Value Added Services

1. Preferred vendors - AMF has arrangements with multiple cost containment vendors to enable us to provide stop loss discounts resulting in savings to employers.

2. Plan design recommendations - AMF offers stop loss discounts for cost effective plan designs. For example, our "health coach" exclusive network program can significantly cut health plan costs.

3. AMF has a unique agreement with AMIHP to save employers up to 75% on elective surgery performed at joint commission accredited hospitals in Costa Rica and other countries. Plan participants can select U.S. board certified physicians to perform selected surgical procedures. Please visit amihplans.com for more details on this real solution to medical cost containment.

4. PPO recommendations - the AMF database of PPO's enable us to recommend geographic areas where certain PPO's have their greatest discounts. Better discounts allow AMF to be more competitive on stop loss rates and factors - a clear advantage, only through AMF.