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Please read this important information about our products.
Products and benefits not available in all states. Like most group benefit programs, our products have exclusions, limitations, waiting periods and terms for keeping them in force. Please contact Pan-American Benefits Solutions for complete details.
Limited Medical
PanaMed is issued by Pan-American Life Insurance Company on policy form number GER-1991-1, GER-2004-1, GER-2007-1, PA-102401-POL, GER-2006-1, PA-102401-POL-FL, PA-102401-POL-IN, PA-102401-POL-IA , GER-2010-I(LA), GER-2007-I(OR), GER-2007-1(WA) or PA-102401-POL-WY. The plan will not pay benefits for any care provided prior to the coverage effective date or if the insured is confined in a hospital at the time the coverage is effective. Hospital does not include a nursing home, convalescent home or extended care facility. There are no pre-existing exclusions except for pregnancy in most states. THIS LIMITED HEALTH BENEFITS PLAN DOES NOT PROVIDE COMPREHENSIVE MEDICAL COVERAGE. IT IS A BASIC OR LIMITED BENEFITS POLICY AND IS NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS PLAN IS NOT DESIGNED TO COVER THE COSTS OF SERIOUS OR CHRONIC ILLNESS. IT CONTAINS SPECIFIC DOLLAR LIMITS THAT WILL BE PAID FOR MEDICAL SERVICES WHICH MAY NOT BE EXCEEDED. IF THE COST OF SERVICES EXCEEDS THOSE LIMITS, THE BENEFICIARY AND NOT THE INSURER IS RESPONSIBLE FOR PAYMENT OF THE EXCESS AMOUNTS. THE SPECIFIC DOLLAR LIMITS ARE LISTED IN YOUR SUMMARY OF BENEFITS.
For Massachusetts residents:
This health plan alone, DOES NOT MEET MINIMUM CREDITABLE COVERAGE standards and WILL NOT SATISFY the individual mandate that you have health insurance. Please see the Exclusions and Limitations for additional information. For Washington residents:
The state of Washington requires that we provide you some information about fixed payment benefits. Click here to read this important message. Click here for Exclusions and Limitations
Medical Accident
Depending on the state, Medical Accident is issued by Pan-American Life Insurance Company on policy form number SM-2003 or Zurich American Insurance Company or Fairmont Specialty. Click here for Exclusions and Limitations Dental
Group Dental insurance is issued by Pan-American Life Insurance Company on form number DEN-06-P. Click here for Exclusions and Limitations Group Term Life and Paycheck Provider
Group Term Life insurance is issued by Pan-American Life Insurance Company on policy form number PAL-LP-2000 or PAL-LP-2007. Click here for Exclusions and Limitations The following products are not issued by Pan-American Life Insurance Company. Pan-American Life is not affiliated with these companies. The Vision Discount plan is offered by Coast to Coast. It is not an insurance product.
Pharmacy benefits are provided by RxEDO, Inc.
PPO Provider Services are provided by MultiPlan, Inc.
Telemedicine services are provided by AmeriDoc, LLC.
Telehealth does not replace the primary care physician. Telehealth is not available in Oklahoma. Telehealth services does not guarantee that a prescription will be written and operates subject to state regulations. Telehealth does not prescribe DEA controlled substances. Telehealth physicians reserve the right to deny care for potential misuse of services. Adult Wellness and Lab services are provided by Direct Laboratory Services, Inc. It is not an insurance product.
To check availability please contact Pan-American Benefits Solutions.
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