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 Plan Overview
Group discounted rates
Associated Industries of Missouri, one of the
oldest and largest trade associations in Missouri, has
leveraged the buying power of 1,200 member companies
representing over 300,000 employees to secure an across-the-board
group health insurance it guarantees the best possible rate from
American Community Mutual Insurance Company.
AimCareTM is the branded health insurance package created
by Associated Industries of Missouri.
When was the last time you
received a refund from your insurance carrier?
AimCareTM
is making every effort to encourage responsible usage
and employer involvement in the consumer education process. A premium
refund will be offered at the end of each plan year to every company in
AimCareTM
plans 2 -49 will be based on overall claims experience of
the group. Plans 50 plus will be based on stand alone
results.
Plan
Highlights
- Ten
plan designs
to choose from
- Both
Healthlink
and PHCS provider networks
- Worldwide coverage
-
Prescription drug
benefits
- $5,000,000 medical lifetime maximum
- Fully insured by American Community Mutual Insurance
Company
- Optional dental and weekly income
- At least 75% of employees must reside in Missouri
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Plan Design Selections
Get a quote now!
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Basic
Plan Comparison |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
Plan 6 |
Plan 7 |
|
Individual Deductible |
$250 |
$500 |
$500 |
$750 |
$1,000 |
$1,500 |
$1,500 |
|
Family Deductible |
$500 |
$1,000 |
$1,000 |
$1,500 |
$2,000 |
$3,000 |
$3,000 |
|
Coinsurance %
In Network |
90% |
90% |
80% |
90% |
80% |
90% |
70% |
|
Coinsurance %
Out of Network |
70% |
70% |
60% |
70% |
60% |
70% |
50% |
|
Individual
Out of pocket maximum |
In Network |
$1,250 |
$1,500 |
$2,500 |
$2,000 |
$4,000 |
$3,000 |
$6,000 |
|
Non Network |
$2,500 |
$3,000 |
$5,000 |
$4,000 |
$8,000 |
$6,000 |
$12,000 |
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Family
Out of pocket maximum |
In Network |
$3,250 |
$3,500 |
$4,500 |
$4,500 |
$7,000 |
$6,000 |
$9,000 |
|
Non Network |
$6,500 |
$7,000 |
$9,000 |
$9,000 |
$14,000 |
$12,000 |
$18,000 |
|
Physician
Office Visit Co-pay |
$20 |
$20 |
$25 |
$25 |
$30 |
$30 |
$35 |
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Plan Choices |
Tier I |
Tier II |
Tier III |
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Plan 1
– Network Services |
Network: You pay $40 Copay per visit, then
we pay 100% |
Network Deductible: $1,000 (Single) $2,000
(Family)
We pay 90%
/
We pay 70%
Out of
Pocket Maximum: $5,000 (Single) $10,000
(Family)
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Plan 2
– Network Services |
Network: You pay $50 Copay per visit, then
we pay 100% |
Network Deductible: $3,000 (Single)
$6,000 (Family)
We pay 90%
/
We pay 70%
Out of Pocket Maximum: $7,000 (Single)
$14,000 (Family)
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| Non-Network (Unless otherwise specified) |
You pay 2x network Copay per visit, then we
pay 70% |
You pay 2x network deductible, then we pay
60% |
You pay 2x network deductible, then we pay
50% |
| Lifetime Policy Maximum |
$5
million |
| Networks Available |
HealthLink ~ Open Access II ~ PHCS |
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to Overview
Prescription Drug
Plans
Triple Tier Plans Only
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Prescription Drug Plans
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Included Prescription Drug Plan
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Generic Drugs Only: $10 Copay ($30 for Brand
Name contraceptives)
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Optional Prescription Drug Plans
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High Plan: $10 / $25 / $40; Mail Order $25
/ $60/ $100
Medium Plan: 10% / 30%; Mail
Order $25 / $75
Generic Drugs Only / Mail Order:
Generic $10; Mail Order $25 / $60 / $100
Mail Order Program: $25 / $60 / $100
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PPO Plans
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High Plan |
Medium Plan |
Generic/Mail
Order* Plan |
Mail Order
Program* |
|
Retail Drug Card Copay |
| Generic |
$10 |
10% |
$10 |
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| Select
Brand Name |
$25 |
All Brands 30% |
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| Additional
Brand Name |
$40 |
| Supply/Refill |
31-day supply per prescription/1 refill |
| Mail
Order Copay |
| Generic |
$25 |
$25 |
$25 |
$25 |
| Select
Brand Name |
$60 |
All Brands $75 |
$60 |
$60 |
| Additional
Brand Name |
$100 |
$100 |
$100 |
| Supply/Refill |
90-day supply per prescription/1 refill |
| *
Coverage for Prescription Maintenance Drugs only |
**
Medium Plan Retail Drug Cards have minimum dollar
co-payments that match the percentage.
For
example, a 30% co-payment has a $30
minimum co-payment. |
| The
maximum co-payment for retail on the Medium Plan is
$100 per prescription |
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