and deductible levels you want or select a health insurance plan with no co-payment.

MedOne Security - is a great option for customers looking for lower premiums. In addition to offering the same benefits as MedOne Plus, the plan offers.

Desirable Options; The most popular deductibles of MedOne Plus, coinsurance options, and a facility copay.

And Coverage; Higher deductibles that make lower premiums possible.

MedOne HSA savings - Designed to meet federal qualifications of a high-deductible health plan that can be used with or without a tax-deductible federal health savings account.

Plan Highlights

MedOne Plus PPO 100 and Med One plus PPO Plans offer unlimited Doctor Visits with a $30 or $40 copay and Network Deductible options of $500 to $10,000 and Coinsurance options of 50%, 80% or 100%. Adult and Child Preventive Care visits at $30 copay; Rx option available; If Rx added, choice of Rx deductibles available are $0, $500, 500 or $1,000 with Generic Rx Copay $15 and brand name 50% coinsurance.

MedOne Security plans offer PPO Facility Copay plans with 100%, 80% or 50% coinsurance options. You can select $30 or $40 office visit copay or you can select None for office visit copay. Network deductible options available are between $1,000 to $10,000. Separate inpatient and outpatient facilities charges copay applies.

MedOne HSAvings offers health savings account with 100%, 80% or 50% coinsurance options, the network deductible amounts available range between $2,500 and $10,000. To determine your out-of-pocket maximum, add your deductible to your coinsurance portion. All eligible services are subject to deductible, then coinsurance to the out-of-pocket maximum, then 100%.

Agent's recommendations

• MedOne plus PPO plan benefits compare with BCBSTX Blue Choice III plan benefits.
  
  
• AMS offers competitive rates and has an extensive nationwide network due in part to it's affiliation with PacifiCare Health Systems. American Medical Security.

About American Medical Security

They have recently completed a merger with PacifiCare Health Systems, one of the largest insurance carrier companies in the country. Together, these two companies are working hard to provide hard-working Texans with a number of options. American Medical Security Life Insurance Company is rated A- (Excellent) by A.M. Best independent analysts of the insurance industry. AMS provides members and insurance agents with the benefits of being part of one of the nation's largest consumer health organizations. AMS offers individuals and families a variety of consumer-directed insurance products and health-related services. Both AMS and PacifiCare are committed to making members' lives healthier and more secure.

Low Cost Group Health Insurance for Small Businesses is offered through PacifiCare in Texas.