How the Plans Work
Affordable Health Insurance that Works for You!
AccessHealthUSA.com specializes in affordable health insurance options for millions of Americans who cannot afford high monthly payments or do not qualify for traditional major medical health insurance plans due to their health issues. Prices start as low as only $5.99 per day and are from well known Insurance carriers such as Assurant Health, United Health care, Aetna, US Life, and many more.
Health Insurance Coverage’s
Licensed Agents are Avaliable Now!
1. Major Medical Insurance Plan: “The Most Complete Coverage you can buy.”
Benefits:
• Nationwide Coverage
• Fixed Dr Co-pays
• Lifetime Coverage’s up to 8 Million dollars.
• Prescription Drug Coverage
• Child Immunizations
• Maternity Coverage Option
• No Contracts
• Catastrophic Coverage
• Choice of Deductibles
Requirements:
• Average Body Weight for your Height
Who cannot Qualify for a Major Medical Plan?
• Combinations of High Cholesterol, High Blood Pressure, Thyroid and Asthma (*However subject to individual basis; ask our agents to see if you can qualify)
• Women who are Currently Pregnant
• Recent History of Cancer, heart attack or other major illness
• People convicted with DUI or substance abuse
• Mental health issues
**Not all cases are the same. Although you may have or have had these conditions its on a case by case. Ask our knowledgeable licensed insurance agents to see if we can find a major medical health insurance plan that you can qualify for. **
2. Limited Medical Plans: “Indemnity Based Coverage; Alternative to Major Medical Plans”
Benefits:
• Hospital stays
• Surgeries (Fixed or on Medicare Allowable Schedule)
• ICU
• Critical care benefits
• Labs and x-rays
• Diagnostic testing
• Preventive tests
• Accidents
• Accidental Death and Dismemberment
• Association Benefits
• No Contracts
• NO Deductibles
Requirements:
• Must become an association member to receive benefits
Who cannot Qualify:
Everyone qualifies for these plans.
**These Plans are Limited Medical Benefit Plans. Uniquely designed as alternatives to high-priced major medical plans, they provide first-dollar coverage for the essential healthcare people need without big deductibles. Limited Medical Plans are not intended to replace major medical coverage or catastrophic plans. Plans typically make payments to you or the provider. Also, these plans have limitations and exclusions. Most plans have a 12-month waiting period for pre-existing conditions on certain services and benefits. Please ask our Agents to explain this or to go over the limitations and exclusions that may apply to you. **
Supplemental Forms of coverage:
1. Critical Illness Plans: “ Protect your Life Style and even use to Subsidize medical bills or Deductibles.”
Benefits: (This policy can provide Funds for....
• House payment or Rent
• Co-pays and Deductibles
• Car or truck payments
• Credit Card Payments
• Lost Income of Self or Spouse
• Keep your Business Going
• Expenses associated with training for a new profession
• Maintaining your family’s quality of life
• Groceries and Utilities
Requirements:
Who can Qualify:
• Some policies Guaranteed you to be accepted
** These policies are intended to supplement your current health insurance coverage. Ask our agents to calculate how much coverage you need and which type of policy best suits your needs and budget. **
2. Accident Plans: “Get paid in case of an Accident”
Benefits:
• House payment or Rent
• Co-pays and Deductibles
• Car or truck payments
• Credit Card Payments
• Lost Income of Self or Spouse
• Keep your Business Going
• Expenses associated with training for a new profession
• Maintaining your family’s quality of life
• Groceries and Utilities
Requirements:
Who can Qualify
• Some policies Guaranteed you to be accepted
** These policies are intended to supplement your current health insurance coverage. Ask our agents to calculate how much coverage you need and which type of policy best suits your needs and budget. **
3. Life Insurance: “Helps your Spouse or Children Financially when your Gone.”
Benefits:
• Helps your kids continue their college dreams
• Eliminate debts to your family when your Gone
• Pay for funeral cost
• Contribute to a cause that you believe in when your Gone
• Keep your business Going
• Replace your income to your loved ones
Requirements:
• Limited Amounts Available to people with medical conditions.
** Ask our agents to help you determine what amount of coverage you need and what policy you qualify for. **
Facts to consider:
Fact: #1: 40 percent of consumers (70 percent of the uninsured) are already forgoing care when they are sick or injured, according to the Deloitte 2009 Survey of Health Care Consumers.
Fact #2: This year, an estimated 1.5 million Americans will declare bankruptcy. Many people may chalk up that misfortune to overspending or a lavish lifestyle, but a new study suggests that more than 60 percent of people who go bankrupt are actually capsized by medical bills.
Fact #3: “Unless you’re a Warren Buffett or Bill Gates, you’re one illness away from financial ruin in this country,” says lead author Steffie Woolhandler, M.D., of the Harvard Medical School, in Cambridge, Mass.
Fact #4: Bankruptcies due to medical bills increased by nearly 50 percent in a six-year period, from 46 percent in 2001 to 62 percent in 2007, and most of those who filed for bankruptcy were middle-class, well-educated homeowners, according to a report that will be published in the August issue of The American Journal of Medicine.
Fact #5: Cost is the reason the uninsured lack coverage. Forty-five percent of the uninsured say it is too expensive to purchase health care coverage.
Fact #6: Four in 10 say they would like to customize their health insurance product by selecting benefits and features from a menu, knowing the cost would reflect what they choose; the desire to customize is higher among the uninsured.
Customizable features that consumers consider most important include prescription drug coverage, waiver of referrals to healthcare specialists and pre-authorization and wide provider network.
We Can Help:
If you are responsible for your providing your own health insurance, are paying way too much for health insurance or do not have health insurance; then we can help. Don’t be a statistic and don’t wait until it is too late. Call us NOW for a hassle free quote and expiation of plans available.
Access Health Insurance, Inc.
16723 SW 117th Ave
Miami, FL 33177
Toll Free: 1-866-971-6932
