Our clients are able to access membership plans that provide solutions with a range of health care services and savings. We offer these plans primarily through our licensed discount plan subsidiaries, Protective Marketing Enterprises, Inc., and The Capella Group, Inc.

Our portfolio of products serves the needs of millions of clients:

Uninsured - We provide affordable coverage options to help individuals and families manage and budget their medical expenses.

Underinsured - We provide plans that offer additional services to supplement current plans.

Uninsurable - We provide access to health care services at discounted rates.

Insureds with High Deductible Plans - We provide excellent supplements to fill coverage gaps.

Our products* range from prescription drug and dental discount cards to medical discount network access programs, with a variety of consumer and health-related discounts and services.

In addition, some of our programs include automatic insured features, such as:

• $2,000 or more Accident Medical coverage
• $2,000 or more Accidental Death & Dismemberment benefit
• $2,500 or more Critical Illness coverage
• $500 or $1,000/month Disability Income benefit

We also have developed a series of Defined Benefit Plans that provide specific daily hospital indemnity benefits, surgical, doctor visit and emergency room benefits. Licensed insurance agents are allowed to sell these products, in addition to other health insurance plans.

* All products are not available in all states. These discount products are NOT INSURANCE.

Wellness Programs

We incorporate various wellness features in our plans to complement today's active lifestyles. These wellness features include access to alternative medicine providers, discounts at fitness centers, online and telephonic 24-hour access to physicians and counselors, 24-hour nurseline, savings on lab and imaging services, and discounts on vitamins and supplements.

National Association

Some of our Consumer Plan Division products are available through membership in America's Health Care Consumer Association (AHCCA). AHCCA is an independent national membership organization committed to helping Americans save money. There is no ownership affiliation between AHCCA and Access Plans USA. In most cases, sales representatives receive compensation from AHCCA for sales of these products and for promoting AHCCA membership services.