Terms and Conditions

  1. Introduction Welcome to the website of American Plan Administrators. By accessing or using our website, you agree to comply with and be bound by the following terms and conditions. Please read these terms carefully before using our website.

  2. Use of Website By accessing this website, you agree to use it for lawful purposes only and in a manner consistent with all applicable laws and regulations. You agree not to use this website in any way that may cause damage to the website or impair the availability or accessibility of the website.

  3. Intellectual Property Rights All content included on this website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of American Plan Administrators or its content suppliers and is protected by United States and international copyright laws.

  4. Links to Third-party Websites This website may contain links to third-party websites that are not owned or controlled by American Plan Administrators. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that American Plan Administrators shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites.

  5. Limitation of Liability In no event shall American Plan Administrators, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the website; (ii) any conduct or content of any third-party on the website; (iii) any content obtained from the website; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

  6. Indemnification You agree to indemnify and hold American Plan Administrators, its affiliates, officers, directors, employees, agents, and partners harmless from and against any and all claims, liabilities, damages (actual and consequential), losses, and expenses (including attorneys’ fees) arising from or in any way related to your use of the website or breach of these Terms and Conditions.

  7. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the State of [Your State], without regard to its conflict of law provisions.

Privacy Policy

American Plan Administrators respects your privacy and is committed to ensuring that any personal or confidential information that is collected is kept accurate and secure from unauthorized access. The homepage, and any related browsers linking to this page, does not collect personal information about visitors. We may, however, use third party analytic services that may use browser cookies to collect and track site usage information.

  1. Information Collection and Use American Plan Administrators may collect personal information from users in a variety of ways, including, but not limited to, when users visit our website, register on the website, fill out a form, and in connection with other activities, services, features, or resources we make available on our website.

  2. Security We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data stored on our website.

  3. Changes to this Privacy Policy American Plan Administrators has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect.

  4. Your Acceptance of these Terms By using this website, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our website. Your continued use of the website following the posting of changes to this policy will be deemed your acceptance of those changes.


Transparency in Coverage

In compliance with The Transparency in Coverage Rule, issued in 2020, effective beginning July 1, 2022, health plans must publish Machine-Readable Files (MRFs) containing In-Network and Out-Of-Network details. We are pleased to provide the following information to participants.

The links below provided by each carrier will lead you to the MRFs that are made available in response to the federal Transparency in Coverage Rule. The MRFs are formatted to allow participants, researchers, regulators, and application developers to easily access and analyze data. 

  • If you are enrolled in a CIGNA medical plan, click here.
  • If you are enrolled in a MAGNACARE medical plan, click here 
  • If you are enrolled in THE ALLIANCE medical plan, click here
  • If you are enrolled in a PRIME HEALTH medical plan click here
  • If you are enrolled in a PHCS PPO plan, click here
  • If you are enrolled in a PHCS Practitioner & Ancillary medical plan, click here
  • If you are enrolled in a HEALTH SMART medical plan, click here (Coming Soon)

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