F.A.Q’s

Am I required to own medical insurance in order to have the accident plan?
No Since this plan is especially designed to cover accidental injury only. However, we strongly recommend that you have other coverage, but it is not required.

Are the Accident Medical Expense benefits paid directly to me or to the medical provider?
You choose, benefits can be paid directly to you or you can assign the benefits to your medical provider.

When do my benefits become effective?
If your member enrollment form is received by the 20th, your benefits begin the first of the following month.

Who is covered?
If you join as a single, you are the only person covered for the accident insurance benefits. If you choose member plus 1, you and one child are covered, if you select family membership, you, your spouse and your children under age 26 who are dependent on you for support and maintenance, or, your children who are dependent on you for support and maintenance because they are incapable of self-sustaining employment by reason of mental or physical handicap. For exact details and definitions, please review your insurance certificate. Regardless of your selection, all immediate family members are eligible to use the “Special Benefits” included in this program.

If I have an accident am I required to go to a particular medical network or doctor?
You have total freedom of choice to go to any medical provider, there are no network requirements.

Does the accident plan pay benefits only if I go to a hospital?
No. Treatment can be provided under the direction of a physician at an urgent care facility, emergency room, hospital or doctors office.

Who is the insurance company offering the accident plan?
Guarantee Trust Life Insurance Company, they began operation 74 years ago in 1936.

What are my payment options?
Monthly bank draft or direct bill semi-annual or annual.

When will my checking account be drafted?
The draft will take place on the 5th or 20th of each month, you choose the date at time of application.

Who do I call for billing questions?
Contact our member services plan administrator at 1-888-424-4186

Who do I call for claims questions?
Contact our member services plan administrator at 1-888-424-4186

How do I file a claim for the accident benefits?
Contact our member services department to request a claim form by calling 1-888-424-4186. Keep all your bills and receipts. You will need a completed claim form along with copies of the medical bills to submit for payment.

What are the limitations and exclusions of the Accident Medical Insurance?
To view the Limitations and Exclusions click here.

Who is the American Advantage Association?
To learn more about the Association click here.

Regarding the “Special Benefits” – is there a limit to the number of times they can be used?
You and your immediate family are all eligible to use these benefits as often as you like. No limits.