*The AD&D Maximum Benefit and Accident Excess Medical Expense Coverage Maximum Benefit reduce by 50% at age 70.
Coverage is available to paid Members after 30 days following the receipt of the Membership application and the payment of the first month's dues by the Association.
Note: The Excess Medical Expense Coverage Benefit provides benefits for incurred medical expenses covered under this plan in excess of coverage under any other valid insurance coverage, accident medical expense benefits or health benefit plan coverage, including but not limited to coverage or benefit entitlement under or pursuant to any uninsured / underinsured motorist coverage, personal injury protection coverage under any automobile policy, comprehensive major medical insurance, hospital / medical surgical insurance, other indemnity health insurance, health coverage under an HMO or PPO plan, workers' compensation medical expense benefits, FELA medical expense benefits, Jones Act medical expense benefits, Medicaid and Medicare.
Claims for benefits shall be administered based on the Blanket Group Policy issued to the Association. A copy of a Certificate of Coverage further outlining the Blanket Group Policy is available from the Association upon request.
Coverage is not available in CT, MA, NH, NY and VT.
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