Pan American Life Insurance

Medical

Since 1911, Pan-American Life has delivered innovative and affordable benefits to thousands of individuals ,families, and businesses throughout the Americas.  Over the past 20+ years we’ve evolved into a niche/specialty carrier, we by intention are not your traditional insurance company, our Easy Issue Innovative Products and Services are specialty in nature, meant to provide our broker partners with a unique marketing advantage.

In our continued commitment to provide innovative, affordable and meaningful employee benefit solutions, Pan-America was the first to market “Minimum Essential Coverage” in response to ACA.  Our compliant, easy issue, customizable and affordable plans help you deliver confidently in this ever-changing market.  Pan-American offers a Single Administration Platform to control cost and keep service standards above industry norms. 

Our ACA Compliant Solutions:

PanaBridge Advantage is a lower-cost alternative to traditional major medical coverage. It provides a combination of a self-funded plan that meets the “minimum essential coverage”requirement and a fully insured limited benefit indemnity plan (excepted benefit) to provide meaningful first dollar benefits to help cover common services such as doctor’s office visits, hospitalization, intensive care, accidents, AD&D, labs, x-rays, prescriptions, Term Life and much more.

Highlights:

• Maximum/Level Funding to protect plan sponsors from unexpected events such as, sudden increases in utilization, cash-calls and unpredictability of funding costs over time
• Proven rate stabilization, resulting in long-term budget controls
• Satisfies ALE Mandate 4980H(a)
• Satisfies the Individual Mandate
• No pre-existing condition limitations
• No deductibles or copays - First dollar preventive and limited medical coverage
• Guaranteed Issue
• Single Administration Platform
• No Cost Enrollment Support
• May be offered to groups with other medical coverage
• Minimum Participation: 25 Enrolled (in most states)
• Telehealth (no cost consults)
• COMPASS Health Advocacy and Concierge Services
  

Other Products Include:

• Limited Benefit Indemnity
• HD-Supplement
• Critical Illness – GI Lump Sum
• Cancer – GI Lump Sum
• Dental
• PayCheck Provider – Voluntary Group Life
• Medicare Supplement
• Executive Medical Reimbursement
• Stop Loss
• Blanket & Travel Accident
• National Trucking Occupational Accident & Texas Non-Subscription