How it Works

Method Overview

A Hassle-free Membership Experience

 

 Member’s monthly contributions are shared together and used to pay AHS members’ eligible medical expenses. After becoming an AHS member you will be given a welcome packet. 

If you have a medical need, please present yourself as self-pay. Simply get the bill and forward it to us. It’s that simple.

Don’t pay the bill unless you are required to. We will work with the providers and pay them directly.  

 

AHS handles all the medical bill negotiation and payment. This results in a hassle-free membership experience and allows AHS to reduce the bills to a reasonable rate.

Specialist visits

Specialist visits are typically part of a “case” and therefore are eligible for sharing. Present yourself as self-pay. Simply get the bill and forward it to us. It’s that simple. We will handle bill negotiation and payment. (Catastrophic program does not include specialist visits unless it is in a hospital setting and part of a hospital stay).

Hospital stay

Unless listed on our “exclusions list,” all injuries or illnesses resulting in a hospital stay and the doctor’s bills incurred as a patient, are eligible for sharing on all AHS’ programs. Present yourself as self-pay. Simply get the bill and forward it to us. It’s that simple. We will handle bill negotiation and payment.

Elective surgery

Please inform an AHS staff member prior to scheduling an elective procedure. There may be discounts which are best negotiated prior to the procedure. As stated previously, AHS will handle the negotiation and payment for all eligible surgeries. Present yourself as self-pay. Simply get the bill and forward it to us. It’s that simple.

Doctor’s office/wellness checkups

Most doctor office visits are beneath a program’s ISA and therefore do not qualify for sharing. However, if the doctor’s office visit is in relation to an illness or injury that is eligible for sharing, the doctor’s bill is included in the “case” and eligible to be shared on both the Standard and Complete programs, after the ISA is met. If the bill is beneath your memberships program’s ISA, you pay the bill as “self-pay” and send AHS the receipt if the visit is part of an eligible case.

Emergency Visits

If you have an emergency please utilize UrgentCare or other secondary emergency facilities. Members do not need AHS approval for Hospital ER visits but use discretion when contemplating whether a visit is necessary. If the ER visit results in a hospital stay or the ER bill is larger than your program’s ISA, do not pay the bill prior to consulting AHS. Present yourself as self-pay. Simply get the bill and forward it to us. It’s that simple.

For more information on pre-existing conditions, medical equipment, congenital conditions, maternity,  definitions, and terms view our Guidelines page.