Office Address
- 12444 Powerscourt Dr, Suite 500A St Louis, MO 63131
- support@heartlandamerica.org
- 1-833-469-4228
Heartland Alliance of America is proud to announce the addition of a new benefit to the membership portfolio.
Eligible Members (ages 18-65) will now enjoy $10,000 of Acciental Death and Dismemberment, Loss of Sight, Speech and Hearing Benefit(AD&D) AND Accident Medical Expense(AME) (after $500 deductible) Insurance coverage.
The Accidental Death & Dismemberment benefit pays the amount shown if you suffer a Covered Loss resulting from a Covered Accident. If you sustain more than one covered loss as a result of the same covered accident, only the largest available benefit will be paid. If the loss results in death, benefits will only be paid under the loss of life benefit provision.
AD&D Schedule of Benefits:
| Principal Sum - Member | $10,000 |
|---|---|
| Loss of Life | 100% |
| Loss of Both Hands | 100% |
| Loss of Both Feet | 100% |
| Loss of the Entire Sight of Both Eyes | 100% |
| Loss of One Hand and One Foot | 100% |
| Loss of Speech and Hearing | 100% |
| Loss of One Hand and One Foot and Entire Sight of One Eye | 100% |
| Loss of One Hand or One Foot | 50% |
| Loss of Entire Sight of One Eye | 50% |
| Loss of Speech or Hearing | 50% |
| Loss of Hearing in One Ear | 25% |
The Accidental Medical Expense Benefits pay in excess of any other insurance coverage you may have for the expenses you are charged by a hospital, doctor, or certain other charge up to a maximum of $10,000 if you a injured in a covered accident. Subject to a $500 deductible, terms, definitions, conditions, exclusions and limitations of the group policy.
AME Schedule of Benefits:
| Maximum Amount Per Accident | $10,000 |
|---|---|
| Benefit Percent | 100% |
| Deductible Per Accident | $500 |
| Initial Treatment Period | 60 Days |
| Benefit Period | 12 Months |
| Treatment, services or supplies incurred for: | |
|---|---|
| Hospital room and board, and general nursing care, up to the semiprivate room rate. | Up to Policy Limits |
| Hospital miscellaneous expense during Hospital Confinement or for outpatient surgery under general anesthetic, such as the cost of the operating room, laboratory tests, x-ray examinations, anesthesia, drugs (excluding take-home drugs) or medicines, therapeutic services and supplies. | Up to Policy Limits |
| Doctor’s fees for surgery. | Up to Policy Limits |
| Anesthesia services. | Up to Policy Limits |
| Doctors’ visits, inpatient and outpatient, each visit. | $75 |
| Hospital Emergency care. | $500 |
| X-ray and other diagnostic tests. | $250 |
| Ambulance expense. | $250 |
| Durable Medical Equipment. | $100 |
| Prescription Drugs. | $500 |
| Dental treatment for Injury to Sound Natural Teeth. | $250 per tooth up to amaximum of $500 |
| Physical Therapy. | $60 for first visit; $30 for each visit thereafter |
| Registered Nurse expense. | Up to Policy Limits |
Accident Death and Dismemberment Benefits are providing as shown in the Schedule of Benefits and pays the member or beneficiary up to the benefit amount listed for the member's death or dismemberment due to a covered accident.
Percentage related to the Principal Sum benefit as shown above for the Primary, Spouse and Child(ren)
All Members of Heartland Alliance of America and their Enrolled Dependent Spouse and Child(ren)
Not available in all States
This publication is not intended to offer legal advice or client-specific risk management advice. Any description of insurance coverages is not meant to interpret specific coverages that you may already have in place or that may be generally available. General insurance descriptions contained herein do not include complete insurance policy definitions, terms and/or conditions, and should not be relied on for coverage interpretation. Actual insurance certificates must always be consulted for full coverage details and analysis.
