American Medical Security Life Insurance Company is a wholly owned subsidiary of PacifiCare Health Systems, Inc. We provide adaptable, competitive health insurance plans for individuals, families, and small businesses.
American Medical Security Life Insurance Company is rated A- (Excellent) by A.M. Best, independent analysts of the insurance industry. This rating, released March 25, 2004, is based on financial and operating performance.
The AMS philosophy for providing quality plans at competitive rates centers around the use of preferred provider organizations (PPOs) or provider networks. We design plans that use PPOs because they allow customers to choose any qualified provider with the potential to lower their out-of-pocket costs when they visit PPO providers and doctors.
Customers can call 24 hours a day and speak with a customer service representative when they have questions. AMS focuses on providing excellent customer service, and that means our customers can call any time of the day or night.
Nurse Healthline, Inc. is also available 24 hours a day. Nurse Healthline, Inc. is a toll-free helpline staffed by registered nurses. When our customers call Nurse Healthline, Inc., they receive medical information to help them make educated health-care decisions. Services are provided through a contractual arrangement with their subsidiary, Nurse Healthline, Inc.
A.M.S. Financials
American Medical Security Group, Inc. (NYSE: AMZ) is a leading provider of healthcare benefits and insurance products to individuals, families, and small businesses. AMS serves customers in 32 states and the District of Columbia through partnerships with professional, independent agents and quality healthcare providers.
Best's Rating
A- (Excellent)*
Financial Size Category
VIII ($100 million to $250 million)
Editorial note: Insurance Rating services favor carriers that are life insurance oriented. We believe that a carrier rated B- or better from AM Best presents little or no risk to your health plan.
See their Financial Statements
Plan Features
AMS, like most of the major carriers features a wide choice of PPO networks to meet local needs. AMS does have some unique PPO networks that may make AMS a better choice in some rural areas.
One of the most interesting advantages that AMS offers is "plan choice". When an employer has a AMS plan, each employee is offered the complete array of plan designs. They can choose a top plan with a low deductible or a plan with higher copayments and deductibles to reduce gross cost. Many employers are caught in a dilemma in knowing which benefit plan to offer an employee. It's very tough to pick one plan that meets each employees needs while keeping a lid on the budget.
Plans include preventive care, maternity, office copay, Rx card, accident benefit, and routine vision care. Also available is a full dental or full vision option. AMS is best with groups of 5+ to 25 employees. Groups outside of that range are generally best suited with some alternate carrier or design.