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S.A.M. Health Insurance
The cheapest--and best!-- that you can find! We don't even have coinsurance or copayment. That's how much we want you to save! We'll pay for the whole cost. ====﻿Over one million people are currently insured with S.A.M. Health Insurance. How could you go wrong?====

The health of the citizens of the United States is very important to the agents of S.A.M. Insurance. We offer many insurance options so that you have a wide variety to choose from to help pay for an injury, disability, surgery, etc. For more information about the types of plans and how they work go to the Heath Insurance Information Center. []

What does S.A.M. Health Insurance cover?
 * Vision Service: Schedule and appointment to see your optometrist with no worries! We help pay for eye glasses and contacts. We might even pay for surgeries such as LASIK and cataract removal.


 * Emergency Situations: Are you a person who gets injured frequently? Buy S.A.M. health insurance and get discounts on your trips to the ER. If you get insured with us, you won't have to worry about paying for ER trips, including the x-rays, lab tests and hospital stays.


 * Maternity: We pay for doctors visits, hospital stays and sonograms throughout the whole 9 months!


 * We also cover diagnostic tests such as a CAT scans or even x-rays.


 * If you need surgery for anything, S.A.M.'s got you covered!


 * Another thing we cover is disability. We pay for Social Security or even wheelchairs and power chairs if needed.

Extra Information One thing we're asked about most is our health maintenance organization, and yes, we do work well with our customers under this plan. It is a nonprfit organization that helps lower the cost of specific health care.

You may have also heard of our major medical insurance plan. This will increase the coverage of any treatment or plan and makes the whole process easier and less stressful. With a major medical plan, we will offer coverage of private nursing or home care which we otherwise would not cover. If you purchase a major medical insurance plan, you can also receive managed care free of charge. This will reduce the cost of health coverage and improve the quality of care that is received.

Unlike many other insurance companies, S.A.M allows pre existing conditions.* This means that if you have a health condition (such as cancer or heart disease) we will NOT put you on a waiting list and we will NOT disallow you from being covered with our programs and packages.

If you become a member of a medical care arrangement, you could get a reduced price in your coverage. This is called Preferred Provider Organization (PPO). If and when you have to use your insurance for an injury, illness, service, etc, the price will be lowered.

The only thing you have to pay for yourself (out-of-pocket expenses) are the deductible and co-payment. The deductible is what you must pay before the plan starts to cover anything. Co-payment is your portion of the cost of the goods and services you receive, which isn't much when you're covered with S.A.M Health Insurance. Because our deductibles are so low, we charge the same price for every package. You'll have to pay only $5.99 for each coverage deal you get. Co-payment depends on the program you're looking to invest in.

Prescription coverage. We help pay for your prescription medicine, too. Whatever type you get, we pay 35% of the total price.

__**Costs of our Care Packages**__
Vision: $5/month for basic insurance coverage. The cost of each surgery and other eye purchases varies, depending on what type it is.

Emergeny Situations: Going to the ER is a scary thing. Feel safe and secure with us! Just $3 a month will cover your hospital stays, each lab test and x-ray will cost an additional $5.

Maternity: We understand how stressful a pregnancy can be. A future mother already has enough things to worry about, so get our maternity insurance to help out. Only $10 a month, and that includes hospital stays, sonograms AND doctors visits.

Diagnostic Tests:
 * [[image:http://www.clipartguide.com/_thumbs/0511-0810-1304-2944.jpg width="100" height="100" caption="Cartoon X-ray of a Hand clipart" link="http://www.clipartguide.com/_pages/0511-0810-1304-2944.html"]] ||
 * Cartoon X-ray of a Hand clipart ||

CAT scans are $15 each The cost of x-rays usually depend on what part of the body is being photographed. Biopsies are $20 each We also cover any laboratory tests.

Disabilit ﻿ ies: Our elders are very important. We understand that at a certain age, some people aren't able to work anymore. We also understand the fact that if an accident happens that leaves someone crippled, they need financial help. So, our disability insurance cost is very affordable. Powerchairs and wheelchairs are just $3 a month! Insurance on social security is $5 a month. If someone is unable to work due to a temporary or lifelong injury, we provide monetary help. You will receive coverage of $120 a month. We offer an income replacement insurance. Just pay $5.99 a month and you'll receive a regular income if you need to be out of work due to an injury.

If the price of our insurance is ever a problem, we will work with our customers and see if we can lower it, depending on an annual income and the seriousness of the issue health issue.

C.H.I.P: That's right, we cover children's health care too! If your child does not receive other health care, you may be eligible for C.H.I.P. The whole plan is just $10 a month, and that includes all of your children

Medicare: If you're over 65, we understand how hard it is to have a job and income. We provide Medicare to cover you! Coverage costs $4 a month. The great thing about Medicare is that instead of just covering 35% of prescription costs, we cover the whole thing if you invest in this program.

Medicaid: Wel also provide Medicaid. This program is designed for families with low incomes. The package costs just $3 a month.

Exclusions: We do not cover home care or private nursing unless a purchase of major medical insurance is made.
 * If your medical problem is caused by smoking, drinking or drug use, it may or may not be covered. These problems are self inflicted, therefore, may result in an increase of insurance or none at all.

"What Does Health Insurance Not Cover?." HealthInsurance.info, n.d. Web. 19 Oct 2010. []

"What Does Major Medical Health Insurance Cover?." Life 123, n.d. Web. 19 Oct 2010. []

Easey, Cameron. "What Does Maternity Insurance Cover?." EHow, 08/19/2009. Web. 19 Oct 2010. []

Crawford, Steve. "Personal Disability Insurance." //About Disability Insurance//. About-Disability-Insurance.com, n.d. Web. 19 Oct 2010. []