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US ‑ Health Benefits ‑ Man and woman running
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Health Benefits

Trusted for over 110 years to take care of the important things in life, let us take care of you.

Insurance solutions help to protect your financial stability and safeguard your loved ones.

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.
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Health Benefits
Ancillary

Health Benefits

Ancillary

Pan‑American Accident & Health specializes in customized employee benefit solutions that deliver desired coverage to the underinsured, underserved demographic.

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 minimum essential coverage plans or can be sold standalone.

Self‑Funded MEC

Pan‑American Accident & Health offers an assortment of self‑funded employer plans that provide preventative 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. The enhanced plan provides additional coverage with copays on services such as primary and specialty care, urgent care, labs, x‑rays and imaging.

Gap

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.

And More!

We also offer a Minimum Value Plan (MVP), Short‑Term Medical, Executive Medical Reimbursement, and High‑Deductible Buydown.

Fixed Indemnity Plan

Self‑Funded MEC

Gap

And More!

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 minimum essential coverage plans or can be sold standalone.

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Hurricane Notice
Due to the tragic impact that this season's hurricanes have had on so many, any policyholder affected by hurricane disasters who needs additional time to make a premium payment or comply with a policy deadline is encouraged to contact us so we can make reasonable accommodations to assist you.
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