Accident Coverage

The Accident Medical Programs are available with three levels of coverage:

    * $2,500 per accident per person, with a $100 per accident deductible.
    * $5,000 per accident per person, with a $100 per accident deductible.
    * $10,000 per accident per person, with a $250 per accident deductible.

Medical service covers the costs for: necessary medical treatment for an accident by a physician, nurse, dentist, hospital room and board, outpatient surgery, use of an ambulance, dental work to sound teeth, drugs, medicines, diagnostic tests and x-rays, oxygen, casts, splints, crutches, blood plasma, treatment performed by licensed medical professional, and rental of durable medical equipment. Benefits are in excess of other coverage. Available for groups, individuals and families.

Eligible Persons: All enrolled dues paying members, under age 70 (herein called "Insured"), and their Dependents.

"Dependent" means the insured's lawful spouse under age 70; or an Insured's unmarried child, from the the moment of birth to age 19, or until 25 if a full time student, who is chiefly dependent on the insured for support.

Covered Activities: Any activity that occurs, while coverage is in place and the member is current with his membership dues payments, for an Eligible Person and results in a loss or Injury covered by the Master Policy This is a blanket Policy issued to the Association.

Policy pays for Specific losses from Accident Only. Benefits are not for losses due to sickness.

Accident Medical Expense Benefits: Accident Medical Expenses are only payable:

    * for Usual and Customary Charges incurred after the per accident deductible has been met.
    * for those Medical Necessary Covered Expenses that the Eligible Person receives:
    * for charges incurred within the "Maximum Benefit Period" after the date of the Covered Accident.
    * for charges up to the "Maximum Per Accident Benefit" that you have purchased

Maximum Benefit Period: One (1) year from the date of the Covered Accident.

Maximum Per Accident Benefit: This being the $2,500 or $ $5,000 or $10,000 membership that you purchased.

"Usual and Customary Charge" means the average amount charged, as determined by the Insurance Carrier, for treatment, service or supplies in the geographic area where the treatment, service or supply is delivered.

"Medically Necessary" means a treatment, service or supply that is required to treat an injury that is prescribed or ordered by a medical doctor or furnished by a hospital; consistent with the medical and surgical practices prevailing in the area for treatment of the condition at the time rendered.

Underwritten by GTL - Guarantee Trust Life Insurance Company: Policy Form Number GP-1200,