Pan-American HD Supplement

HD-Supplement is a benefit package designed to reduce out-of-pocket expenses from high deductible major medical plans, whether self-funded or fully insured. The plan combines Accident Medical Expense, Specified Illness, and our Limited Benefit Indemnity Plan to help cover those initial common medical services, before your employees meet their deductibles. The plan also includes 24/7 Telehealth Services, Compass Professional Services, and Global Repatriation that add a lot of value and peace of mind to your employees and their families.

Highlights
Affordable plan design
First dollar coverage – no deductibles, no co-pays or coinsurance
Benefits are Guaranteed Issue for eligible participants during open enrollment
No network or preferred provider restrictions
HSA compatible benefits
Issuedby Pan-American Life Insurance Company, rated “A” (Excellent) by A.M. Best, and “A” (Strong) by Fitch  Ratings
Full bilingual (English-Spanish) services

Employer Advantage
Proven tool for promoting employee retention and recruiting
Employee benefits are made simple through payroll deductions
Multiple plan choices
Advocacy support for members
Plans can be placed under Section 125/Cafeteria Plan
Enrollment capabilities (phone, web and on-site)