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 |
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HOSPITAL FIXED BENEFITS |
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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
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REHABILITATION FACILITY /
& SKILLED NURSING FACILITY $750- $2,250
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OUT PATIENT RADIATION
& OR CHEMOTHERAPY $750 – $2,250
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OUT PATIENT HOSPITAL OR
& AMBULATORY SURGICAL CENTER $1,500 – $4.500
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PROFESSIONAL SERVICES |
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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
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DAILY ASSISTANT SURGEON
& SURGICAL SERVICES FIXED BENEFIT FOR COVERED SERVICES $100 – $300*
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DAILY ANESTHESIA FIXED
BENFIT FOR COVERED SERVICES $125- $375*
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*Arkansas, Georgia & North Carolina
OUT PATIENT BENEFITS |
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CALENDAR YEAR OUTPATIENT
DEDUCTIBLE $50 per insured
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AGGREGATE CALENDAR YEAR
MAXIMUM $2,000 – $6,000
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DAILY OUTPATIENT PHYSICIANS $40
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OTHER OUTPATIENT DAILY FIXED BENEFIT (PER DAY)
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DAILY GENERIC PRESCRIPTION
FIXED BENEFIT $5 – $15
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DAILY BRAND NAME
& PRESCRIPTION FIXED BENEFIT $10 – $30
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EMERGENCY ROOM BENEFIT
$100 – $400
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URGENT CARE CENTER BENEFIT
$100
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PREVENTATIVE CARE BENEFIT
$125 per calendar year
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DAILY EMERGENCY AMBULANCE
& FIXED BENEFIT $500 ground / $1,500 air
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ANNUAL MAXIMUM BENEFIT |
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MAXIMUM COVERED BENEFITS
PER COVERED PERSON PER CALENDAR YEAR $100,000 – $1,000,000 Annual Maximum per insured
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