Protection Plans Overview
Medical insurance is crucial; however, it's only part of the protection you need. Premium costs, deductibles, out-of-pocket maximums, and other healthcare costs have increased over the last several years and are expected to continue to rise. Protection plans can help reduce exposure and unforeseen out-of-pocket costs. The plans supplement traditional medical insurance or pay a lump sum of cash in the event of a critical illness, accident, or other qualifying event. Plans are available to all Individual and Family Plan (IFP) participants in most states. Plans are available to Medicare participants based on their former employer’s plan offerings.
You may enroll in a Protection plan at any time during the year. Call us at 1-866-322-2824 (TTY: 711) if you have any questions.
Plans Offered
Via Benefits Insurance Services offers various Protection plans, such as accident, critical illness, disability, and life insurance.
Accident Insurance
Accident insurance pays cash benefits directly to the policyholder in the event of hospitalization or medical treatment due to an accident. The money may help pay deductibles, unexpected medical costs, or everyday living expenses.
Ambulance Service Insurance
Ambulance service insurance through Medical Access & Service Advantage (MASA) covers a range of services, including emergency and ground transportation, transfers between hospitals, minor return trips, and protection for expenses incurred if you fall ill while away from home.
Illness Insurance
Illness insurance pays a lump-sum cash benefit directly to the policyholder in the event of a covered illness or specified disease, such as cancer, heart attack, or stroke. The money may be used for any of your needs, including experimental treatments that aren’t covered by insurance.
Hospital Indemnity
Hospital indemnity plans pay when you’re admitted and confined to a hospital due to an accident or illness, so long as you meet policy and certificate requirements. Typically, the insurance pays a flat amount for admission and a daily amount for each day of a hospital stay. It can also pay extra benefits for admission to or confinement in an Intensive Care Unit (ICU) and other benefits and services. The payment can help cover medical plan deductibles, copays, out-of-network stays, or any other expenses incurred during recovery from an illness or accident. Read Shopping for Hospital Indemnity Plans to learn about enrolling.
Legal Plans
Legal plans provide access to a network of experienced attorneys for you, your spouse or domestic partner, and your dependents. You can ensure your estate planning and retirement plans are updated. You also receive FamilyFirst support. This service supports family members caring for a family member by offering guidance on care and assisting with the coordination of services needed to provide the best care.
Life Insurance
A life insurance policy ensures that if you die while your policy is active, your loved ones will receive a lump-sum payout, known as a death benefit. The death benefit can cover medical bills, education costs, loans, day-to-day costs, funeral arrangements, and more.
International Travel Insurance
Although domestic insurance plans offer adequate coverage within the country, they may not provide the necessary assistance and coverage for international travel. Plans typically cover hospitalization, emergency room, trip interruption, and identity theft.
Dental, Vision, and Hearing
While Dental, Vision, and Hearing Plans aren't Protection plans, they do offer coverage for dental, vision, and hearing services and savings designed to fit your needs and budget. Read Dental, Vision, and Hearing Coverage (Individual and Family Plan)or Medicare Dental, Vision, and Hearing Plans to learn more.
Find Out if an Additional Benefits Plan Fits Your Needs
We can help you find a plan that will fill the gaps and reduce your out-of-pocket expenses. Call 1-866-322-2824 to speak with a benefits advisor regarding their coverage.
Claims
When you experience a qualifying life event, you file claims with the insurance carrier. Carriers recommend filing claims on their websites; however, you can call to get a claim form sent to you.
Aetna Indemnity Plan
Phone Number: 1-800-607-3366
Website: aetnaseniorproducts.com
Online Submission Process (preferred): Log in to the website and select the Submit a Claim link. Claims for all plan types can be submitted online.
Paper Claim Process:
Download the form from Aetna's website
Fax claim forms to 855-875-0515
Mail claim forms to PO Box 8, Brentwood, TN 37024
Cigna Hospital Indemnity
Phone Number: 1-866-459-4272
Website: my.cigna.com/
Online Submission Process: None
Paper Claim Process:
Call and request a claim form
Submit a claim by mail, fax, or email
Fax: 877-826-6237
Email: csbhealthclaims@cigna.com
Medical Access & Service Advantage (MASA)
Phone Number: 1-800-643-9203
Website: masamts.com/member
Claim Submission Process: Send your bill to MASA with your member number clearly written on the front via the following:
Mail: Member Services, 1301 International Parkway, Suite 300, Sunrise, FL 33323
Fax: 817-681-2399
Email: ambulanceclaims@masaglobal.com
United Health One
Phone Number: To call member services, go to the website and click the phone icon.
Website: uhone.com
Online Submission Process (preferred): Log in to the website and select the Secure Messaging link. Attach the signed PDF claim form and use the subject New Claim.
Paper Claim Process:
All products are in one claim form. Fill out the appropriate section for your plan.
Claims must be submitted within 90 days of treatment. Some exceptions are made.
Claims are usually paid within 10 days once everything is received.
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