Our customizable fixed indemnity plan is designed to help cover the cost of employees’ everyday medical needs at economical rates. Providing an affordable means to attract and retain employees, this guarantee‑issue plan provides meaningful first dollar benefits with no deductibles or co‑pays. Added plan benefits include medical accident coverage, prescription benefits, telemedicine, added PPO network, member advocacy, term life with accidental death & dismemberment coverage and global repatriation. This product can be packaged with our various self‑funded minimum essential coverage plans or can be sold standalone.

Pan‑American Accident & Health offers an assortment of self‑funded employer plans that provide preventative care benefits paid at 100% for in‑network services, with claims administration performed by Pan‑American Life Insurance Company. Our Affordable Care Act (ACA) compliant plan avoids Section 4980H(a) employer tax penalty for failure to offer “minimum essential coverage.” The plan is commonly packaged with our fixed indemnity plan to provide broader access to healthcare for the covered members or can be sold on its own. The enhanced plan provides additional coverage with copays on services such as primary and specialty care, urgent care, labs, x‑rays and imaging.

Our premier gap product is designed to help offset the out‑of‑pocket expenses that may be incurred under a high deductible major medical plan. Gap insurance can “bridge the gap” by reducing the insured’s overall out‑of‑pocket costs while lowering the client’s benefit expenses.

For over two decades, Pan‑American Accident & Health has assisted government contractors and their brokers to leverage their health and welfare benefit dollars, providing compliant, value‑rich bona fide healthcare plans that minimize payroll taxes. We work closely with employers and brokers to create “hourly funded” health and welfare plans that provide the greatest value to each workforce, developing tailored plans that live within the fringe allowance and are compliant with the Service Contract Act and/or the Davis Bacon Act.

We also offer a Minimum Value Plan (MVP), Short‑Term Medical, Executive Medical Reimbursement, and High‑Deductible Buydown.