Frequently Asked Questions
When and where will my student be covered by this insurance?
The choice is yours! This insurance offering describes several enrollment options designed to fit your individual needs. Please review the information, especially the coverage descriptions, before making your selections.
Why is the school participating in this offering?
Students are particularly susceptible to accidental injury. Your school district does not carry insurance to pay for X-rays, stitches, ambulances, etc.
What kind of insurance is this?
This is supplemental accidental bodily injury insurance; it covers accidental bodily injury occurring while the coverage is in force. Illnesses such as measles, sore throats, etc., are not covered.
Who should consider buying this insurance?
1. All families with no health insurance. (If you have no insurance, we will be your primary carrier.)
2. Families with policies having deductibles or co-pays.
a.) Most family health insurance plans contain a deductible or co-pay provision (often 80%-20%) and we will apply our benefits to the 20% and/or to the deductible.
b.) The larger the deductible or co-pay percentage, the more you can benefit. There is no deductible in our basic plan.
How does the major expense option work?
If your student incurs a major injury costing you thousands of dollars, the Major Expense option allows us to continue to help with medical payments if any of our basic benefits are exhausted. After the maximum benefit has been paid under the FULL-TIME COVERAGE or ALL SPORTS COVERAGE (if purchased), and the non-covered expenses exceed $3,500, the Company will then pay 70% of the remaining Usual and Customary Charges up to a maximum of $15,000 per injury. The Exclusions apply to this benefit.
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