Access HMO

What products and services does AccessHMO provide?
We provide global medical concierge membership services to our clients and their family members, at no additional cost.



Find-a-Doctor is a unique and dedicated service, initiated to serve our rapidly growing clientele from North America and Europe, who made the bold and adventurous decision to relocate to Central America and the Caribbean and desire to maintain the quality level of healthcare they expect and are accustomed to.



Since our members are of all ages and nationalities, each with different individual needs, we provide 3 different health insurance plan designs or types, based on our 3 most successfully proven solutions:

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For short term or seasonal foreign residents, with a trip durations abroad of less than 90 days, we recommend and provide a choice of U.S. or European based Travel Insurance plans, depending on nationality and destination to expedite healthcare needs that require follow-up treatment at a letter date, back in the home country when necessary.

For long term and permanent foreign residents, we analyze and compare local public healthcare and health insurance programs available in the chosen destination to determine if all individuals’ healthcare needs are covered and to what extent. In most cases, our clients decide on purchasing a private AccessHMO annually renewable, major medical, health insurance plan to supplement or replace lesser benefits and services offered locally. Optional medical evacuation protection, in the event that better medical treatment can be provided in North America or in Europe is also available.​

For U.S. citizens over age 65, we offer a selection of cost effective Medicare Supplements and Medicare Advantage plans with Part D prescription drug coverage.

FAQ Frequently Asked Questions about healthcare access, affordable health insurance and Medicare alternatives in Central America and the Caribbean, medical evacuation and coverage back home, including the U.S., Canada or Europe.

We offer health insurance and Medicare solutions to U.S. and European citizens, residing in the U.S, Europe, Central America and the Carrinbean.​
Our visionary founders began their careers in New York and Florida in 1989 by offering individual and group health insurance.

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We have saved our clients millions of dollars, ever since, by offering high-deductible health insurance alternatives to combat ever-rising healthcare costs, while providing concierge access to the finest, board-certified physicians and all licensed hospitals worldwide.

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AccessHMO has enjoyed over three decades of privileged partnership with the highest rated pioneers in the travel, health and life insurance industries; Equitable, Travelers, First United American, and Guardian.

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In 1992, our leadership were promoted to Guardian’s executive committee where they paved the way for the transition to managed care by establishing the first privately managed, physician-based health maintenance organization in New York, in a partnership with the county medical society and the affiliated physicians and specialists of Mount Sinai Hospital.

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Our international roots go back to 2001, when our leadership was invited to Prague by the Czech Ministry of Health to find a solution to the needs of tens of thousands of foreigners or ‘Expats’, in need of access to hospitals and doctors, but were denied access to the national public health insurance system due to fears of adverse selection.

AccessHMO’s founder on ČTV