Q. - What is AFFORDABLE HEALTHCARE PLAN ?

A. -The affordable healthcare plan is a combination of the top association plan with insured benefits, the best dental plan, free benefits and discounted benefits.  Our plans are from $59.95- $199.95 for the whole family.

Q. - If you are going to have a scheduled surgery ,or an emergency happens which result in going to the hospital, what do I have to do?

A. - Your doctor must fill out a pre-certification form.  If the patient doesn't have the pre-certification form one is faxed to the doctors office along with an instructional letter emphasizing it must be completed and faxed back at least 3 days prior to the hospital admission.  With regular insurance you would need a pre-certification too. With the pre-certification form you can shop around a few hospitals and you can find out which ones are on our global per diem rate contact, which will save you the most money. 

Q. - When am I eligible?

A. - If we receive your order by the 20th of the month, you are eligible the 1st of the following month.

Q. - When do I have to pay the Doctor?

A. - You will show your doctors office your membership card.  They will call for eligibility and to verify where to send the claim form.  They will be told their is no co-pay and no deductible to meet.  They will mail in the claim form for re-pricing and about 3 weeks later the doctor and yourself will receive an E.O.B. (Explanation of Benefits) listing the charged amount and your discounted amount.  You will have 30 days to pay the doctor the discounted rate or they may charge you the regular rate.

    For scheduled surgery you must pay ahead of time by posting $1,000.00 a day deposit for every day of your anticipated hospital stay (or arrange a payment plan).  You will be billed if you are in the hospital longer.  You must file a pre-certification   form with your doctor, within 72 hours of your scheduled surgery.  Emergencies work the same way the regular doctors office visits work, make sure you doctor fills out the pre-certification form within 24 hours of leaving the hospital.

Q. - When will I receive my cards, and how many cards do I receive?

A. - You will receive 2 different packages if in California and you signed up for the Platinum plan, or 1 package if you're in the USA and signed up for the gold plan.  You will receive these packages within 10 days after your eligible and Platinum Dental available or in California, if you're eligible on the 1st within 10 days after the 1st and with 25 days if you're eligible on the 15th.

Q. - When am I eligible for the accident policy / AD&D ?

A. - If your effective date is the 1st of the month, then your eligible the first of the month.

Q. - Why would AFFORDABLE HEALTHCARE PLAN benefit a business?

A. - Employee retention is key to the success of business.  The down time and cost factor of trying to retain and recruit good employees, can have a catastrophic effect on a company's bottom line.  The AFFORDABLE HEALTHCARE PLAN allows a company to offer its employees a realistic solution that would erase the worry of family healthcare needs and solidify loyalty.

Q. - How do I know which providers will honor the AFFORDABLE HEALTHCARE PLAN program card?

A. - With the information package each family will receive a membership card with toll free numbers of our networks.  They can call these numbers to find local providers.  Or the can go online to access the entire network.

Q. - How do I know if the AFFORDABLE HEALTHCARE PLAN is available in a given area?

A. - AFFORDABLE HEALTHCARE PLAN is available in most parts of the country.  To see which types of providers are available in your area , visit our website at www.affordablehealthcareco.com.

Q. - What if my employer has multiple locations in several states?

A. - AFFORDABLE HEALTHCARE PLAN is available in 49 states (Washington state is currently not included).  Their employees can utilize program any of those 49 states.

Q. - Does a member have to file a claim form to get the savings?

A. - No, there are no claim forms or other paperwork to file.  Your doctor will submit a claim form to be re-priced. 

Q. - What if the member has a pre-existing condition?

A. - There are no limitations on the use of the program, regardless of health condition.  There are also no waiting periods (Except for the 60-Day waiting period for the free $400 lab test) or annual or lifetime maximums.

Q. - What if an employee quits or is fired, and the company hires someone else to replace him or her?

A. - If a company needs to add or subtract employees, you simply notify AFFORDABLE HEALTHCARE PLAN billing department, and these adjustments will be taken care of for you.  We do request that you inform the former employee who was included in your program, to contact AFFORDABLE HEALTHCARE PLAN if they wish to convert their membership to a personal account.

Q. - Is AFFORDABLE HEALTHCARE PLAN an insurance program?

A. - No. this is not an insurance program. Our insured benefits are issued to the Association. It is simply a way to obtain substantial savings on all of your healthcare needs.