American Medical Security

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American Medical Security

American Medical Security Life Insurance Company (www.eams.com) is a fully owned subsidiary of PacifiCare Health Systems, LLC that offers adaptable, competitive health insurance policies for individuals, families, and small businesses. Independent analysts A.M. Best rated this company A- (Excellent) in 2004 basing their rating on financial and operating performance. The company believes that Americans prefer having choices in matters of health insurance and accordingly designs products that give customers the choices they are looking for. AMS offers medical and dental insurance plans for individuals and families that are flexible and cost effective; group medical plans allowing each employee to choose the plans that best meet his or her requirements; group dental insurance that can be bought with or without a medical plan and group term life and accidental death and dismemberment insurance and group short-term disability that can round out an employee benefit plan.

Products of AMS include health insurance for groups, individuals, and families. For individuals, the company’s MedOne® insurance plans provide the simplicity, flexibility, and cost-effectiveness that most individuals and their families search for. As the company lays stress on individual insurance plan designs that are simple, flexible, and cost-effective, so it has come up with MedOne Plus and MedOne Security. MedOne Plus® is flexible with you being allowed to choose benefits that will create the right combination for your needs. You can also choose the co-payment and deductible levels according to your choice or select a policy without co-payment. MedOne Security suits those looking for lower premiums. Over and above providing the same benefits as MedOne Plus, the plan offers the most popular deductibles of MedOne Plus, coinsurance options, and facility co-pay; the same Value-Added Services that all AMS customers receive and higher deductibles that make lower premiums possible.

AMS group medical plans have several choices built into them that enable your agent to work with you in developing a benefit program that perfectly fit your company's needs.
These group plans also allow each employee to select the policy that best suits his/her needs and budget. The company’s Self Directed Health Plan (SDHP) combines consumer-directed health care with more traditional health insurance. It can be divided into two components: a self directed account (SDA) and a PPO health insurance plan. The SDA gives each insured person a yearly allocation to pay for routine and preventive care and general office services.

AMS also offers dental plans such as GroupDentalChoice® and MedOne Dental®. Group DentalChoice® allows you to choose from two dental insurance plan designs (groups of 10 or more enrolled employees). It also allows you to visit any dentist with no waiting period for preventive and basic dental benefits. Although benefits depend on the design of the plans, voluntary or employer-sponsored plans are available at the same premium. Vision insurance benefits are available with this plan for an additional cost (except in Texas). With MedOne Dental®, available with MedOne Medical Insurance, you can visit any dentist with no waiting period for preventive dental benefits. The plan also covers major services such as crowns, dentures, and root canals etc.

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