About AccessHMO: Health Insurance & Medicare Guidance
AccessHMO helps individuals and families make informed decisions about health insurance in the United States and abroad.
We combine decades of U.S. and European experience with personalized guidance on Cigna Global international health insurance, Medicare, and existing health coverage. Our goal is to help clients understand their options, identify potential savings, and prepare for healthcare wherever they live.
Our Health Insurance Story
Our leadership began working in individual and employer-sponsored health insurance in New York and Florida in 1989.
In 2001, our international work expanded to Prague, helping address the health insurance needs of foreign residents in the Czech Republic. This included pioneering work on private health insurance solutions in cooperation with VZP.
Today, that experience informs our approach to helping people navigate different healthcare systems and make practical insurance decisions.”
Personal Guidance on Cigna Global Health Insurance
We help clients understand Cigna Global benefits, deductibles, geographical coverage, and available options, with support throughout the application process.
Our advice takes account of insurance you already have—including U.S. employer coverage, Medicare, European public and private health insurance, or another international policy. We help you consider potential gaps, overlapping benefits, and opportunities to manage costs.”
U.S. and European Experience
AccessHMO LLC is headquartered in Miami, Florida. Our European sister company, Hamilton Hudson s.r.o., brings experience serving international clients in the Czech Republic and Portugal.
Our work combines U.S. health insurance knowledge with practical experience of healthcare abroad, helping clients who live, work, or retire across borders.
Find a Doctor by country
Our country-specific guides bring together practical information about hospitals, clinics, and doctors to help you seek healthcare abroad. These resources complement Cigna’s own information and help you explore local medical facilities.
We also help you understand what to confirm before treatment, including coverage, preauthorization, and direct billing
Medicare Guidance and Advocacy
We help Medicare-eligible Americans consider their U.S. coverage alongside international health insurance.
Our work also includes advocating for expanded access to Medicare benefits abroad and following legislative proposals that matter to Americans living outside the United States.
Our Health Insurance Story
Health insurance is one part of preparing for your financial future. Planning for ongoing healthcare expenses, retirement income, and your family’s financial protection matters too.
Through AnnuityFutures.com, we help clients explore how annuities may support retirement income planning, including income intended to help meet future health insurance costs.
Our LifeInsuranceAbroad.com website introduces life insurance options from Lincoln Financial and Transamerica, with guidance on product availability and eligibility for your circumstances.
Speak with AccessHMO
Whether you are exploring Cigna Global health insurance, reviewing existing coverage, or considering Medicare alongside healthcare abroad, contact us to discuss your needs.
Portugal: +351 217 527 016
Czech Republic: +420 222 254 442
U.S. / International: +1 305-564-7148
U.S. toll-free: +1 877-238-4581