ABOUT US

The Problem

Over 45 million working Americans, or 15 percent of the population, are either ineligible for group health insurance through their workplace or are simply unable to afford coverage.

• Skyrocketing health insurance costs are heavily impacting employers. Medical benefits for employees have become the most expensive health benefit paid by employers.

• The cost of healthcare for employers has jumped 12.4% between 2002 and 2004. That's about 5 times higher than inflation.

• Employers spent $331 billion in 2004 for health insurance for employees. That's a 50% increase since 1998. This comes out to an average of $3.80 per hour for each worker who participated in health insurance coverage.

The Solution

America Protect® specializes in the creation and implementation of Defined Benefit Medical Plans. Uniquely designed as an alternative to higher-priced major medical plans, the America Protect® Defined Benefit Medical plans provide essential coverage for the fundamental care people need. The America Protect® plans are underwritten by some of the largest and most respected AM Best rated insurance companies in the United States and include benefits such as hospital stays, surgical procedures, ICU, critical care benefits, x-ray and diagnostic testing, doctor visits, wellness visits, medical accident, emergency room visits, prescription drugs, accidental death and dismemberment and more.

Often people are forced to go without healthcare because they can't afford the exorbitant prices. America Protect® offers healthcare coverage that is affordable, easy to use and understand, and covers many different types of medical expenses. Through America Protect®, people are able to get the medical attention, and preventative care required to keep minor sickness, injuries, and accidents from becoming serious situations. As a result, people are better able to avoid serious illness and lost work, time and wages.

America Protect® has partnered with the National Congress of Employers (NCE) to create an affordable alternative to healthcare. These defined benefit medical plans offer a viable, lower-cost alternative to meet the basic healthcare needs for you and your family. By utilizing these association plans employers are able to reduce and control the costs associated with employee health and welfare plans, maintain favorable access to human capital resources, and have the ability to bring on more contract or outsourced labor, thus reducing the population of benefit eligible employees.

Our plans are built specifically for:

• Full-Time & Part-Time W2 Employees
• Contract Labor Groups, 1099 Independent Contractors
• Associations & Affinity Groups
• Self-Employed, Small Businesses
• Temporary Employees, Service Contract & Prevailing Wage 

Whether you're looking to supplement your existing major medical plan to help cover out-of-pocket expenses such as deductibles or co-insurance or looking for a low cost alternative to major medical insurance, America Protect® may be able to help. We have designed this site to help answer most of your questions, however, if you have additional questions please contact us.