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American Community Introduces Community Flex(TM) Health Plan for Individuals and Families in 11 States

Wednesday, December 3, 2008 General News J E 4
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LIVONIA, Mich., Dec. 3 American Community Mutual InsuranceCompany understands that today's consumers are looking for affordable healthinsurance options. To meet that need, American Community has introducedCommunity Flex(TM), a new PPO health product designed to help hold downmedical expenses. The new health plan for individuals and families, which willbe sold through independent agents, will be available January 1, 2009 in 11states, including three new markets for American Community: Arkansas, Oklahomaand Tennessee.

Community Flex offers three plan designs--Flex 100, Flex 80 and Flex 60--to give consumers multiple options for deductibles and benefit percentages. Asan added benefit, the premium rate is guaranteed for the first 24 months ofcoverage when a deductible of $5,000 or higher is selected. For networkdeductibles of $500 - $3,500, the premium rate is guaranteed for the first 12months of coverage.

"Community Flex gives consumers the flexibility to build a health planthat's tailored for them," said Michael E. Tobin, President and CEO. "Unlikeother plans that force people to pay for coverage that they may never need,Community Flex gets back to the basics to provide both value and choice."

Policyholders have access to leading PPO (preferred provider) networksoffering high-quality hospitals, primary care physicians and specialists inArkansas, Illinois, Iowa, Michigan, Missouri, Nebraska, Ohio, Oklahoma,Tennessee, Texas and Wisconsin.

Community Flex also includes these valuable benefits and services for allplan designs:

About American Community

With beginnings dating back to 1938, American Community Mutual InsuranceCompany is one of the oldest health insurance companies in the nation. Basedin Livonia, Michigan, American Community is currently licensed in 41 states.The company markets individual and group health insurance products in 13states through an agency force of 14,000. For more information, visitwww.american-community.com.-- $5 million lifetime policy maximum -- Family accident benefit -- Family accidental death & dismemberment coverage -- Option to upgrade to the Gold Benefits package for richer benefits on covered services. -- Value discount drug card -- Vision Benefits*

SOURCE American Community Mutual Insurance Company
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