Accident Insurance
A voluntary accident plan offers coverage for accidents, injuries, ambulance services, and accidental death in addition to your primary medical insurance. It’s also available to your spouse and children — a plan that can protect your whole family and is specifically designed to help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and copays.
The list of covered injuries includes: broken bones, burns, torn ligaments, cuts repaired by stitches, coma due to a covered injury, eye injuries, ruptured discs and concussion.
Other covered expenses include: emergency room treatment, outpatient surgery facility, doctor office visit, hospitalization, occupational therapy, speech therapy, physical therapy and chiropractic visits.
The schedule of benefits includes a full list of covered injuries and expenses. Coverage begins on the first of the month in which you have your first payroll deduction for premiums.
- Coverage is available to all eligible employees who are actively at work.
- There are two plans options available (Base and Plus), and you can buy coverage for your spouse and dependent children.
- There are no health questions to answer. If you apply, you will be automatically approved for coverage.
- Coverage is portable. You may take the coverage with you if you leave the company or retire without having to answer new health questions
Two Ways to Submit a Claim:
- Visit the Forms page of our Next360 website to download a claim form. Work with your physician to complete the form, and fax it along with any additional supporting documentation.
- Use the Aetna online portal to initiate your claim electronically. Visit www.myaetnasupplemental.com.
- This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations, which may affect any benefits payable. For complete details of coverage and availability, please refer to the Accident Insurance policy.
- Eligible employees must be actively at work when they apply for coverage. Being actively at work means that on the day you apply for coverage, you are working at one of your company’s business locations, or you are working at a location where you are required to represent your company. If you are applying for coverage on a day that is not one of your scheduled workdays, then you will be considered actively at work if you meet this definition as of your last scheduled workday. You are not considered actively at work if you are on a leave of absence.
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