Highlights of the program features are listed below. Click, the "Details" button for additional information on the benefits, including exclusions and limitations. Click here to download the pdf brochure.
Coverage for accidental injuries that require medically necessary care.
Excess Medical Accident Expense: Up to $7,500 This benefit provides up to $7,500, less a $100 deductible per incident, for covered expenses resulting from an accident injury, to the extent that the expenses are not covered under certain existing insurance that a member may have. Whether at work or at play, members can use this benefit for expenses that include: emergency ambulance service, hospital, doctors' treatment, x-ray and lab, drugs, nursing care, physical therapy, and more. Must file claim with all other carriers first.
Accidental Death & Dismemberment: Up to $3,500 Pays the beneficiary up to the benefit amount listed for the member’s death or loss of certain body parts in a covered accident.
Daily Hospital Indemnity Benefit: Up to $7,500 Provides a $250 in-hospital daily benefit when admitted due to a covered accident. This benefit begins after a hospital stay of 7 days and is payable for a maximum of 30 days, up to a maximum of $7,500 per injury.
Accident Disability: $50 Pays you a weekly benefit for total disability resulting from a covered accident. Benefits are payable for up to 26 weeks and are subject to a 14 day waiting period.
This insurance benefit is underwritten by Guarantee Trust Life Insurance Company, an IL domiciled life insurance company with main offices located at 1275 Milwaukee Ave, Glenview, IL 60025. Licensed in all states except NY. Not available in AK, MN, MD, ME, MT, NH and NY. Coverage is not available to members over age 69. Guarantee Trust Life Insurance Company (GTL) provides the Accident Medical Coverage and the Accidental Death and Dismemberment coverage. GTL does not provide nor is it affiliated with any of the other programs provided as a part of the membership in USA+
24 Hours a Day, 365 Days a Year, Worlwide Accident Protection; Paid in Addition to Other Insurance; Covers Accidents in the Course of Business or Pleasure, on or off the job.
You receive the following benefits: 24 Hours a Day, 365 Days a Year, Worldwide Accident Protection; Paid in Addition to Other Insurance; Covers Accidents in the Course of Business or Pleasure, on or off the job.
Member - $10,000 Spouse - $5,000 Child - $2,500
Reduction in Principal Sum for ages 70 and up. This insurance benefit is underwritten by National Union Fire Insurance Company of Pittsburgh, PA. Certain terms and conditions apply and benefits are subject to the Limitations and Exclusions of the Policy. See the Certificate of Insurance for the details.
USA+ members can now access a special network “Surgical Trip” and receive significant savings on major surgeries at select Accredited Hospitals.
How you benefit The Surgical Trip network provides you with world class hospitals, clinics and expert surgeons who offer affordable “fixed” prices, typically 40% to 90% less than in the US. Now, you can have peace of mind knowing that you can receive top quality care for major surgeries at affordable prices.
What does Surgical Trip offer? • Internationally Accredited Hospitals • Bilingual Professional Counselors • Coordination of All Services among Employee, Provider, Physician & Insurer • Board Certified Surgeons • HIPAA Privacy Protection • Full Concierge & Facilitation of Services
The Surgical Trip covers a wide variety of surgical procedures, including: • Orthopedic • Bariatric Surgery • General Surgeries • Heart • Gynecology• Spine • Urology
Medical providers procedures are available in these locations: • Costa Rica • Korea • Taiwan • Germany • Mexico • Turkey • Jordan • Singapore • United States
What is the quality of care available overseas? The Quality of Care available overseas is extremely high. All the hospitals in Surgical Trip’s network are Joint Commission International (the international arm of the organization that accredits US hospitals) accredited or are U.S. or European trained. Here you will have access to personalized attention and services that you will seldom find at most U.S. hospitals.
What is the medical equipment/technology like overseas? Is it comparable to the US? The medical equipment and technology at Surgical Trip’s hospitals are often better and more advanced than the average American hospital. Overseas hospitals, and in many cases governments, have worked hard to provide foreign patients with world-class facilities, top medical staff and cutting-edge technology.
How to use your benefit 1. Contact your Surgical Trip Support Team: • Call us toll free at 1-800-513-8996 and speak to our Surgical Trip Support team or click here.to view benefits (You can also send an email to info@surgicaltrip.com)p>
2. A Surgical Trip Support Representative will respond with; • A step by step guide to the Surgical Trip process • A typical price range for your requested procedure (along with a comparison of the price you might pay in the U.S.) • Important facts about your requested medical procedure • Information and credentials of our recommended overseas hospitals and physicians • Typical length of stay for your procedure • A medical questionnaire for you to fill out and return • Destination information
Coverage for prescription drugs purchased on a retail or mail order basis.
Retail Services • $15 co-pay for covered outpatient generic drugs when prescriptions are filled at participating pharmacies.* • $100 Annual deductible per family member. • $4,000 Annual Maximum. • Co-pay applies to each 30 day supply. • Over 58,000 Participating Pharmacies. • Up to 25% off brand medications.
CHECK DRUG PRICING
Mail Services • $45 co-pay for covered outpatient generic drugs when filled through our mail order service, maximum supply of 90 days.* • Purchases are applied toward the annual deductible and annual maximum. • Order long term medications through APS and save 5% to 50% off the regular retail price.
This benefit is provided to USA+ Members by a group policy issued to USAHC by Companion Life Insurance Company. All benefits provided by this insurance are subject to the terms, definitions, conditions, exclusions and limitations of the group policy. A brief list of exclusions includes the following: injectables, experimental drugs, vitamins, infertility, cosmetic drugs and brand name drugs. Please contact the Association at 1-800-872-1187 for a complete list of exclusions and limitations. Coverage becomes effective on the date provided in your membership materials. BRAND* PURCHASES CANNOT BE APPLIED TO THE DEDUCTIBLE. THIS BENEFIT IS NOT AVAILABLE IN CA, CT, HI, ME, MN, NY AND NJ.
Do you have outstanding medical bills? HealthCare Mediation can help!
HealthCare Mediation provides you with the assistance you need to pay off your medical bills. HealthCare Mediation has a team of very experienced medical bill negotiation professionals. They have the skills and resources to motivate your medical service providers to significantly reduce payments for past procedures. You will receive reductions on medical bills without having an adverse affect on your credit.
The negotiation professionals have insider knowledge of medical billing practices combined with backgrounds in insurance and managed care to ensure you have the highest level of experience working for you.
Features of the Service Include: • If savings are not received, there is no charge for the service • You can receive savings from 20% to 80% on your medical bills • Once the provider signs the final payment agreement, the case is then considered complete • Allows for you to maintain the relationship between you and the provider for future visits • They will work directly with collection companies • Patient Advocates working on your behalf • You may contact HealthCare Mediation before you seek service or after you have been treated
Our Benefits Protector Program helps cushion the impact of economic downturns.
How you Benefit Many individuals lose their job due to a company re-location, company downsizing or as the result of natural disasters. For most individuals, loss of employment also means a monetary loss.
The Benefits Protector program helps cushion the impact of economic downturns that occur. Should you lose your job through no fault of your own, we will be there for you. Your membership dues will be waived and your membership benefits will continue for three (3) months. (Certain Terms and Conditions Apply. Please refer to your Membership Handbook for complete details.)
How to Use Your Benefit 1. Notify USA+ within 20 days of the loss of employment. Notice must be submitted to USA+ at the following address:
P O Box 200905 Arlington, Texas 76006-0905
2. Upon receipt of your written request, USA+ will send you a Benefits Requests application to complete and return to USA+.
3. When the completed form is received, USA+ will contact your former employer and validate the reason for separation.
4. If the employer confirms that the loss of employment was not the result of misconduct connected with your work and you did not voluntarily quit, you will receive a letter from USA+ confirming the continuation of your USA+ membership.
5. If the employer is not able to confirm your loss of employment, you will receive a letter from USA+ stating that we are unable to continue your USA+ membership.
An annual Comprehensive Wellness Exam (CWP™), at no charge!
A simple inexpensive blood test could save your life. Serious Medical Conditions such as heart disease, prostate cancer, diabetes, thyroid disease, and more, can go undetected for up to two years - without noticeable symptoms.
The earlier a problem is detected, the easier and more likely it is to be treatable. A Comprehensive Wellness Exam (CWP™), which includes a Complete Blood Count, Liver Profile, Kidney Panel, Thyroid Panel, Lipid Profile, Bone and Minerals, Fluids & Electrolytes and Diabetes, costs over $500. DirectLabs provides direct access to major clinical labs across the USA for these important blood tests one time annually at no charge for each enrolled member and the member’s spouse, if enrolled.
New York residents: a kit will be sent to you with location choices for blood draw, instructions for the phlebotomist on handling the specimen, and an overnight package. Extra fees apply
This benefit is NOT available in New Jersey or Rhode Island.
Comprehensive Wellness Exam (CWP™) with 50+ results includes CBC's, lipids, kidney, liver, glucose, electrolytes, bones, minerals, and more.
This benefit is not available until the 61st day following effective date.
Save time and money spent in a physician's office by engaging in a telephone consultation with a nurse and a physician at no charge.
This benefit will save you time and money that might otherwise have been spent in a physician's waiting room or office. With this service, you can use a toll-free number that connects you with a nurse and ultimately with a physician, who will discuss symptoms with you and where allowed by law, may write a prescription for non-narcotic or non controlled medications at any time day or night.
Click here to download the CallMD Medical History Application.
Speak with a caring staff of registered nurses toll-free, 24 hours a day, 7 days a week at no charge.
As a USA+ member, receive easy access to a team of registered nurses, 24 hours a day - at no additional cost.
This toll free access provides a valuable resource that can help you make decisions when faced with health related challenges.
How it works: Call the toll free number at 1-866-850-6215 for immediate access to a registered nurse who can address your concerns. Refer to your member's handbook for additional information in accessing the Audio Library. You may also access additional information through the Health Forums site Audio messages and interactive internet forums give you additional access to a wealth of reliable health and well-being information. www.healthforums.com
Listening to Audio Messages - Optum gives you another convenient way to access health information. Simply call the same toll-free number to listen to the Health Information Library's recorded messages on a wide variety of health and well-being issues. A sample of the more than 1,100 topics is available. Ask a Optum nurse about additional topics.
A high level second opinion to confirm diagnosis and treatment from one of 50,000 of the leading medical specialists in over 400 subspecialties of medicine at no charge.
You and your doctor have access to the medical guidance of over 50,000 of the leading medical specialists in over 400 subspecialties of medicine. This benefit provides you with the following services:
InterConsultation™ — a high level second opinion, to confirm diagnosis and treatment. FindBestDoc™ — assistance in locating doctors in your area that have been identified as ‘best’ by their peers to treat specific medical conditions. FindBestCare® — arranging access to hospitals and treatment.
InterConsultation™ — a high level second opinion, to confirm diagnosis and treatment.
FindBestDoc™ — assistance in locating doctors in your area that have been identified as ‘best’ by their peers to treat specific medical conditions.
FindBestCare® — arranging access to hospitals and treatment.
Best Doctors, Information when it matters most, the Best Doctors Logo, FindBestDoc, Interconsultation, and FindBestCare are trademarks or registered trademarks of Best Doctors, Inc. in the U.S. and other countries, and are used under license.
How it works: Simply call 1-888-362-8677 and a Best Doctors Personal Advocate will help you receive the information needed to get the right treatment the first time.
Internet tool provides quality ratings for hospitals and pricing for medical procedures.
The most comprehensive consumer health information tool available. With MyHealthCompass™, you'll have access to detailed information about healthcare providers, and be better equipped to make healthcare decisions. As a member of MyHealthCompass, you'll benefit from:
Login here to access your benefit
How it works:To obtain information and compare the performance of medical providers, go online and follow the prompts or should you have any questions, feel free to contact USA+ Member Services at 1-800-872-1187.
Internet comprehensive health resource that helps individuals nutrition, weight-loss, exercise and disease prevention goals.
My eWellness.com is a comprehensive health resource that helps individuals achieve their personal goals.
Click here to get started
Provides financial protection during the emotional time of a diagnosis of a life threatening illness to help protect quality of life.
You can receive financial protection during the emotional time of a diagnosis of a life threatening illness, such as cancer, heart attack, kidney renal failure, major organ transplant or stroke. Critical illness insurance helps fill the financial gaps not covered by traditional health, disability, life and accident insurance. If a life-threatening illness occurs, our Critical Illness benefit pays the insured a $2,500 benefit to help protect his or her quality of life. (If family membership, covered spouse has 1/2 the benefits).
Coverage is not provided for loss due to a pre-existing condition for 12 months from the Covered Person's membership effective date. Coverage is not provided for members over the age of 69.
This benefit is provided to USA+ members by a group policy issued by an A.M. Best rated insurance company. Certain terms and conditions apply andbenefits are subject to the Exclusions and Limitations. See your Membership Handbook or Certificate of Coverage for the details.
Reimbursement for "Medically Necessary" or "Life Threatening" helicopter transportation from the scene of an accident to the nearest medical facility.
In the event that an eligible member suffers from a “certified injury” that requires emergency medical transportation by helicopter in accordance with EMS protocols, the program will reimburse the participant up to a maximum of $4,000.00 per occurrence. Reimbursement includes expenses incurred from the cost of “Medically Necessary” or “Life Threatening” helicopter transportation from the scene of an accident to the nearest medical facility capable of treating the injuries or from one medical facility to another medical facility. Claims for “Medically Necessary” transports from one medical facility to another medical facility are subject to review by Lifeguard’s Medical Officer.
Provisions include: • One benefit will be paid per occurrence. • Benefit in excess of all other valid collectable insurance. • Coverage is worldwide. • Transportation by helicopter only.
This benefit is provided to USA+ members by Lifeguard Emergency Travel, Inc. Certain terms and conditions apply and benefits are subject to the Exclusions and Limitations. See your Membership Handbook for the details.
Provides worldwide, 24 -hour hospital bed-to-hospital bed fixed wing air ambulance service at no charge.
This valuable benefit provides USA+ members a worldwide, 24-hour hospital bed-to-hospital bed fixed wing air ambulance service at no charge. It is designed for stabilized patients who cannot receive necessary medical care where they are presently admitted for treatment. All transfers must be evaluated and approved by CareFlite in advance, and determined by a Primary Medical Authority physician to be medically necessary. The transfer must be to a specialized hospital or medical center of higher care at least 100 air miles (one way) away. CareFlite will give consideration for a family member to accompany the patient on the flight based on the patient's conditions and room on the aircraft.
How it works: The attending physician will call the CareFlite phone number 1-800-526-7170 printed on the back of your USA+ card to initiate and confirm an air ambulance transfer. USA+ members may call USA+ Member Services at 1-800-872-1187 with their questions.
This benefit is provided to USA+ Members by a blanket group policy issued to USA/HC by an A.M. Best rated insurance company. Certain terms and conditions apply and benefits are subject to exclusions and limitations. See the USA+ Membership Handbook for more details. Transfers flown by any other air ambulance, unless arranged by CareFlite, will not be accepted for payment by USA+.
Dental coverage for basic and preventive services, based on a schedule of benefits, plus a Rewards Program that increases the annual coverage maximum each year.
You receive the following benefits: NO Deductible for Type 1 Preventive Services, $50 Deductible for Type 2 Basic Services, No more than 3 deductibles per calendar year, Maximum Benefit – $1,000 annually Per Family Member, Benefits Are Paid Based On Schedule of Eligible Expenses, No waiting period on preventive and basic services, Choose any dentist nationwide or select from one of nearly 65,000 provider access locations.
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Dental Rewards - Rewards insureds that care for their teeth and use only a portion of their annual maximum benefit in a year. With its increasing maximum feature, each insured member and dependent earns additional money toward his or her next year’s annual maximum.
To get the maximum carryover for the next year, you must meet the following requirements: 1) Visit your Dentist between Jan. 1st and Dec. 31st. 2) Submit claim for payment prior to April 1st of the next year. 3) Total benefits paid for current year visits must be less than $500.
• If you meet all 3 requirements you will have an additional $250 available in Annual Maximum for the next year. • In future years if you have benefits paid of less than $500, additional amounts of $250 will be added to the carryover. However, the most you can accumulate in the maximum carryover is $1,000. • Your annual maximum will be $2,000 in four years if you continue to visit the dentist once each year!
These benefits are provided to USA+ Members by a group Dental Expense policy issued to USA/HC by Ameritas Life Insurance Corp. Certain terms and conditions apply and benefits are subject to the Exclusions and Limitations. A complete description is contained in the Certificate of Coverage. Ameritas Group, a division of Ameritas Life Insurance Corp. a UNIFI Company, offers group dental and eye care products nationwide. Ameritas Group’s dental and eye care products (9000 Ed. 01-05) are issued by Ameritas Life.
Free eye exam once per year per family member from participating providers.
You receive the following benefits and more: Free eye exam once per year per family member from participating providers; 20% discount on lenses, frames, and other hardware; Up to a 25% discount on laser surgery; There are 32,000 VSP providers nationwide; There’s a VSP provider within ten miles of the homes of 90% of the United States population; Find a VSP provider near you at www.ameritasgroup.com
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Type: IndividualMonthly Price: $99Setup Fee: $60
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