• We give you choices - Choose from 10 of our Preferred Provider Organization (PPO) plans with both in-network and out-of-network benefits. Plan choices include PPO, short-term, and health savings account (HSA) options. Select the plan with deductibles, coinsurance and out-of-pocket maximums that are right for you.

• We give you the leading doctors - You'll have your pick of the region's best doctors and hospitals.

• We give you flexibility - When you're in transition, our Short-Term Products offer flexible and affordable options to give you coverage when you need it most.

• We give you coverage away from home - If you ever become ill or injured while traveling, Assist America will arrange for the assistance services it provides without limits on the covered cost. Whether you are across the country or across the ocean, we've got you covered.*

• We put the "person" in personal - You'll be supported by our award-winning customer service. Yes, real people will be with you every step of the way answering all your questions and taking care of your needs.

• We want you to be healthy - You'll get personalized wellness programs and preventive care to maintain and improve your well-being. (Excludes short-term plans)

• We don't want you to wait - It only takes 30 minutes to apply and coverage can begin as soon as the first or fifteenth day of the month following acceptance.

* HAP still covers you worldwide for emergency and urgent care. Assist America does not replace your HAP coverage. Remember if you have a medical emergency and are admitted to a hospital that is not affiliated with HAP, notify HAP within 48 hours using the number on the back of your HAP ID card.