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Frequently Asked Questions
About Mobile Americans Q: What is Mobile Americans?
A: Mobile Americans is a healthcare discount program that finally allows
the consumer an opportunity to obtain substantial
savings in healthcare services and benefits
such as: hospitals, and medical visits (national
and international).
Q: Is Mobile Americans an insurance program?
A: No, Mobile Americans is not insurance. Actually, our members enjoy
the flexibility of this healthcare program
because it allows the acceptance of pre-existing
conditions and it does not have the complications
of claim forms or waiting periods. We use
our national volume power to negotiate the
lowest prices available and the savings are
passed on to our members.
Q: How soon can I use this program?
A: In approximately 10 - 20 working days after
enrollment you will receive your medical,
hospital, and international membership cards,
and a Member kit describing each of the programs
and how to use them in detail. Due to the
numerous PPO panels you must be enrolled
in to utilize the medical, and hospital benefits,
it takes the extra few days to ensure you
are eligible to use these benefits and are
enrolled in all PPO panels. Upon receipt
of your card, you will immediately be able
to use your healthcare program.
Q: How do I know which providers will honor
the Mobile Americans program card?
A: With your Member Kit you will receive a
listing of healthcare providers in your area
who are in the program, you may dial the
number on the back of your card for additional
provider listings, or you may use the provider
locator on this web site.
Q: I've spoken with a few doctors that are
listed on my provider directory and they
have said that they have never heard of Mobile Americans. Why don't they know who you are?
A: Mobile Americans is relatively new approach to affordable
healthcare. With over 300,000 providers
nationwide, it should be expected that many
providers will not be familiar with our name.
However Mobile Americans is built off of existing
PPO networks. The doctors belonging
to these networks have existing agreements
to provide access to Mobile Americans members.
Your identification card identifies the PPO
networks, as well as, the required information
for the doctor to calculate your savings
benefit.
Q: How do I know if the Mobile Americans Program is available in my area?
A: Mobile Americans is available in all 50 states.. To see which
types of providers are available in your
area, use the 800#'s provided on the back
of your card or utilize the provider locator
here on our web site.
Q: How do I pay for my healthcare program?
A: A member has a choice of monthly payments
that are made by electronic bank draft system
or by credit card. Additionally, if
your employer chooses to sponsor the Mobile Americans program, you may opt for payroll deduction.
Q: Who can be included under a Family Plan?
A: Employee, spouse, dependents, spousal equivalent (significant
other, domestic partner) and their children,
as well as, parents are included under a
Family Plan.
Q: What if I need medical assistance when
I am traveling?
A: A toll-free customer service number is available
to you for information on providers throughout
the country or for any other assistance you
require in using the program.
Q: Can I use the Mobile Americansprogram even if I have other insurance?
A:Yes! In many cases the healthcare program
can be used to compliment your current insurance
program to reduce your out-of-pocket expenses.
Ask your Representative to assist you in
evaluating if the Mobile Americans program
can work in conjunction with your existing
health insurance.
Q: If I am on Medicare, can I use the Mobile Americans healthcare program?
A: Yes! The healthcare program provides significant
savings on the portion of the costs that
may not be covered by Medicare.
Q: I have been turned down by insurance companies
before. Can I still join your healthcare
program?
A: Yes! Everyone is guaranteed to be accepted
regardless of age, health, or pre-existing
conditions. We have no waiting periods, no
deductibles, and no claim forms. There are
no limits to your visits or savings.
Q: Why would Mobile Americans benefit my company?
A: Employee retention is key to the success
of any business, large or small. The down
time and cost factor of trying to retrain
and recruit good employees can have an enormous
effect on any company's bottom line. Mobile Americans allows you to offer your employees a realistic
cost-effective solution that can minimize
the worry of family healthcare needs and
ensure a more loyal employee.
Q: Do I have to file a claim form to get
the savings?
A: No. There are no claim forms or other paperwork
to file. Most providers will provide you
with the network price immediately during
your visit.
Q: What type of savings can I expect?
A: There are no limits to your savings. Your
savings will vary depending on services,
PPO panel you utilize, and the area of the
country you utilize the PPO panels in. However,
for average savings, you can expect to receive
between 20 and 45% and more on the hospital
and doctor benefits.
Q: What if I have a pre-existing
condition?
A: There are no limitations on the use of the
program, regardless of
your health condition.
There are also no waiting
periods or annual
or lifetime maximums.
More Questions?
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