Are Accident Plan Rates Paid Every Month?

NO! Accident only rates are one-time charges for the entire school year.

Does This Plan Cover Sickness?

This plan does not cover sickness.

If I Have Other Insurance, Why Do I Need This Coverage?

Most other plans have deductibles and/or co-payments. Our plans can help with these out-of-pocket expenses.

If I Have Other Insurance, Which Plan Pays First?

Your primary insurance will pay first as our plan is full excess.

Can I Go To Any Medical Provider I Wish?

You may go to any doctor operating within the scope of his or her license.

Will This Plan Cover Deductibles?

Yes. Most insurance policies have deductibles and/or co-payments. Our plan can help with out-of-pocket expenses.

Do I Have To Pay The Bill On My First Doctors Visit?

The insurance company will be billed directly if the proper claim form is presented to the provider of service.

What Are The Procedures In Filing A Claim?

Obtain a claim form from your school office, the marketing agency or click here and answer all questions in detail (including signatures) on the front of the form. Attach all the bills to the completed form and mail to the address indicated below within 90 days of the Accident. Any bills not filed with the claim form should be sent within 90 days of the date of service to the Claims Office identified with student’s name, school district and date of Accident.

How Long Does It Take For A Claim To Be Processed?

If all appropriate paperwork has been submitted, it should take 2-4 weeks for the claim to be processed.

Where Do I Obtain A Claim Form?

Your school has a supply of claim forms. You may also click here to download the form or call us at 1-800-367-5830.

Whom Do I Call If I Have A Question Regarding My Claim?

Call us at 1-800-367-5830.

Can I Speak To Someone In Spanish When I Call Your Office?

Yes. Simply ask for a Spanish speaking account representative.

Am I Covered If I Play A Sport That Is School-sponsored After School Hours?

Yes. Anything that is school-sponsored and supervised is covered.

Does This Cover The Student During The Summer? (excluding 24 Hour Coverage)

Only school-sponsored and supervised activities are covered. If you wish to purchase a plan that provides for 24 hour coverage, click here to download a form or call us at 1-800-367-5830

Are Field Trips Covered?

Yes. All school-sponsored and supervised one-day and extended overnight trips are covered.

Must-Know Terms

In order to make an informed decision, it’s important to understand what you are being offered in exchange for your monthly premium. Before we examine your options in detail, take a moment to familiarize yourself with the basic terminology all insurers use:

  1. Premium: What you pay, usually monthly, for your insurance plan. This is a bill and is unrelated to other out-of-pocket expenses you are expected to pay.
  2. Deductible: A fixed amount that you are expected to pay in the earliest part of your policy year. After you meet the deductible, your insurance plan covers all or part of our expenses until year’s end.
  3. Coinsurance: The percentage of costs you pay after your deductible is met. Generally this is a percentage split by you and your insurance provider; 80/20 splits are common and mean that you are responsible for 20% of costs after the deductible.
  4. Co-pay: Often confused with coinsurance, a co-pay is a fixed amount that you agree to pay toward specified expenses. A common example of a co-pay is a small flat fee you pay each time you visit a doctor or emergency room.
  5. Network: A group of providers that contractually partner with your insurance carrier. Your insurance plan will incentivize you to choose from this network by charging you less for treatment by these providers.
  6. Preventive Care: Formerly not a provision you’d find in student health care plans, preventive care refers to the treatment of illness before it starts. Vaccinations, certain screening exams and annual checkups all fall under preventive care.