How to configure 3 access levels with each 3 payment plans.

I'd like to have 3 access levels with each 3 payment plans (month, 1/2 year, year). This is a very basic configuration but I have problems achieving this. Looks like it's only possible to have some sort of staging in these subscriptions (payment plans in my case). Only solution I can come up with is create a access level per payment plan.