What is it? Medical Access Insurance is an excellent addition to an organization’s existing benefit program. An employee, who has been placed on a surgical or procedural wait list greater than 45 consecutive days in length, can be sent for diagnosis and treatment, on covered medical conditions, in the United States or Canada immediately. Benefits Reduce benefit costs, accelerate medical treatments and cut absenteeism. With Medical Access Insurance, your employees can access best-in-class medical treatment at facilities throughout North America. With its focus on immediate care for illness and injury, this unique product also helps employers attract and retain employees in a competitive job market. Why Medical Access Insurance? Case Study A 30 year old labourer covered by Medical Access Insurance suffered a degenerative eye disease and required a corneal transplant. Transplant wait time was one to two years and could have resulted in an LTD claim; the employee was already on STD. In addition to LTD payments, estimated cost in lost labour for the organization was $23,348. With the help of MAI a tissue replacement was found within 7 weeks and the surgery completed. The procedure took place within the Canadian public health system. The Plan Medical Access Insurance can be an enhancement to an existing benefit program or written on a stand-alone basis for companies or small businesses without a plan. Coverage Includes:
- Pre and post surgery specialist consultation, diagnosis (i.e. MRI & CT scans) and surgery for over 125 covered conditions and procedures including angioplasty, coronary artery repair, hip and knee replacement and prostate surgery
- No deductible or co-payment
- No medical underwriting, only a short medical questionnaire describing any pre-existing conditions
- Emergency Out of Province Travel Medical
- Specialist Consultations
- Pre-existing conditions covered after policy in effect 24 consecutive months
- Treatment costs paid directly to the service provider
Contact Us for more information!
