FIXED BENEFIT PLAN

Americas Health Options provides a Fixed Benefit plan and not a major medical insurance plan. Fixed Benefits are provided for hospital confinement, specified medical, surgical, and out-patient events. These benefits are paid in specific amounts and do not provide expense reimbursement for charges based on your health care provider’s bill.

FEATURES
  • $5,000,000 Lifetime maximum
  • Choose from three benefit options:-
    • Pick your Base Plan Deductible
    • Calendar year benefit maximum level
    • Number of benefit Units to fit your needs
  • Use any Doctor or Hospital you choose or select PPO option to take advantage of greater savings
HOSPITAL FIXED BENEFITS
HOSPITAL CONFINEMENT
Sickness: $1,500 – $4,500
Injury: $3,000 – $6,000
HOSPITAL ICU
Sickness: $2,250 – $6,750
Injury: $3,000 – $6,750
MENTAL ILLNESS, ALCOHOL
& / OR SUBSTANCE ABUSE
$200 – $600
REHABILITATION FACILITY /
& SKILLED NURSING FACILITY
$750- $2,250
OUT PATIENT RADIATION
& OR CHEMOTHERAPY
$750 – $2,250
OUT PATIENT HOSPITAL OR
& AMBULATORY SURGICAL CENTER
$1,500 – $4.500
PROFESSIONAL SERVICES
SURGICAL BENEFITS
1, 2 or 3 X policy fee schedule
depending on the plan you choose
IN-PATIENT PATHOLOGIST /
RADIOLOGIST
1, 2 or 3 X policy fee schedule
depending on the plan you choose
PHYSICIANS CARE FIXED
BENEFIT NON-SURGICAL
$50 – $150
DAILY ASSISTANT SURGEON
& SURGICAL SERVICES FIXED
BENEFIT FOR COVERED SERVICES
$100 – $300*
DAILY ANESTHESIA FIXED
BENFIT FOR COVERED SERVICES
$125- $375*

*Arkansas, Georgia & North Carolina

OUT PATIENT BENEFITS
CALENDAR YEAR OUTPATIENT
DEDUCTIBLE
$50 per insured
AGGREGATE CALENDAR YEAR
MAXIMUM
$2,000 – $6,000

DAILY OUTPATIENT PHYSICIANS
FIXED BENEFIT

$40

OTHER OUTPATIENT DAILY FIXED BENEFIT (PER DAY)

  • MRI, CAT Scan or Nuclear Testing $175 – $525
  • Other Diagnostics Testing / X-rays $40 – $120
  • Laboratory Testing $10 – $30
  • Injection$5 – $15
DAILY GENERIC PRESCRIPTION
FIXED BENEFIT
$5 – $15
DAILY BRAND NAME
& PRESCRIPTION FIXED BENEFIT
$10 – $30
EMERGENCY ROOM BENEFIT
$100 – $400
URGENT CARE CENTER BENEFIT
$100
PREVENTATIVE CARE BENEFIT
$125 per calendar year
DAILY EMERGENCY AMBULANCE
& FIXED BENEFIT
$500 ground / $1,500 air
ANNUAL MAXIMUM BENEFIT
MAXIMUM COVERED BENEFITS
PER COVERED PERSON PER
CALENDAR YEAR
$100,000 – $1,000,000 Annual Maximum per insured

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