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American Medical Security Life Insurance Company (AMS)

The American Medical Security Life Insurance Company offers flexible health insurance products that are marketed towards individuals, families, and small businesses. AMS is a wholly owned subsidiary of PacifiCare Health Systems, LLC, one of the nation’s largest health care organizations. In 2004, AMS received an A- (Excellent) rating from A.M. Best, an independent analyst which measures financial and operating performance to rate the insurance industry.

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Choosing the Right Health Insurance

AMS works to offer diverse plan designs that are flexible in nature to allow customers the choices they want. They also strive to provide outstanding customer service. AMS markets its services through independent agents found from Pennsylvania to Utah and all states south. It also services Wisconsin and Michigan.

  • MedOne Plus, offers a flexible insurance platform that can be used to suit individual needs and budget concerns. There is a flexible choice of benefit plans with varying co-payment and deductible amounts that customers may choose from.

  • MedOne Security, is a higher deductible product with lower more affordable monthly premiums. It uses the most popular deductibles, coinsurance, and co-payment rates from the MedOne Plus line of products, and offers the same services.

  • MedOne HSAvings, is a high-deductible health plan that meets federal guidelines for use with or without a Health Savings Account.

  • Short-Term Medical Insurance (STP), a short term insurance product that allows customers to choose between 30-180 days of coverage.

  • Value Added Services, discounts and special services are offered according to region.

  • Group Insurance, AMS offers flexibility and mutual input in designing a benefit program to meet the specific needs of your company. They offer employees the choice to select the best plan for their needs and budget.

  • Self Directed Health Plan (SDHP), combines consumer-directed health care with a PPO managed care product. A Self Directed Account (SDA) can be used to pay for routine medical expenses and preventive care.

  • Dental Insurance, AMS offers group DentalChoice dental insurance that lets customers choose from several plan offerings. For individuals, MedOne Dental insurance can be coupled with MedOne Medical Insurance. MedOne Dental has no practitioner restrictions and covers major services.


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