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.
Accidental Death and Dismemberment
This benefit pays up to the amount shown for the active Member and the Member’s Spouse or Domestic Partner and Dependent Children, if Family coverage is selected, if an Accident results in a covered Accidental Death or Dismemberment not otherwise excluded. Coverage is 24 Hours a Day, 365 Days a Year. This benefit is paid in addition to any other coverage.
$25,000 for Primary Insured Person
$12,500 for Spouse or Domestic Partner (if Family coverage is selected)
$2,500 for Dependent Child(ren) (if Family coverage is selected)
Coverage Reduction Schedule is as follows:
Over 85 20%
Accident Medical Expense Benefits
This benefit reimburses up to $25,000, less a $250 deductible, if an Accidental Bodily Injury causes an Insured Person to first incur Medical Expenses for care and treatment of the Accidental Bodily Injury within 90 days after an Accident. Covered expenses include: emergency ambulance service, hospital, doctors’ treatment, x-ray and lab, drugs, nursing care, physical therapy, and more. The Benefit Amount for Accident Medical Expense is payable only for Medical Expenses incurred within 52 weeks after the date of the Accident causing the Accidental Bodily Injury. Accident Medical Expense coverage is provided on an excess basis which means that benefits are above any amounts paid or payable by any other insurance plan. This excess provision does not apply to members residing in the following states: CT, ID, IN, NJ, NY, SD, and TX where benefits are payable regardless of other insurance.
The Accidental Death and Dismemberment and Accident Medical Expense are underwritten by Federal Insurance Company. This information is a brief description of the important features of this insurance plan. It is not an insurance contract. Insurance benefits are underwritten by Federal Insurance Company. Coverage may not be available in all states or certain terms may be different where required by state law. Chubb NA is the U.S.-based division of the Chubb Group of Companies, headed by Chubb Ltd. (NYSE:CB) Insurance products and services are provided by Chubb Insurance underwriting companies and not by parent company itself. The Plans are not available in Arizona, Idaho, Kansas, Maine, Maryland, Montana, New Hampshire, North Carolina, Oklahoma, Oregon, South Dakota, Utah, Washington, and West Virginia. See page 8 for list of Limitations and Exclusions.
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.
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.
Best Doctors Answers Your Questions in Three Ways:
• They’ll pinpoint the problem. Experts will assist your doctor to determine the right next steps.
• They’ll find the right physician. They’ll identify the right specialist or family doctor for you.
• They’ll be there the whole way.
A personal advocate will guide you through the process.
Simply call 1-866-904-0910 and a Best Doctors Personal Advocate will Help you receive the information needed to get the right treatment the first time.
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 activate your account using a tollfree number or go online. Once activated you can use phone, web or the MDLIVE APP to consult 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.
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 $7,000.00 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.
• 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.
Not available to Iowa residents.
LIMITATIONS AND EXCLUSIONS
The following conditions represent coverage exclusions:
1. Suicide or attempted suicide;
2. Intentionally self-inflicted injuries;
3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
4. Participation in any military maneuver or training exercise;
5. Mental or emotional disorders, unless hospitalized;
6. Being under the influence of drugs or intoxicants, unless prescribed by a Physician;
7. Commission or the attempt to commit a criminal act;
8. Participation as a professional in athletics;
9. Pregnancy and childbirth (except for complications of pregnancy);
10. Bodily injury or sickness which can be treated locally
The following services are available if the Participant suffers an injury or a sudden and unexpected illness, when you are 100 or more miles away from home.
How to Use Your Benefit:
To schedule service, call 877-441-6656 and a representative will assist you.
Exclusions and Limitation
Script Claim - Retail Services
Our formulary has four tiers: Tier 1, 2 and 3 include preferred brands and generic drugs. Your cost per drug tier is as follows.
• Tier 1 The first tier is preferred brand and generic drugs that are priced at $10 or less for the scheduled quantity and dose.
• Tier 2 The second tier is preferred brand and generic drugs that are priced between $10 - $20 for the scheduled quantity and dose.
• Tier 3 The third tier is preferred brand and generic drugs that are priced between $20 - $40 for the scheduled quantity and dose. $40.00 for less.
• Tier 4 The fourth tier is non-preferred brand and generic drugs that are priced greater than $40 for which we have negotiated special pricing – The USA+ contracted rate.
To get the most out of this program you should ask your doctor to prescribe a drug within the first three tiers if possible. Often times drugs within the same therapeutic class can be prescribed in place of an expensive brand name drug.
STEP 1: Take your membership card with you to a participating pharmacy. Show your membership card to the pharmacist.
STEP 2: The pharmacist will enter your identification number printed on your card into the online computer system and the Script prescription prices are accessed. Your actual cost will be the contract price or the pharmacy’s usual and customary charge that day, whichever is lower.
Call USA+ Customer Service at 1-800-USA-1187, to locate participating pharmacies, or to obtain drug pricing information.
Click Prescription Drug Pricing here.
SCRIPT MAIL SERVICE PHARMACY
Script provides a high quality, dependable and convenient mail order prescription program.
Order long term shipments through Script and save and time and money. Due to the time required for mail order shipments, this program is not suitable for one-time prescriptions needed for emergencies or temporary conditions. Certain terms and conditions apply and are subject to the Exclusions and Limitations.
We value your business and look forward to assisting you should the need arise. If you have any questions please contact our office at 800-872-1187.
This discount plan is not “A Medicare Prescription Drug Plan”. This is NOT insurance. Membership in the discount drug plan entitles members to discounts for certain pharmaceutical supplies, prescription drugs, or medical equipment and supplies offered by providers who have agreed to participate in the discount drug plan. The discount drug plan organization does not pay providers of pharmaceutical supplies, prescription drugs, and medical equipment and supplies provided to plan members. The discount drug plan member is required to pay for all pharmaceutical supplies. Discount Medical Plan Organization: VantageAmerica Solutions, Inc. 1275 Milwaukee Avenue, Glenview, IL 60025 www.vantageamericasolutions.com.
Call USA+ Customer Service at 1-800-USA-1187 to obtain a mail order form or go online to www.usahc.com to download a form.
Accessing the Retail Price of a Medication* ON LINE:
1. Go to the website: www.usahc.com.
2. Once on the site, select the “Members Only” tab.
3. For the user ID, enter your membership number less the first “0”.
4. For the password, enter the Primary Member’s First Initial and Last Name
(For example Mary Smith would be entered as msmith).
5. Click on the listed links to access your benefit.
6. Simply print out the mail order form.
7. Mail the form with your prescription drug order to:
P O Box 1366
Elk Grove Vilage, IL 60009
Click Claim Form here.
Click Fillable Claim Form here.
* Prices may vary. If you have further questions or need assistance following these steps, please contact USA+ Member Services at 1-800-872-1187.
Membership in USA+ is NOT insurance nor is it meant to represent an insurance contract. Some of the benefits available to our members are NOT Insurance. This is an Association Membership offered and administered by United Service Association For Health Care. As added membership benefits, all active members are automatically covered under certain group insurance policies purchased by USA+. The benefits are underwritten by A.M. Best rated insurance companies and subject to the exclusions, limitations, terms and conditions of coverage as set forth in the insurance certificate provided in your membership materials and the Policy issued to USA+. Please contact USA+ for state availability. Not available in all states.
You have 30 days (or such longer period as may be required by state law) to review and evaluate the USA+ membership. If you wish to cancel your membership and receive a full refund, you may do so by submitting a written request to USA+ at the address listed below.
(800) 872-1187 and firstname.lastname@example.org