American Community Mutual Insurance Company is expanding use of an unusual approach to designing health insurance policies.
American Community, Livonia, Mich., is introducing the Coverage on Demand preferred provider organization plan program in Michigan, Missouri and Ohio.
The program, similar to a program a company subsidiary has been selling in Texas, permits individuals and families to buy health insurance benefits with an annual maximum of $5,000, $15,000 or $30,000, or a $5 million lifetime maximum.