Accident Plan

No one plans to be injured in an accident – they always happen without warning. You can, however, be prepared for the unexpected expenses associated with an accident by enrolling in the Accident Plan. Once you’re enrolled, you’ll be better prepared with an added cushion of financial security that’s specifically designed to help take the sting from your accident-related bills.

An Accident Plan:

• Can help cover out-of-pocket expenses that occur when you have an accidental injury
• Pays cash benefits directly to you 1
• Lets you decide how to use the money – whether it’s for medical bills, childcare, groceries, or more

You can receive benefits under this plan in addition to other coverage you have, including your employer’s major medical plan, any other type of medical coverage, disability insurance, or other benefits you may be eligible to collect. However, it is NOT a substitute for these coverages and does not meet minimum essential coverage as defined by federal law.

Healing from an accidental injury can be costly to your budget in 2 ways:

• Bills. Accidents may have unexpected out-of-pocket costs that take you by surprise. The list includes deductibles, copays, and any expenses that aren’t covered at all. All of these can put a serious dent in your savings.
• Lost wages. Your accident recovery could mean taking time out of work – either a little or a lot, depending on your needs. Or a family member might need to take time off to drive you to medical appointments or assist you in other ways. Either could impact the paycheck your family may rely on to keep everything on track. No one wants to struggle to pay regular bills with a reduced income while on the mend.
  

You may use your Accident Plan benefits any way you choose. It’s 100% your call on how to spend the money you receive, without limitations or approvals from your major medical insurance. You can use it to help pay for medical expenses or non-medical expenses – anything that becomes a financial concern if your accident results in unexpected expenses.

Access to this plan can help you financially while you recover from your accident. Having less financial worry can mean a more positive mindset for focusing on your recovery.

These are the periods when you are eligible to enroll for the Aetna Accident Plan:

• Within your new hire enrollment period
• If you have a qualifying life event (you get married, have a baby, etc.)
• During your employer’s annual enrollment

Check with your employer’s human resources/benefits team for specifics about these timeframes.

Keep in mind: If you enroll during these timeframes, you have what is called "guaranteed issue," which means you qualify for the Accident Plan without answering health questions. You must have this plan in place before an accident happens in order to be eligible to collect the benefit when you need it. 2

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

After you become a member, you’ll enjoy an Aetna Simplified Claims Experience™ on MyAetnaSupplemental.com or on the My Aetna Supplemental app.

You can also view your coverage documents and sign up for direct deposit.

If you have questions or need a paper claim form call Aetna Member Services at 1-800-607-3366 (TTY: 711), Monday through Friday, 8 AM to 6 PM.

How It Works

You enroll in the Aetna Accident Plan

After the plan is in effect, you are injured in an accident

Receive a cash benefit

Use your money however you want