For nearly seven decades, American Community has provided protection for healthcare expenses. They offer a broad range of affordable traditional, HSA and other consumer-directed health insurance products for groups, individuals and families, along with a low-cost plan for short-term, temporary insurance.

American Community has been named one of "Metropolitan Detroit's 101 Best Companies to Work For," four years in a row.

American Community’s goal is to provide affordable health insurance by controlling costs while offering flexible coverage and a range of benefit options. They offer health insurance plans for individuals, families, and small or large employee groups. Their products include:

• • Preferred Provider Organization (PPO) plans with broad network coverage
• • Consumer-choice health insurance products with alternatives for savings and tools for self-directed care
• • Short Term interim health insurance coverage for students, self-employed or those in between jobs
• • Group options of life, dental, vision, weekly income and accidental death and dismemberment (AD&D) coverage
• • Individual options of dental, vision and maternity coverage

Preferred Provider Organization (PPO) Plans

Our PPO products give you the freedom to choose any physician or hospital you want. If you seek medical services from a doctor or hospital inside the PPO Network, you pay less for your health care services. If you seek medical services outside of the network, your benefits will be less generous. As a consumer, you can control your share of health care costs, just by seeking medical services from a doctor who is participating with your network. These network doctors will file your claims for you and must accept the network allowed amount as payment for covered services. What makes any of our PPO plans so desirable is your ability to go to any network provider you choose, including a specialist, whenever you choose. You do not need a referral for hospital, outpatient or ancillary services. In addition to our comprehensive state networks for our PPO products, American Community has contracted with a nationwide travel network to provide access to providers when employees and covered dependents travel outside of their local area.

          Community Flex:  This plan allows you to build upon a solid Major Medical foundation.  Leave the plan as a Major Medical plan or add Office Visit co-pays and enhanced prescription drug coverage. Find the right mix of premium and coverage that suits you individually with "Community Flex"  (Click here for Benefit Description)

         Next Generation HSA  A Health Savings Account qualified plan with a Common Family Deductible option.  Use your HSA to pay day to day expenses with Tax deductible monies.  The Plan pays 100% after deductible and will waive the deductible for expenses related to an injury for 30 days following the injury.  (Click here for Benefit Description)

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If you are interested in either plan, please email us at SEND ME A QUOTE or give us a call anytime at 480-820-6643.

Please email us for a QuoteClick here for a hard copy application and fax or mail to us at:

Larry E. Gustafson, Inc.
1517 East Todd Drive
Tempe, AZ 85283
Fax 480-820-2840