The ACE USA Limited Benefit Plan is more than an insurance program – it is a package of benefits and services designed to take care of employees’ basic medical needs. It is not major medical or comprehensive medical insurance. It provides an alternative to the high cost of healthcare by providing a cost-effective plan of limited benefits for employees and their eligible dependents.

Our plans offer:

• Guaranteed issue coverage with no medical evidence required
• 6 month pre-existing condition limitations on hospital & surgery benefits only
• No coordination of benefits regardless of any other coverage in force
• Employee-only or Family Plan options
• Easy and convenient payroll deduction
• Assignment of benefits directly to service providers

Plus, value added services for employers and employees:

• Access to Beechstreet’s PPO network discounts for office visits and national networks for vision and prescription drug plans
• Toll-free numbers for customer service including inquiries and claim service
• Multilingual claims customer service capabilities—English and Spanish on a standard basis; other languages available if necessary to better serve your employee population
• Administration of COBRA benefits for groups with 20+ employees
• At your option, an Employee Assistance Program including face-to-face counselling sessions for employees.
• At your option, an insured generic prescription drug plan can replace the discount plan included