FREQUENTLY ASKED QUESTIONS

is an excellent suite of benefits by itself, or as a complement to any health plan you may choose to carry individually or through an employer. BENEFITS USA provides financial relief on medical expenses not covered by your health insurance or use it for expenses that fall below your deductible and co-insurance limits.

This plan is portable and renewable. You may not be singled out for rate increases or cancellation no matter how often you use the benefits!

BENEFITS USA is a provider access organization, which arranges for its members to receive indemnity benefits and contracted rates on medical, dental, vision, chiropractic and pharmaceutical services. Additionally, BENEFITS USA provides access to group association Accident Medical and Accident Disability plans that are fully insured by top rated national carriers.

The Accident Medical Benefit is an indemnity benefit. This means you may use any Doctor or Hospital nationwide! There is no required network. However, you will receive even more savings by using our PPO Network.

You must complete a claim form and send it directly to the insurance company listed on your certificate. They will contact you if additional information is needed to process your claim. Claim forms are available on the BENEFITS USA web site, or you may call the claims number listed on your ID card. All accident claims must be reported to the plan administrator within 30 days. You have 90 days to begin treatment and up to 52 weeks of coverage up to the policy limits.

Members can save up to 50% on all diagnostic, preventative, restorative and major dental services. Cosmetic services are also eligible to receive a contracted rate. A sample of member co-pays schedules are available on the Benefits USA web site, or contact a customer care representative to find out the specific co-pay for your procedure.

Many members find it convenient to locate providers directly from the BENEFITS USA website. There are links to providers for each benefit package. As always, please feel free to ask your representative for assistance or call the BENEFITS USA Customer Care hotline for assistance.

Pre-existing conditions are covered with BENEFITS USA. The accident medical plan only covers new accidents that occur after the effective date of the membership. There is a 12 month waiting period for pre-existing conditions which applies to hospital and surgical benefits only.

It usually takes 2-3 days to process your application. Once initial processing has been completed, your new member kit will be mailed to you. you can expect to receive your kit within 10 business days. Please take some time and review the kit, as it contains helpful information on how to make the most use from your benefit package.

No. Our PPO Medical Savings Plan is not insurance, nor is it intended to replace insurance. It is a medical savings program that can save money by using our contracted rates.

Physicians, hospitals and facilities have agreed to reduce their rates in exchange for guaranteed payment. Traditionally, access to reduced rates have been limited to insurers and self insured groups. The PPO Medical Savings plan provides savings to members by working within the existing medical payment system.

The decision of a physician, hospital or facility is the member’s choice. To access any savings through the PPO Medical Savings Plan, members must select any participating network provider.

In most cases, providers will not recognize the name of a card or BENEFITS USA. BENEFITS USA utilizes multiple provider networks to provide the best selection and savings available.

Members will always save money using our PPO Medical Savings Plan, however, savings vary from provider to provider. Usual and customary savings can be up to 40% and more.

All Members have access to the Association Medical Financing programs. For more information, please consult your member benefit guide or call member services.

Yes, however, our network does not coordinate benefits. What that means is, if a Member chooses to use our network to save money on an insurance deductible, the Member must pay for services through out network, and file the paid claim with their insurer. Members are sent a Statement of Savings showing how much they saved, along with the original bill from the provider. Members may file the paid claim with their insurer to satisfy part or all of their deductible.

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