Accident Medical Expense InsuranceKeep your hard earned money in the bank where it belongs… Let us help pay the bills when the unexpected happens!This Accident Medical Expense Plan pays for covered expenses:
- Emergency Room treatment
- Doctor expenses
- Hospital admission and confinement
- Intensive Care
- In and Outpatient surgery
- Minor: performed in a clinic, doctor’s office or emergency care facility
- Major: performed in a hospital operating room
- Ambulance/Transportation
- Medical appliances
- X-Ray, CT and MRI Imaging
- And more…
Accidental Death and Dismemberment Insurance
Protect your family and all you’ve worked for!
An accident or serious injury can leave your family with a great financial burden. Protect yourself and your family with Accidental Death and Dismemberment Insurance or our Accident Insurance.
With affordable Accidental Death and Dismemberment Insurance, you’ll help protect your family’s future, with coverage that applies to traveling, commuting, workplace accidents, being at home, and during many other situations. Coverage applies to limb loss and blindness as well as accidental death. Coverage can be used for funeral and burial expenses, mortgages, other debt, and living expenses.
Accident Insurance Plan Options
The plan elected will determine the benefit amount applied. Plan options include:
Plan 1 – Up to $2,500 per Covered Accident; $100 deductible applies per covered accident Includes $2,500 Accidental Death & Dismemberment Principal Amount
Plan 2 – Up to $5,000 per Covered Accident; $100 deductible applies per covered accident Includes $5,000 Accidental Death & Dismemberment Principal Amount
Plan 3 – Up to $10,000 per Covered Accident; $250 deductible applies per covered accident Includes $10,000 Accidental Death & Dismemberment Principal Amount
The AD&D and Accident Medical Expense benefit insurance is subject to the terms, definitions, conditions, exclusions and limitations of the group policy. These insurance benefits are underwritten by Guarantee Trust Life Insurance Company. These benefits are under policy Form MP-1300 issued to the American Advantage Association. Coverage becomes effective on the date provided in your membership materials. Guarantee Trust Life Insurance Company (GTL) provides the Accident medical coverage and Accidental Death and Dismemberment coverage. GTL does not provide nor is affiliated with the discount programs provided as a part of the membership in American Advantage Association.
Not available in AK, AR, MD, ME, MT, MN, NH, OR and NY.
| Special Benefits |
| Special Benefits to Help You Control the Cost of Healthcare |
| Online Physician ServiceMembers get direct and confidential access to doctors online.You have a medical issue or concern and need to get answers directly from a doctor but maybe you don’t have medical insurance, unable to take off work or just can’t afford the cost of an office visit.We have your solution!Using our Online Physician service you’ll simply log-in to your Online Physician account and submit your question and or concern confidentially and securely.Once your question is submitted, it is directed to a board certified physician for response. (Physician responses are authoritative and made within 24-hours from time of the request, with most responses arriving in three to four hours.)
Now you have extra peace of mind knowing you can ask a highly qualified physician about any medical concern and save money!
Online Psychologist and Life Coach
When you need professional input, support or guidance in any area of life, such as:
- relationship issues
- emotional distress
- divorce
- depression
- anxiety
- parenting and child development
- change, growth, and self-esteem
- sexual health
- addiction and recovery
- career and work issues
- no subject is taboo
Access the professional assistance you need from the privacy and comfort of your own home via an Online Psychologist and Life Coach. The licensed psychologists are there when you need them to help you and your family members in times of need.
Medical Bill Negotiation Service
Are you plagued by unpaid medical expenses?
We can help. Let our team negotiate on your behalf with your healthcare provider to reduce the amount of money you owe.
How Does It Work?
If the amount you owe is more than $500.00, before making a payment, submit your medical bill to our medical bill negotiation service, they will help you obtain the lowest commercially available wholesale price for your medical care.
Services are delivered to you on a performance basis – if the negotiation team cannot save you money, there is no fee. It is always free to have your medical bill reviewed and you NEVER pay more than what you owe right now. |
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24-Hour Nurse HelplineMembers and their dependents have unlimited access to registered nurses via a toll-free number for advice, information and support; you may call 24 hours a day, 365 days a year.
- Access detailed information about a range of concerns including interpretation of a diagnosis, appropriate treatment for minor emergencies, or illnesses and more.
Nurses will not diagnose or provide treatment. These nurses are specially trained to offer prompt, knowledgeable medical advice to help members make informed decisions about treating themselves medically. Every call is 100% confidential.
Laboratory and Diagnostic Testing*
Now you can save up to 50% or more off the cost of your Lab work and Diagnostic / Imaging testing through our nationally recognized laboratories and diagnostic imaging centers. Lab results can be sent directly to you or your doctor for review. Go to the website below for complete information.
Go To: www.Way2SaveTesting.com
Note: States which are not currently included in the Lab network are: NY, NJ, and RI. Diagnostic not included are: ND, SD, WV, NH and VT.
My eWellness
My eWellness is a comprehensive web-based health and wellness program designed to promote personal health and fitness through the natural therapies of diet, nutritional supplements, the benefits of exercise and a healthy attitude.
Benefits Include:
- Home based workouts with “video style” animations
- Daily health tips on nutrition, weight-loss, exercise and disease prevention
- Health risk assessments
- And so much more… it’s the ultimate in family wellness!
Prescription Drug Discounts**
This pharmacy discount program is offered to you and your entire family at NO CHARGE.
Our neighborhood pharmacy program assures you the lowest discount price on brand name and generic prescription drugs. Average savings of 23% with potential savings up to 50% (based on national program savings data).
- Simple to use
- NO claim forms
- NO Deductibles
- Accepted at over 53,000 pharmacies nationwide
- Online price checker and low price pharmacy locator
- Toll-free 800# to speak with knowledgeable Customer Care
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| *Lab and Imaging services are open access benefits and provided at No Charge. Please contact us for additional information. Payment must be made at the time of service in order to receive a discount.**Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance. Payment must be made at the time of service in order to receive a discount.
You have been enrolled into the American Advantage Association to receive these benefits.
DISCOUNT ONLY-NOT INSURANCE. This program is not an insurance policy and does not provide insurance coverage. Discounts are available exclusively through participating pharmacies. Due to fluctuations in pricing from pharmacy to pharmacy, drug prices and position in tiers may change without notice. AR, KS, SC, SD, and TN residents: You may cancel your registration under this program within thirty (30) days from the date your discount card is issued.
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