ACEP Information
Health Plans for American College of Emergency Physicians
ACEP members can save thousands of dollars on health care. Our plans, available in 50 states, are specifically designed for ACEP members.
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Major Medical Health Plan
We provide access to an exclusive program that extends the benefits and rates typically reserved for larger groups to individual doctors.
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Affordable Options
We offer multiple plan options to suit various budgets, ensuring you find the perfect fit for your needs. Our unique plans leverage the economies of scale of large groups to secure lower rates for participants.
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Nationwide Networks
All our plans are backed by the Cigna nationwide provider network, so it’s easy to find an in-network provider and hospital no matter where you are. Click here to look up providers.”
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Comprehensive Care
ACEP Health plans include $0 preventive and telemedicine care along with coordinated care and disease management for any chronic conditions.
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Personal Service
Our team will work with you to make sure your health care plan is the best fit for your needs. After you enroll, we’ll still be available to answer any claims questions you may have in the future.
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Medicare Add-ons
Are you turning 65 soon? If you’re looking for an affordable, guarantee issue option to supplement traditional Medicare, we’re here to help.
Coverage Options for Members
Getting coverage for individuals can be challenging. ACEP is proud to offer eight affordable plan options for members.
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1000 Classic
Deductible Amount
$1,000 Single
$2,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$5,000 Single
$10,000 Family
Plan Details -
1500 Classic
Deductible Amount
$1,500 Single
$3,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$7,350 Single
$14,700 Family
Plan Details -
2500 Classic
Deductible Amount
$2,500 Single
$5,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$7,350 Single
$14,700 Family
Plan Details -
3500 Classic
Deductible Amount
$3,500 Single
$7,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$7,350 Single
$14,700 Family
Plan Details
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5000 Classic
Deductible Amount
$5,000 Single
$10,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$7,350 Single
$14,700 Family
Plan Details -
7350 Value
Deductible Amount
$7,350 Single
$14,700 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$7,350 Single
$14,700 Family
Plan Details -
3500 HSA
Deductible Amount
$3,500 Single
$7,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$6,550 Single
$13,100 Family
Plan Details -
5000 HSA
Deductible Amount
$5,000 Single
$10,000 Family
Preventative Care
100% Coverage
Max Out-of-Pocket
$6,550 Single
$13,100 Family
Plan Details
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ACEP Member Rates for August 1st 2024
Please note that the rates listed below are monthly and apply universally across all states.
| Plan Type | $1,000 Classic | $1,500 Classic | $2,500 Classic | $3,500 Classic |
| Network | Cigna | Cigna | Cigna | Cigna |
| Member Only | $866.76 | $811.36 | $759.59 | $711.21 |
| Member+Spouse | $1,690.74 | $1,581.44 | $1,479.29 | $1,383.82 |
| Member+Child(ren) | $1,525.94 | $1,427.43 | $1,335.35 | $1,249.30 |
| Member+Family | $2,514.74 | $2,351.53 | $2,199.00 | $2,056.45 |
| Plan Type | $5,000 Classic | $7,350 Value | $3,500 HSA | $5,000 HSA |
| Network | Cigna | Cigna | Cigna | Cigna |
| Member Only | $665.99 | $578.03 | $635.23 | $605.93 |
| Member+Spouse | $1,294.60 | $1,121.05 | $1,233.91 | $1,176.10 |
| Member+Child(ren) | $1,168.88 | $1,012.44 | $1,114.17 | $1,062.07 |
| Member+Family | $1,923.22 | $1,664.08 | $1,832.60 | $1,746.28 |
Connect With Our Health Team
We know health coverage can be confusing. That’s why we’ve partnered with Insurance Solutions USA to make sure you have the personal service you deserve. Our combined team will be there for you every step of the way from helping you complete your application, getting your enrollment finalized, making sure you have your ID cards and serving as a claims advocate if needed.
Get Started
FAQs
- Why is the association offering this? We are always seeking to improve our member benefits. We saw an opportunity to offer our membership a quality healthcare solution built EXCLUSIVELY for members.
- Who is eligible? Members in good standing may join the Health Plan. The benefits are offered to you and your dependents.
- What are the benefits? This health insurance program was built EXCLUSIVELY for members and offers you and your dependents quality healthcare with affordable monthly premiums, discounted group rates, and long-term rate stability
- What is the process? How does this work? All enrolling members will submit a PHQ (Personal Health Questionnaire). The PHQ’s are collected through a secure portal and dropped into a HIPAA compliant database. The PHQ is a summary of your health history. Utilizing the combined history of ACEP’s population, customized rates can be formulated.
- When is the enrollment period? Members can enroll in a plan any month of the year.
- Can I keep my doctor? We want you to be happy with your coverage and we want you to have the peace of mind that you can see the providers and facilities you need. ACEP health plans utilize the Cigna PPO network to provide the greatest access to providers and facilities nationwide. Click here to search providers and facilities in your area.
- Can I continue the treatment plan that has been authorized by my current carrier? When switching to a new health plan, you must go through the authorization procedures of the new plan. Through a partnership with My Advocate Pro, the Health Plan has a team of highly trained consumer advocates ready to assist with the process.
- Why is the ACEP program often less expensive than other’s I’ve looked at? ACEP leveraged the power of our association membership network to negotiate the best rates possible for our members.
- How are my rates determined? Because you complete a PHQ (Personal Health Questionnaire), rates are based on the age, gender, and health of the members in the ACEP group plan.
- How do I apply? Click the “Get Started” button above to get started. The portal will walk through the application process including a PHQ (Personal Health Questionnaire).
- Can members utilize their local broker to obtain this coverage? That is not an available option.
- When does my effective date start?
- Applications submitted before 5 pm Pacific / 8 pm Eastern on the 15th of the month will have an effective date of the 1st of the upcoming month. (e.g., If you apply on July 10, your application will be processed for an August 1 effective date.)
- Applications submitted after 5 pm Pacific / 8 pm Eastern on the 15th of the month will have an effective date of the 1st of the following month. (e.g., If you apply on July 16, your application will be processed for a September 1 effective date.)