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AIM
Health Plans is America's choice for HIPAA compliant, guaranteed
issue health insurance coverage.
AIM Health Plans utilizes America's largest PPO
network (Multiplan), with over 500,000 providers, offers
impressive savings when network providers are used. Individuals,
families and groups should discuss with their insurance agent the
importance of HIPAA compliance regarding pre-existing conditions
and portability.
PLAN BENEFITS
PLAN HIGHLIGHTS
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Guaranteed Issue to Individuals & Small Groups |
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Guaranteed Renewable |
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Unlimited surgical benefits (100% of Medicare reimbursement
schedule) |
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No yearly or lifetime benefit cap |
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Portable |
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Assignable Benefits |
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Stable Rates |
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First Dollar Coverage (No Co-pays) |
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Available in Most states |
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HIPAA Compliant |
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Fully insured |
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No participation requirements for groups |
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Four Plans: Silver, Gold, Diamond, & Health Max Plus |
INPATIENT MEDICAL EXPENSE BENEFITS
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Daily Hospital Benefit*- Hospital benefit of $1,000
per day for up to 100 days per covered person, per calendar year.
Unlimited re-admission |
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Hospital Admission Benefit* - An extra benefit for the first
day of admission to the hospital ($2,000 per stay). |
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Surgical Benefit* - Plan provides scheduled benefits for surgery
per incident payable at 100% of Medicare reimbursement schedule
(No annual maximum). Benefits are paid on inpatient or outpatient
basis. |
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Anesthesia Benefit* - Plan provides a 25% benefit (This benefit
is calculated by multiplying the surgeons’ benefit times
25%) |
OUTPATIENT MEDICAL EXPENSE BENEFITS
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Office Visit* $100 paid per visit for up to 7 visits
per calendar year per covered person |
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Surgical & Anesthesia Benefit* Same as inpatient coverage |
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One (1) Preventative Test Paid at $150 per year per covered
person |
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Office Visits can be used for Chiropractic Visits |
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Prescription Discount* See A.I.M. Member RX |
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Plan Diagnostic Tests, X-Rays & Lab Testing* $400 paid
for up to 5 visits per person per calendar year for diagnostic
tests, X-rays and lab testing. Benefits paid on inpatient or
outpatient basis. |
OTHER BENEFITS
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Accident Benefits – see Optional Accident
Rider. |
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Critical Illness Benefits - The carrier will pay a one-time
benefit amount of $5,000 if the primary applicant (and covered
spouse) has been diagnosed with a critical illness*. |
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PPO Network Discounts - The plan offers PPO network (Multiplan)
repricing when network providers are used. Multiplan offers one
of the largest seamless national networks. Over 500,000 providers
in 50 states. Visit http://www.multiplan.com to locate a provider. |
*Benefit amounts are based on the Health Max Plus Plan.
Disclaimer IMPORTANT! Our medical plans are a low-cost alternative
(Limited Medical), providing medical insurance at fixed amounts,
and these limited benefits are paired with medical discounts to designated
providers.
The Limited Benefit Medical Plan offered thru AIM is a group insurance
benefit program. The group insurance benefits vary depending on the
plan selected. These benefits are provided under the group insurance
policy. underwritten by A.M Best Rated Insurance Companies and are
subject to the company's underwriting guidelines, exclusions, limitations,
terms and conditions of coverage as set forth in the insurance policy
and certificate, which includes a pre-existing limitation and other
restrictions. This insurance is not basic health insurance or major
medical coverage and is not designated as a substitute for basic
health insurance or major medical coverage. This is a limited medical
plan that provides for limitations to the coverage for each benefit.
The plan limitations are disclosed in the certificate of coverage
provided in the fulfillment kit which will be mailed to the applicant
by the effective date of coverage.
*RBRVS is the methodology used by the federal government to determine
benefits payable under Medicare.
This policy has a preexisting conditions limitation. Preexisting
conditions are not covered until the policy has been in effect
for more than 12 months.
A preexisting condition is any condition you have now or had within a 12
month period prior to the effective date of coverage for each
covered person.
The A.I.M. Health Solutions Plan is HIPAA compliant.
Persons who leave the plan will receive a HIPAA Certificate of Credible
Coverage. Those who enter the plan presenting a Certificate of Credible
Coverage will
receive credit toward this plan’s preexisting conditions limitation.
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