Health Benefits

Pan-American Accident & Health specializes in developing innovative, affordable, and meaningful employee benefit solutions that fit the needs of most industries.  

We provide meaningful and access-based benefits for employer-paid and voluntary plans in the United States. Our products and services offer solutions in response to the pressures of rising insurance costs in a competitive marketplace. We are driven to provide group benefits that are affordable and easy to understand in order to make healthcare work. We pride ourselves in providing personal customer service at a level that exceeds industry benchmarks. 

Pan-American Accident & Health’s flexibility allows us to deliver business solutions for our distribution partners and their clients to ensure long-term mutual success. We stand committed to providing innovative product solutions and processes to satisfy a wide variety of partners in an ever-changing marketplace. To find your sales rep, click here.

Core products include: 

Fixed Indemnity Plan 
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 MEC plans or can be sold standalone.  

Self-Funded MEC 
Pan-American Accident & Health offers an assortment of self-funded employer plans that provide preventive 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. 

Self-Funded Enhanced MEC 
In addition to the advantages of the self-funded MEC, the enhanced plan provides additional coverage with copays on services such as primary and specialty care, urgent care, labs, x-rays and imaging.  

Minimum Value Plan (MVP) 
The MVP plan helps employers avoid ACA tax penalties 4980H(a) and (b) while also satisfying the individual mandate, where applicable. The plan meets the 60% actuarial value requirements (i.e. high deductible). Unpredictable claims expenses can be abated through specific and aggregate stop loss insurance and a monthly aggregate accommodation. 

Gap Supplemental Medical Expense Insurance 
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. 

Short-Term Medical 
Short-term medical is an affordable solution for those looking for health coverage during a transitional period of their lives for a limited duration of time. 

Executive Medical Reimbursement 
Executive medical reimbursement is a fully insured, supplemental, group medical expense reimbursement policy. It allows employers to reimburse their key employee for medical expenses not otherwise covered by their base health insurance plan. 

High-Deductible Buy Down 
The high-deductible buy down is a custom plan for self-funded employers that impacts the root cause of disease and high medical costs. 

Ancillary Products 
In addition, we offer a broad portfolio of supplemental coverages that meet the needs of specific employer groups. 

Interested in Learning More?

Let us know and we’ll put you in contact with our team!