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:

70-74    80%
75-79     55%
80-84     35%
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.

 

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.

1. Where available by law. 10% savings is not available in New York or Louisiana and applies to goods and services as listed on the general price list. The 10% discount does not apply to cash advance items no already discounted Dignity Memorial plans. Cemetery benefit is not available in all states.
2. Not available to Maryland residents. The Funeral Protection Certificate can be obtained by contacting USA+.
3. Available at most local Dignity Memorial providers.
4. Must be over 75 miles from the location where prearrangements were made.

CLC ID Protect Plus offers a comprehensive identity protection program with several layers of defense. ID Monitoring is the first layer; however, monitoring will never capture all fraudulent transactions. CLC ID protect backs up monitoring with additional layers of ID Protection and ID Recovery. We add up to $10,000 of insurance coverage to protect against financial losses, a US based team of professional Fraud Resolution Specialists™ to clear your records, tax fraud specialists to help clear issues with the IRS, financial specialists to help resolve financial hardships that can result from identity theft, and finally, we provide discounted legal services should the issue require the intervention of an attorney.
ID Monitoring*
CLC ID Protect Plus includes continuous 24/7 Social Security Number and Personal Information Monitoring with text and email alerts that notify you of possible misuse of your SSN and personal information and suspicious activity. ID Monitoring is a vital component in defending your most valuable asset, your identity.
*CLC ID Protect Plus does not monitor all transactions at all businesses. No service can stop all identity theft events.
ID Protection
CLC ID Protect Plus uses email and text alerts to notify you of suspicious activity involving your SSN and personal information. If your identity is stolen, identity theft insurance† coverage is available for fraud-related losses and expenses, such as lost wages or legal expenses.
† Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
ID Theft Recovery
CLC ID Protect Plus gives you unlimited access to a US based team of Fraud Resolution Specialists™ who work relentlessly on your behalf to restore your stolen identity and repair your damaged credit reputation should you ever fall victim to identity theft.
FRAUD RESOLUTION TEAM
You have unlimited access to our team of Fraud Resolution Specialists™. Each FRS™ is an experienced fraud representative and has been trained under the Fair Credit Reporting Act (FCRA). Each FRS is educated on and familiar with prohibited “collection” company activities under the Fair Debt Credit Protection Act (FDCPA).
Additional certifications include Certified Identity Theft Risk Management Specialist® and Certified Credit Report Reviewer.
EMERGENCY RESPONSE KIT
Receive a step-by-step guide when you fall victim to theft or a breach. This kit is available at any time through our website.

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.

Provisions include:
• 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.

• Air Medical Repatriation.  If a member is admitted to (or being discharged from) a hospital anywhere in the world that is more than 150 miles from the Member's residence in the United States or Canada and it is determined by the Member's physician and AirMed's medical director that the Member's medical condition is stable enough to allow air transport but that medical escort is required, AirMed will provide flight, ground transportation, & patient care, a full bedside to bedside experience for any covered member.
• 24/7 Worldwide Medical Services Hotline.  This program connects Members 24 hours a day, seven days a week, to the worldwide resources of AirMed.  Members have access to AirMed's Customer Care Center (CCC) who will provide information about how and where to obtain medical care while traveling, including medical monitoring and coordination with local health care professionals.
• Global Security & Risk Assistance.  Members have 24/7 access to the AirMed Communications Center and the resources of our worldwide security firms for up-to-the-minute global threat assessments, foreign travel advisories, pre-trip threat evaluations, and political and security evacuation arrangements to a safe haven location.
• Emergency Call Referrals. 

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.

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.

Script Claim is not a licensed pharmacy and does not dispense prescription drug medications. The Script Claim prescription drug plan is not “A Medicare Prescription Drug Plan”. This is NOT insurance. Membership in the prescription drug plan entitles members to network pricing for certain pharmaceutical supplies, prescription drugs, or medical equipment and supplies offered by network providers.
 

 

GENERAL EXCLUSIONS
The following exclusions apply to all benefits or Hazards under this policy. Additional exclusions, limitations or conditions may also apply to specific benefits or Hazards. Please read your Description of Coverage carefully. Please note, exclusion wording may vary by state.
Owned Aircraft, Leased Aircraft or Operated Aircraft
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person being in, entering, or exiting any aircraft:
1) owned, leased or operated by the Policyholder or on the Policyholder’s behalf; or
2) operated by an employee of the Policyholder on the Policyholder’s behalf.
Aircraft Pilot or Crew
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member. This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life-threatening emergency.
Disease or Illness
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment or diagnosis thereof. This exclusion does not apply to the Insured Person’s bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.
Illegal Acts
This insurance does not apply to any Accident, Accidental Bodily Injury, or Loss caused by or resulting from, directly or indirectly, the Insured Person’s commission or attempted commission of any illegal act including but not limited to any felony.
Incarceration
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly any occurrence while the Insured Person is incarcerated.
Intoxication Exclusion
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person being intoxicated, at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs.
Narcotic Exclusion
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person being under the influence of any narcotic or other controlled substance at the time of an Accident. This exclusion does not apply if any narcotic or other controlled substance is taken and used as prescribed by a Physician.
Participation in a Race or Speed Contest
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person being engaged in or participating in a motorized vehicular race or speed contest.
Service in the Armed Forces
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person participating in military action while in active military service with the armed forces of any country or established international authority. However, this exclusion does not apply to the first sixty (60) consecutive days of active military service with the armed forces of any country or established international authority.
Specialized Aviation
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person traveling or flying on any flight on a rocket propelled or rocket launched aircraft or on any flight which requires a special permit or waiver from a governmental authority having jurisdiction over civil aviation, whether or not such permit or waiver is granted.
Suicide or Intentional Injury
This insurance does not apply to any Accident, Accidental Bodily Injury, or Loss caused by or resulting from, directly or indirectly, the Insured Person’s suicide, attempted suicide or intentionally self-inflicted injury.
Trade Sanctions
This insurance does not apply to any Accident, Accidental Bodily Injury, or Loss when:
1) the United States of America has imposed any trade or economic sanctions prohibiting insurance of any Accident, Accidental Bodily Injury, or Loss; or
2) there is any other legal prohibition against providing insurance for any Accident, Accidental Bodily Injury, or Loss.
War
This insurance does not apply to any Accident, Accidental Bodily Injury, or Loss caused by or resulting from, directly or indirectly, a declared or undeclared War.