Limited Medical Plan by USNow
 AccessMD, a Limited Medical Benefit Plan, is a popular option for companies of all sizes who cannot afford to offer health coverage or who have uninsured employees who do not qualify for the company plan. AccessMD provides coverage for common healthcare expenses. Employers can select benefit options to meet their unique needs and premium requirements. Why Consider AccessMD In today's economy, companies are having to make tough decisions - pay soaring insurance premiums, pass the high costs to employees, drop medical coverage altogether, or eliminate coverage for the hourly wage and part-time workers. However a company that does not offer healthcare coverage suddenly becomes less attractive to current and future employees, thereby increasing turnover rates significantly. Employers can minimize the high cost of turnover by offering a limited medical plan. These plans pay a fixed benefit amount for common medical services – doctor visits, diagnostic tests & x-rays, hospitalization, accidents, emergency room, surgery, anesthesia, intensive care, wellness services, and prescription drugs to name a few. Premiums are reasonable to both employers and employees, ranging from $50 - $250. Although limited medical plans do not cover catastrophic events, such as terminal illness, they do provide a healthcare alternative that is functional and affordable. Current industries offering AccessMD - construction, manufacturing, transportation, security guard firms, hotels/motels, convenience stores, skilled nursing facilites, restaurants and staffing. The markets are endless!
What Sets Our Plans Apart USNow was instrumental in the innovation and development of the first Limited Medical Benefit Plan and we continue to be the recognized leader in 46 states. As limited medical plans, or sometimes referred to as "mini-med, hospital indemnity, gap, supplemental or defined benefit plans", have grown to become a viable solution for employers and employees alike, many have tried to reproduce and/or duplicate the USNow model. We are proud to say, none have succeeded. USNow AccessMD provides more benefits and services than most carriers. Our entire organization is dedicated to go above and beyond for our customers and nothing less will be accepted. Highlights - No pre-existing exclusion limitations, except pregnancy in some states
- Benefits are Guaranteed Issue - no medical questions, no underwriting or evidence of insurability during open enrollment
- First dollar coverage – no deductibles, no co-pays or co-insurance
- Access to a National PPO Network, resulting in discounted expenses to the insured
- Underwritten by Pan-American Life Insurance Company, rated A- (Excellent) by A.M. Best
- Cobra eligible
- HIPAA compliant
- Full bilingual services
Employer Advantage - Easy to understand, use and administer
- Premium can be employer or employee paid or a combination of both
- Minimum participation requirements
- Employee benefits are made simple through payroll deductions
- Affordable and multiple plan choices
- Advocacy specialists who work on the member's behalf
- Plans can be placed under Section 125
- Enrollment capabilities (phone, web and on-site)
- Customized marketing materials
- National company with a local touch since 1995
A SOLUTION TO HELP EMPLOYERS ATTRACT AND MAINTAIN A TALENTED WORKFORCE
Limited Medical Benefit Plan Answers Q: Is this Major Medical coverage?
A: No. This is not major medical coverage and is not designed as a substitute for basic health insurance coverage. However, benefits are provided in addition to any other insurance program and benefits can be assigned. Q: Which doctors and hospitals may I use?
A: You are free to use any licensed doctor or any certified hospital. However selecting a provider from our National PPO Network, allows members to save on their medical expenses. There are no penalties for going out of network. To locate a provider, call Member Services at 1-800-694-9888 ext. 273.
Q: Does the USNow AccessMD plan cover maternity?
A: Yes. There are no exclusions for pre-existing conditions, except pregnancy in some states.
Q: Can the insured purchase AccessMD just for his dependents?
A: No, the insured must be the primary insured.
Q: Are Medicare recipients eligible for AccessMD?
A: Yes, however, Medicare regards AccessMD as Primary Coverage and may reduce or discontinue your Medicare coverage.
Q: Can AccessMD be used, if the insured has separate health insurance?
A: Yes, the specified benefits pay in addition to any other private group coverage. There is no coordination of benefits.
Q: If I currently have an illness, will it be considered a pre-existing condition?
A: No. There are no exclusions for pre-existing conditions. No one will be turned down.
Q: Am I allowed to assign my benefits to my healthcare provider?
A: Yes, benefits are automatically assigned to your healthcare provider. If you would like to receive the benefit payment directly, complete the medical claim form and sign the Authorization of Payment section.
Q: Is employer contribution required?
A: No. However employers who contribute 50% or more towards the premium receive discounted rates. Plus employee participation dramatically increases when the employer pays a portion of the premium.
Contact us today!Call us at 1-800-694-9888 for more information. | 
