Premium Benefits.
$0 Net Cost.
Every enrolled employee gains access to a comprehensive suite of health, wellness, and financial protection benefits — without any reduction in their take-home pay. No health questions. Guaranteed coverage.
Everything Your Employees Need
The Americare PCMP benefit suite is designed to address the full spectrum of employee health and wellness needs — from routine dental care to critical illness protection.
Dental Coverage
Comprehensive dental benefits including preventive care, basic restorative services, and major dental work. No waiting periods for preventive care.
- Preventive cleanings (2x/year)
- X-rays and exams
- Fillings and extractions
- Crowns and bridges
- Orthodontia options
Vision Coverage
Full vision benefits including annual eye exams, eyeglass frames and lenses, and contact lens allowances.
- Annual eye exams
- Eyeglass frames allowance
- Prescription lenses
- Contact lens allowance
- LASIK discount program
Telemedicine ($0 Copay)
24/7 access to board-certified physicians via phone or video. No copay, no insurance required. Includes primary care, urgent care, and specialist consults.
- 24/7 physician access
- Video and phone visits
- $0 copay every visit
- Prescription delivery
- Specialist referrals
Mental Health Services
Comprehensive behavioral health support including therapy, counseling, and psychiatric services — all accessible digitally with no out-of-pocket cost.
- Licensed therapists
- Psychiatry and medication management
- Couples counseling
- Substance use support
- Crisis intervention
Prescription Savings
Deep discounts on generic and brand-name prescriptions at over 60,000 pharmacies nationwide, including major chains and independent pharmacies.
- Up to 80% off generics
- Brand-name discounts
- 60,000+ pharmacies
- Mail-order delivery
- Specialty medications
Virtual Primary Care
Ongoing relationship-based primary care with dedicated virtual providers who manage chronic conditions, preventive care, and care coordination.
- Dedicated care team
- Chronic disease management
- Preventive screenings
- Lab order management
- Care coordination
Critical Illness Coverage
Lump-sum cash benefit paid directly to employees upon diagnosis of a covered critical illness, providing financial security during recovery.
- Cancer coverage
- Heart attack & stroke
- Organ failure
- Lump-sum cash benefit
- No restrictions on use
Accident Coverage
Supplemental coverage that pays cash benefits directly to employees for injuries resulting from covered accidents, regardless of other insurance.
- Emergency room visits
- Hospitalization
- Fractures and dislocations
- Burns and lacerations
- Physical therapy
Life Insurance
Employer-sponsored term life insurance for enrolled employees, providing financial protection for their families with no medical underwriting required.
- No medical questions
- Guaranteed acceptance
- Portable coverage
- Beneficiary designation
- AD&D rider available
Weight & Wellness Programs
Structured wellness programs addressing weight management, nutrition coaching, fitness, and chronic disease prevention.
- Nutrition coaching
- Weight management programs
- Fitness app access
- Wellness challenges
- Health risk assessments
Chronic Disease Support
Dedicated care management for employees managing diabetes, hypertension, heart disease, and other chronic conditions.
- Diabetes management
- Hypertension monitoring
- Cardiovascular support
- Medication adherence
- Remote patient monitoring
Employee Assistance Program
Confidential support services for personal and professional challenges including financial counseling, legal assistance, and work-life balance resources.
- Financial counseling
- Legal consultations
- Childcare resources
- Elder care support
- Work-life balance coaching
Why Employees Choose to Enroll
When employees understand what the PCMP offers, they choose to enroll at a rate of over 92%. The reason is simple: they receive a comprehensive suite of health and wellness benefits without any reduction in their take-home pay.
Give Your Team the Benefits They Deserve
Premium benefits at $0 net cost — for your business and your employees. Find out if you qualify today.
Calculate Your Savings