American Medical Security (AMS) offers a variety of competitive health insurance policies for individuals, families, and small businesses. For its operations throughout the country, AMS has received a rating of "A-" (excellent) from A.M. Best. Its plans are designed to be flexible as well as cost-effective. The plans are backed by excellent customer service that is available 24 hours a day, 365 days a year.

American Medical Security Plans

In addition to its health care plans, AMS offers a variety of value-added services. It provides a 24-hour Nurse Line that allows consumers to speak directly to a registered nurse about their health concerns. In addition, account assistance can be obtained online. Care management nurses are available to explain the options and benefits that are available. Some typical plans offered are described below:

• MedOne for Individuals - There are two basic versions of the MedOne plan.
  
  
  • MedOne Plus - Under this plan, consumers can select from an array of standard health coverage options. Policy holders also can select the levels of deductibles and co-payments they desire.
    
    
  • MedOne Security - This plan offers similar coverage to the MedOne Plus plan, but at a lower cost that is balanced by an increase in deductibles.

• Self Directed Health Plan (SDHP) - The SDHP is a plan available for group coverage. It combines a Self-Directed Account (SDA) with a Preferred Provider Organization (PPO) health insurance plan.

AMS also offers Health Savings Accounts (HSA) through its competitive MedOne HSA plan. Short-term medical insurance can also be obtained.

• MedOne Dental - This plan provides dental coverage for individuals by working in conjunction with standard MedOne plans. The plan offers coverage for preventive care, as well as for major services such as root canals and crowns.