Accident Medical Expense(AME) Benefit
An Association membership may provide members with access to supplemental Group Accident Only Insurance benefits. Having supplemental insurance can help in the event of an unexpected accident.
The Accident Medical Expense benefit pays up to the Maximum Amount, after the Deductible, for medical charges resulting from a Covered Accident. The first treatment or service must occur within 60 days of the Covered Accident and all subsequent treatments must be incurred within 12 months of the Covered Accident. We have three Coverage Amounts below each available in a specific membership level that includes this benefit.
| Maximum Amount per covered Accident | $10,000 | $5,000 | $2,500 |
|---|---|---|---|
| Deductible per Covered Accident | $100 | $100 | $100 |
| Initial Treatment Period | 60 Days | 60 Days | 60 Days |
| Benefit Period | 12 Months | 12 Months | 12 Months |
Covered Charges
| Treatment, services or supplies incurred for: | Maximum Amount $10,000 | Maximum Amount $5,000 | Maximum Amount $2,500 |
|---|---|---|---|
| Hospital room and board, and general nursing care. | Up to Policy Limits | Up to Policy Limits | Up to Policy Limits |
| Hospital miscellaneous expense. | Up to Policy Limits | Up to Policy Limits | Up to Policy Limits |
| Doctor's fees for surgery. | Up to Policy Limits | Up to Policy Limits | Up to Policy Limits |
| Anesthesia services. | Up to Policy Limits | Up to Policy Limits | Up to Policy Limits |
| Doctor's visits, inpatient and outpatient. | $75.00 | $75.00 | $75.00 |
| Hospital Emergency care includes all items of expense. | $500.00 | $500.00 | $500.00 |
| Ambulance expense. | $250.00 | $250.00 | $250.00 |
| X-ray and other diagnostic tests. | $250.00 | $250.00 | $250.00 |
| Durable Medical Equipment. | $100.00 | $100.00 | $100.00 |
| Prescription Drugs. | $500.00 | $500.00 | $500.00 |
| Dental treatment for injury to Sound Natural Teeth. | $250.00 per tooth up to a maximum of $500.00 | $250.00 per tooth up to a maximum of $500.00 | $250.00 per tooth up to a maximum of $500.00 |
| Physical Therapy. | $60.00 for first visit; $30.00 for each visit thereafter | $60.00 for first visit; $30.00 for each visit thereafter | $60.00 for first visit; $30.00 for each visit thereafter |
| Registered Nurse expense. | Up to Policy Limits | Up to Policy Limits | Up to Policy Limits |
After the Deductible has been satisfied, This benefit will pay the Benefit Percent of incurred Covered Charges which are in excess of the total benefits payable for the same injury by any Other insurance coverage you may have. A maximum of the amount listed on your Certificate if you are injured in a Covered Accident. Subject to a $100 deductible.
You will receive up to the maximum amount for medical charges due to an accident for a covered injury. Covered charges include Hospital Room and Board, General Nursing Care, Doctor Fees for Surgery, Anesthesia services and more.
There is a $100 deductible per covered accident. (The Accident Medical Expense Benefit does not pay for re injury or complications of an injury caused or contributed to by a condition that existed before the Accident.)
Accident insurance benefits help you prepare for the unexpected and provide an affordable way for individuals and families to be protected from the extra expenses that can come due to an accident. Having access to benefits and resources to assist with unforeseen expenses can help ease the burden; and this is where Accident insurance benefits can help.
Key advantages include:
- Minimize out-of-pocket health care expenses specifically related to a covered accident
- Provide cash benefits towards medical services related to a covered accident after a $100 deductible
- Protect finances while dealing with covered accidents (on specific memberships ONLY)
- Provide just the right amount of benefits at an affordable price
Eligible Persons:
NCBA Members who are under the age of 65 and are enrolled at a specific membership level that includes this benefit.
Not available in all States
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