Ancillary Benefits

To complement our plans we offer a variety of ancillary benefits that enhance our products and make them more convenient for our members. Pan-American offers a solid foundation with services such as dental and vision, prescription drugs and more. These value-added benefits help in offering peace of mind and security.

National PPO Network

Members may benefit from discounted provider prices through access to our networks of Preferred Providers. We have partnered with the largest proprietary PPO networks in the country, with nearly 695,000 physicians, 4,600 hospitals and more than 95,000 ancillary care facilities throughout the United States.

Their accreditations are tangible evidence of the quality and consistency of the services they offer to our customers, providers and the 16 million members who use the PPO Network. As external review becomes a more critical element in the PPO evaluation process, you can be confident that when you choose one of our networks, you are choosing a recognized leader that meets the highest national standards.

Example of Savings When Using the PPO Networks

Practitioners 550.000 42.7%
Acute Facilities - Inpatient 4.100 36.4%
Acute Facilities - Outpatient 4.100 26.1%
Ancillary Facilities 67.000 45.8%

*The above illustration is presented as an example of average discounts based on all claims processed in a 12 month period through the end of prior month. Effective discounts will vary from state to state.

Prescription Drug

The increasing cost of prescription drugs, combined with a lack of coverage, is leaving many people without the prescription medications they need. Spending on prescription drugs continues to be an important health care concern, particularly in light of rising pharmaceutical costs, our aging population, and increased use of costly specialty drugs.

As part of our plan, we provide members fully insured and discount only options. Our networks consist of over 62,000 national, regional and local chains and independent pharmacies. The Rx Plan also offers fully integrated mail order services that provide members the convenience of home delivery. The network currently manages over 2 million members located in all 50 states.

Using Your Prescription Drug Beneļ¬ts Is Easy

Select a convenient pharmacy near you and verify that the pharmacy is in our network. Present your ID card, pay the appropriate amount and you’re done. For your convenience, we provide you a web portal so you can look up the cost of your prescriptions in advance and compare pharmacies. This saves you time and money.

Nationwide Pharmacy Network and Mail Order Services

Over 2,200 preferred brand drugs included on formulary listing. Mail order is available for 90 day supply.

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TeleHealth provides members with the ability to connect with doctors for 24/7 medical consultations. Members can call or email U.S.-based licensed and board-certified physicians to obtain quick and convenient medical information, advice, diagnosis, and prescriptions for common conditions when appropriate.

Ideal to use...

  • When you don’t have the time to go the doctor’s office
  • When your primary care physician is not available
  • After normal hours of operation
  • For non-emergent medical care
  • When on vacation or out of town


  • Physicians available any time, 24/7/365
  • Convenience of obtaining medical care at work, home, or on-the-go
  • Quality care from physicians who can provide consultation, diagnose, recommend treatment and write short term prescriptions when appropriate
  • Speak to a physician in most cases less than 30 minutes, but within 3 hours guaranteed
  • Physician reviews and updates on-line health record when performing a medical consultation
  • Secure, personal and portable electronic health records
Term Life

Business owners have the option of purchasing group life insurance plans for their employees and their families. Pan-American Life's group life insurance policies provide coverage for individuals through their place of employment, with premiums paid by the employer through payroll deduction.

Benefits May Be Used For:

  • Final expenses incurred for funeral and burial
  • Paying off a mortgage or any other outstanding personal or business debts
  • Replacement of income for family to maintain their standard of living
  • Paying for children’s education

Product Highlights:

  • Accelerated Death Benefit
  • Member can collect up to 50% of the death benefit (to a maximum of ,000) if diagnosed with a terminal illness.

Portable Coverage:

  • If a member should leave the company for any reason, coverage can continue by the member simply paying the premium. Coverage continues while the group policy is in effect and the premiums are paid.

Conversion Provisions:

  • Conversion policies are available for member life coverage.

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Discount Vision

Members save 10% to 60% off provider retail prices on eyeglasses, contacts, eye exams and surgical procedures from more than 12,000 locations nationwide.


  • Discount Vision Plan
  • No health restrictions, can be used immediately
  • No limits on frequency of use
  • No paperwork
  • 30 day money-back guarantee on eyewear
  • Low price guarantee on eyeglasses
  • Discounts on LASIK surgery included

Coast to Coast Vision™ network is the most comprehensive in the United States and includes ophthalmologists, optometrists, independent optical centers and national chain locations such as: Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, LensCrafters, EyeMasters and QualSight LASIK.
Vision Provider services are not insurance and are provided by New Benefits, Ltd.

Pan-American Life and New Benefits, Ltd. are not affiliated.

The discount vision plan contains a 30 day cancellation period.

Not available in KS, UT, VT, and WA. For a full list of disclosures, visit www.dmpodisclosures.com.

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© 2017 Pan-American Life Insurance Group. All Rights Reserved.

© 2017 Pan-American Life Insurance Group. All Rights Reserved.