Medical Plans

A Limited Liability Medical Plan - The Mini Med

The Limited Liability Plan is a medical plan with much lower and more restricted benefits than a major medical plan with much lower premiums. It offers all the essential coverage that you need in a medical plan such as; doctor's visits, prescriptions, emergency services and hospitalization up to a certain point. Once this plan pays a total benefit costs of $25,000 for the year, you have exhausted all of your annual benefit. This means that you don't have anymore coverage until the next calendar year. It pays 100% of all preventative services, up to 3 office visits per year, emergency room and hospitalization up to $25,000 per year, and $5,000 in prescriptions a year. If you are healthy with no underlying medical condition, and don't take expensive medications on a monthly basis, this may be a good plan for you and your family. But note, this is a short term plan and not designed to cover a catastrophic event such as a heart attack, cancer, or a major accident that would require surgery or rehabilitation.

The Basic Medical Plan

The Basic Medical Plan offers similar coverage to the Mini Med, but it is considered a major medical plan and does not have an annual coverage limit for essential health care services. The Basic Plan covers 100% of all preventative services, up to 3 office visits per year, emergency services, hospitalization with no annual limit, and up to $5,000 in covered prescriptions per year. However, this plan does not cover some catastrophic events such as cancer, rehabilitation, physical therapy, or substance abuse services. The coverage level is in the name: BASIC. This is a great basic medical plan. It's everything you need and nothing that you don't.

The Blue Ribbon Medical Plan

The Blue Ribbon Medical Plan is an A-Rated Gold Level major medical plan offering comprehensive, robust health coverage. It pays 100% of all preventative services and 75% of all other heath services. There are no restrictive limits inside the Plan. However, there is a $10,000 pharmacy limit on Specialty medications. This plan also comes with a Platinum Level price as it is the most expensive plan that Ambassador offers. If you have an underlying medical condition, or if you know you will have major medical expenses coming up, then this is the plan for you. You will sleep better at night knowing you are covered from A-Z!

Cigna - Open Access Co-Pay Plan

The Cigna Open Access Plan makes it easy to get quality, in-network care with access to a large, national network of providers. Plus, you have the option to choose a primary care provider to coordinate your care and you don't need specialist referrals. This plan pays 100% of all preventive services, $50 copay to see your primary care provider and 75% of all other heath care services. The plan pays for 60% of all covered medications and 100% of some monthly maintenance medications. The Cigna plans also come with features such as access to virtual care, telemedicine, 24/7 online pharmacy, and managed care programs. Track your claims and locate providers online at

Cigna - Health Savings Account (H.S.A.)

An H.S.A. is offered with a Qualified High Deductible Health Plan (HDHP). In addition to your premium, you can make tax free contributions into your health savings account that can be used to pay out of pocket medical expenses and premiums in the future. You can set your own qualified savings account up or use one offered through Ambassador. This plan pays 70% of all heath care cost after you meet your deductible. While this plan is a great way to save for future medical expenses it is important to note that other than preventative services, this plan does not pay for any health care expenses until you meet your deductible. This plan will replace the current Ambassador H.S.A. through TBR.

WelldyneRx - Prescription Plan

When you enroll in one of Ambassador's medical plans, you are automatically enrolled in a prescription plan through WelldyneRx. The amount you have to pay at your local pharmacy for prescriptions will depend on which medical plan you choose. However, if you enroll in the WelldyneRx Mail Order Prescription Program, your prescriptions are FREE – you won't have to pay anything out of pocket. There is no co-pay and no deductible! Enrolling in the WelldyneRx Mail Order Program is easy. View the attached Mail Order Prescription Services information for step by step instructions on how to set up your mail order services. Welldyne allows you to manage your prescriptions directly from your computer or smart phone. You can set up automatic refills and track your prescription deliveries. No more long lines at the pharmacy waiting for your prescriptions.

Visit for information on services and covered medications.

Provider Network - First Health

Ambassador's medical plans are part of the First Health Medical Network. The First Health Network is one of the nation's largest PPO networks, offering access to quality, affordable health care with more than 5,000 hospitals, over 90,000 ancillary facilities, and over 1 million health care professional service locations in the United States, including Puerto Rico.

Visit to see if your doctors are included in your network.