AIM Health Plans pay benefits on an indemnity basis.

1. Client goes to in-network or non-network provider. Insurance company pays the client or doctor directly the full benefit amount for any insurance benefit for which the client is covered. As an example: the Health Max Plus client will receive the full $100 per office visit even if the office visit was only $90. In the event that client assigns benefits to the doctor, the doctor will receive $90 and the client will receive the extra $10 which will be sent to the client's home address. This claims procedure is true for the hospital benefit, lab, diagnostic testing, X-ray, preventive tests, surgery, etc. This is the definition of an insurer paying benefits on an indemnity basis

2. We will pay benefits to the client or doctor after being sent a completed claim form. Our claims address and phone number will be on your AIM Health Plans ID card. By law claims must be paid within 45 days and our claims processor customarily pays claims within 30 days.

3. In event the cost or the treatment is greater than AIM Health Plan's reimbursement amount such as a first visit to a high quality specialist. This visit will probably be greater than $100. It is in the client's best interest to visit a MultiPlan doctor and we'll assume that benefits are assigned to the doctor. Let's say the MultiPlan re-pricing for the first visit to the specialist is $150. AIM Health Plan will pay the doctor $100 and the client gets billed by the doctor's office (usually after the visit takes place and this is called a balance bill). The insured will mail the $50 difference to the doctor's office. This is true for hospital benefits, lab, diagnostic testing, X-ray, preventive tests, surgery, etc.