Medical Plans

Standard Medical Plan - A Minimum Essential Coverage Plan or "MEC"

The Standard Medical Plan is a Minimum Essential Coverage Plan or "MEC" Plan which meets the minimum essential coverage required under the Affordable Care Act keeping you in compliance with the ACA Individual Mandate. The Standard Plan is a Wellness Plan that covers wellness and preventative services only such as annual physicals, well baby/child care exams, immunizations, preventative screenings such as mammograms, colonoscopies and annual well woman visits with no out of pocket expense to you. There is no deductible, no co-pay and no co-insurance. The only thing you pay is your premium.

The Standard Medical does NOT pay for sick visits or regular office visits that is not considered "Preventative Care". It does not cover hospitalization, maternity, emergency room or prescription services.


Mini Med Plan

The Mini Med Plan is a limited liability medical plan, meaning it pays a limited benefit for a selected service. It will pay up to $15,000 in benefits per person per calendar year. It offers access to the network discounts just like the Basic 5000 major medical plan but with a lower annual deductible and premium. The deductible is $1,000 per person per year, a $35.00 co-pay for primary care office visit, and preventative care at 100%. This plan also offers limited coverage for emergency services, hospitalization, maternity and prescriptions.


HSA2500 & HSA5000 (Health Savings Accounts)

Ambassador is excited to introduce the new H.S.A. Health Savings Account (H.S.A. Plan) as our new medical plan option that puts you in control of your health and your health care expenses. This plan not only gives you a quality health plan, but also gives you access to a powerful Health Savings Account you can use to save money tax-free for health expenses today and into the future. With an H.S.A., the money you save is yours to use - or keep. At the end of the year, any unused money in your account rolls over to the following year. There is no need to "use it or lose it." And, when you retire or leave Ambassador for any reason, you take your balance with you. Your account can grow from year to year and can be used for future medical expenses- even COBRA or to pay insurance premiums later.

Plus, H.S.A's come with a triple tax benefit: 1) It reduces the amount of federal income tax you pay; 2) It earns tax free interest; and, 3) Tax free withdrawals - you never pay taxes on H.S.A. withdrawals when it is used to pay qualified expenses, including medical, dental, vision and pharmacy expenses.


Blue Ribbon Medical Plan

The Blue Ribbon Medical Plan is offered to certain classifications of employees who are assigned to participating clients. It is a fully compliant major medical plan offering all essential coverage's mandated under the Affordable Care Act. It covers Wellness and Preventative Services at 100% with no out of pocket expense to you. You pay a $35.00 co-pay for office visits for primary care services and 40% of all eligible medical expenses after you meet your $1,000 deductible, up to a maximum out of pocket costs of $7,350 per year per person or $14,700 per household. This plan covers emergency services, maternity, specialty services, lab and x-rays, hospitalization, out-patient services, physical therapy and rehabilitative services. The Blue Ribbon Medical Plan also covers prescriptions. All generic prescriptions are free with no deductible or co-pay.


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 www.firsthealth.com to see if your doctors are included in your network.