Individual Health Insurance

Individual health insurance provides health coverage for those who are not covered through an employer or other group.

Affordable Health's individual health insurance product has flexible features designed to protect an individual and his or her family.

Customize your plan - with included benefits that go beyond your every day needs

• Prescription drug benefits with no annual limit
• No policy limits on Intensive Care Unit (ICU)
• Worldwide coverage, 24 hours-a-day
• Wellness benefits
• Lifetime maximum benefit - options up to $8 million
• Copay option available for doctor office visits - you choose from $20, $25, $30 or $40 options
• Single deductible for accidents involving multiple family members
• Your choice of doctors and hospitals from extensive networks
• No referrals necessary to see a specialist

Optional Benefits 

Accident Medical Expense (AME)

With AME, you're covered when you have an injury - before you pay any copay, access fee, deductible or even coinsurance.

Choose from three benefit levels: $300, $500 or $1,000. For each accident occurrence, benefits are available for accident-related charges incurred within 90 days of the accident.

Health Savings Accounts (HSAs)

HSAs give you every advantage in saving for future health care expenses. You get tax-deductible contributions, tax-deferred interest and tax-free withdrawals.* Check with your agent for more information.

* Affordable Health is not engaged in rendering tax advice. Contact a qualified tax professional for tax advice. Federal and state tax regulations are subject to change.

Prescription Drug Coverage

We know that prescription drug coverage is important to you. That's why we offer valuable prescription drug benefits with no annual limits such as:

$0, $250 or $500 deductibles
$10 copay on generic prescriptions
$25 copay on brand prescriptions + 20% coinsurance

You can save even more by using our convenient mail-order prescription drug service.

Options may vary by state and plan type. For specific details on Rx coverage for each plan, please refer to our brochure.

Dental and Vision Card

You won't pay full price on dental services or eyewear. Just present your card to a dental or eyewear provider in the nationwide network and receive:

• Discounts of up to 60% on dental services, including cleanings, x-rays, fillings, crowns and orthodontia.
• Discounts of up to 60% on eyewear, including eyeglasses, contact lenses and sunglasses.

The discounts extend to all family members in your household. If just one person in your family needs vision correction, you could save enough on eyeglasses or contacts to cover the cost of the card for a year! And you can use the card as much as you want - there are no limits. Look at the chart below for sample savings.

Procedure	National Average*	You pay as little as
Oral exam	$43.00	$20.00
Adult cleaning	$77.00	$35.00
Complete x-rays	$108.00	$40.00
Bitewing x-rays	$39.00	$18.00
Total	$267.00	$113.00
Total Savings: $154.00 for one routine visit
The card can pay for itself in just one routine visit!

See the Plan Summary included with your proposal for more information on benefits and provider networks in your area. This is a discount program, not an insurance product. *

*National averages based on "National Dentistry Advisory Service Pricing Program 2000." The figures are for example only. Actual savings vary by provider, location and actual service.