AIM Health Plans – Offering Affordable Health Care
AIM is one of the biggest issuers of Guaranteed Issue Limited Benefit health plans in the country today. A Guaranteed Issue Limited Benefit plan is an alternative for those who have no access to, or cannot afford a major medical plan. They are also an affordable answer for those with pre existing condition that make it almost impossible for them to qualify for a major medical plan.
What Plans are Available through AIM?
Aim offers four different standard limited benefit plans. All of them are guaranteed issue and they are all HIPAA compliant, as they are considered Qualified Credible Coverage. The AIM health plans use the MultiPlan PPO network which means the number of providers available to policy holders is huge. Using a network physician or hospital will represent a large savings for the insured, and if desired it is still possible to go outside the network.
The four plans offer much the same coverage in the services that are paid for, the difference being that those plans that have a higher premium pay higher for certain services such as routine doctor’s office visits. For example, the Silver Plan will pay $50 for each doctor visit, while the higher priced Health Max Plan will pay $100 per visit. Since all HMO plans require patients pay a co pay for each service they receive, and those co pays are rising all the time, those insured under the lowest priced AIM Silver Plan should still end up paying only as much out of pocket as an HMO client.
How do You Choose between the Plans?
Which limited benefit plan a patient chooses will depend upon how much they are likely to use it in the course of the year. For healthy people who usually only visit the doctor for routine wellness checkups, it may make little sense to pay a higher premium for extra doctor’s office coverage that they will probably never use. For those who make more frequent use of medical services, a plan such as the AIM Health Max Plan is far better suited for their needs. Examining and comparing all the health plans available with a licensed insurance broker can be very helpful when making the choice.
Other Plans and Services offered by AIM
AIM also offers several other stand alone products to consumers including accident and critical illness plans, as well as an RX plan that offers considerable savings on prescription drugs without annual limits.
