AIM Health Plans - HIPAA compliant guaranteed issue health insurance for all 50 states

Welcome to AIM Health Plans

AIM Health Plans is America's choice for HIPAA compliant, guaranteed issue health insurance coverage.

Individuals, families and groups should discuss with the insurance agent the importance of HIPAA compliance regarding pre-existing conditions and portability. AIM Health Plans utilizes America's largest PPO network (Multiplan), over 500,000 providers, and offers impressive savings when network providers are used.

Three levels of coverage are available:

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AIM Solutions Brochure (pdf)

Optional Rx Card Prescription Insurance Rider

Optional Xtra Hospital and $25,000 Critical Illness Rider

Plan Benefits and Highlights
*Benefit amounts described below are based on the Diamond Plan.

PLAN BENEFITS

•	Doctor & chiropractic visits
•	Daily hospital confinement
•	Surgical benefits (inpatient or outpatient)
•	Diagnostic, X-ray & lab benefit (DXL)
•	Wellness care
•	Accident benefits
•	Critical illness benefit
•	Maternity coverage
•	Aetna dental discount PPO
•	PPO network repricing for hospital, doctor & outpatient services http://www.multiplan.com
•	Prescription discount card

PLAN HIGHLIGHTS

•	Guaranteed issue to individuals & groups
•	Guaranteed renewable
•	Portable
•	Assignable benefits
•	Stable rates
•	First dollar coverage (No co-pays)
•	50 state availability
•	HIPAA compliant health insurance
•	No participation requirements for groups
•	Three Plans: Silver, Gold, & Diamond

INPATIENT MEDICAL EXPENSE BENEFITS

•	Daily Hospital Benefit* - Hospital benefit of $1,000 per day for up to 100 days per covered person, per calendar year. Unlimited re-admission.
•	ICU/CCU Hospital Benefit* - Pays $1,000 per day (max of 5 days).
•	Surgical Benefit* - Plan provides scheduled benefits for surgery per incident payable at the Medicare reimbursement schedule (no annual maximum). Benefits are paid for inpatient or outpatient surgeries.
•	Anesthesia Benefit* - Plan provides a 20% benefit (calculated by multiplying the surgeons’ benefit times 20%).

OUTPATIENT MEDICAL EXPENSE BENEFITS

•	Office Visit* $75 paid per visit for up to 5 visits per calendar year, per covered person.
•	Surgical & Anesthesia Benefit* same as inpatient coverage.
•	One (1) preventative test paid at $150 per year, per covered person.
•	Office visits can be used for chiropractic visits.
•	Prescription discount* See AIM member Rx.
•	Plan Diagnostic Tests, X-rays & Lab Testing* $150 paid for up to 3 visits per person per calendar year for diagnostic tests, X-rays and lab testing. Benefits paid on inpatient or outpatient basis.

OTHER BENEFITS

•	Accident Benefit - Up to $5,000 paid per accident, subject to $100 deductible & 80% coinsurance per accident. One accident per covered person, per year.
•	Critical Illness Benefit - The carrier will pay a one-time benefit amount of $2,500 if the primary applicant has been diagnosed with a critical illness (for primary applicant only)*.
•	PPO Network Discounts - The plan offers PPO network (Multiplan) repricing when network providers are used. Multiplan offers one of the largest seamless national networks. Over 500,000 providers in 50 states. Visit http://www.multiplan.com to locate a provider.

Preexisting conditions are not covered until the policy has been in effect for more than 12 months. A preexisting condition is any condition you have now or had within a 12 month period prior to the effective date of coverage for each covered person. Those who enter the plan presenting a HIPAA Certificate of Credible Coverage will receive credit towards the plan’s preexisting conditions limitation.

The AIM Health Solutions Plan is HIPAA compliant.
Persons who leave the plan will receive a HIPAA Certificate of Credible Coverage.

MedTest Savings From Multiplan:

The premier pre-paid (pay when ordering) medical testing program in America. Diagnostic, X-ray and lab tests cost much less due to providers receiving immediate payment. No age limits, no waiting periods, no limits on frequency of use, no deductibles, no coinsurance or co-pays. Savings up to 70% off retail or usual and customary pricing.

Dental Discount Plan:

Members will save 15-50% on dental services with the Aetna network of 66,000 providers. Savings on cleanings, X-rays and fillings as well as crowns, root canals, dentures, oral surgery, orthodontics, periodontal and cosmetic dentistry. Available in all 50 states. www.locateproviders.com

Vision Discount Plan:

AIM Health Plans utilizes a vision benefits company that has over 14,500 qualified eye care providers in 50 states. Members savings of 25-50% on routine vision analysis, clear lenses, frames, lasik surgery, contact lenses and lenticular lenses. www.locateproviders.com

Alternative Medicine: Over 9,000 providers saves members 15- 50%. www.thcnetwork.com
•	Acupressure, Acupuncture
•	Oriental Medicine, Oriental Bodywork, Naturopathic Medicine

Prescription Discounts at the Local Pharmacy:

Nearly all of America's largest retail pharmacies are participating in the AIM Rx Card. As of January, 2008 over 38,000 pharmacy locations welcome the AIM Rx Card. This card provides savings of 10-50% for brand-name and generic prescriptions. www.aimrxcard.com

Over-The-Counter Savings
•	Substantial savings on over-the-counter non-prescription medications.
•	Online purchasing is an option.
•	Free delivery within 24 hours.
•	A fully licensed pharmacy will provide quality products at a discounted rate.
•	Quality and authenticity is assured by AIM Health Plans for our members.

Prescription Mail Order (U.S.)
•	Among the lowest prices in the country for pharmacy products!
•	Patient safety is not compromised. Every precaution is taken.
•	Free delivery within 24 hours.
•	Mail order savings program provides the option of obtaining a 30, 60 or 90-day supply of medication.
•	Safe and reliable delivery of medication at no extra cost.
•	Speak with a pharmacist about your order using our toll-free number.

Diabetic Supplies - up to 30% Discount
•	Discount diabetes testing supplies & educational material.
•	Low cost glucose meters. Meter training by our caring, friendly client service staff.
•	Lancets & lancing devices.
•	Diabetic medications and diabetes education & support.
•	Convenient home delivery of supplies.
•	Knowledgeable team with a registered dietician on staff.

Durable Medical Equipment
•	Savings between 20-40% off retail.
•	Added convenience of shopping directly from your home.
•	Free home delivery of medical equipment.
•	Low-cost and hassle-free online shopping.
•	Toll-free telephone support.

Hearing Program
•	Savings up to 60% on hearing aid batteries, repairs and hearing care accessories.
•	The lowest prices on all major brands of hearing aids.
•	A network of over 1,500 hearing care professionals across America.
•	45-day trial period to evaluate the new hearing aid(s)! 40 free hearing aid batteries and one year of free cleanings after the trial period.

Care giving assistance such as assistance programs, information and referral services, access to nationwide Long Term Care (LTC) provider networks, professional services, a nurse navigator program, wellness assessments, emergency travel assistance, and support services. All of these programs offer significant savings to our members.

The Association for Independent Managers (AIM), is a not for profit organization, incorporated in 1979 in Florida. AIM's national headquarters are in St. Petersburg, Florida. AIM Health Plans is administered by Insurance Resource Group: 20 Madison Avenue. Valhalla, New York 10595.