Accident Plan

Accident Plan  

Overview

Accidents are just that — accidents. You can't plan for them. But you can protect yourself financially as much as possible.

 

Tell Me More

The Aetna Accident Plan helps to fill financial gaps caused by expenses related to an injury caused by a covered accident. Cash benefits are paid directly to you, no matter what is covered by your medical plan or any other insurance. Benefits are paid for:

 

  • Initial and follow-up care
  • Medical imaging and X-rays
  • Hospitalization and surgeries
  • Dislocations and fractures
  • Physical therapy and more
  • Your plan also includes an Organized Sports benefit that pays an addition 25% if you are injured while participating as a registered member of an organized sporting activity. And you can get rewarded for taking better care of your health with the Health Screening benefit that pays $50 once per member per plan year for a covered preventive screening.
  • SAP employees can choose to enroll yourself, yourself and child(ren), yourself and spouse, or your family.

 

Benefits can be used to pay expenses like coinsurance, deductibles, or everyday expenses like mortgage payments, childcare, or groceries. It’s up to you. See the Accident – Plan Overview document on the right side of your screen for details of coverage, including limitations and exclusions.

 

Enrollment

Add group accident insurance coverage to help offset costs that may not be covered under your employer's existing medical plan.
Contact Us

 Phone:
1-866-324-4080
 Hours:
 M-F 9a-6p ET
 Email
employerbenefitsinquiries.service@mercer.com

How It Works

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • How do I file a claim?

    Go to myaetnasupplemental.com and either “Log In” or “Register”, depending on if you’ve set up your account. Click the “Create a new claim” button and answer a few quick questions. You can even save your claim to finish later. You can also print/mail in form(s) to: Aetna Voluntary Plans, PO Box 14079, Lexington, KY 40512- 4079, or you can ask us to mail you a printed form.

     

    If you require language assistance, please call Member Services at 1-800-607-3366 and an Aetna representative will connect you with an interpreter. If you’re deaf or hard of hearing, use your TTY and dial 711 for the Telecommunications Relay Service. Once connected, please enter or provide the Aetna telephone number you’re calling.

     

    Si usted necesita asistencia lingüística, por favor llame al Servicios al Miembro a 1-800-607-3366, y un representante de Aetna le conectará con un intérprete. Si usted es sordo o tiene problemas de audición, use su TTY y marcar 711 para el Servicio de Retransmisión de Telecomunicaciones (TRS). Una vez conectado, por favor entrar o proporcionar el número de teléfono de Aetna que está llamando.

  • How can this help me?

    Most families don’t budget for the costs associated with accidents. If an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:

    • Ambulance ride
    • Use of the emergency room
    • Surgery
    • Crutches
    • Stitches

     

    These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But most medical insurance plans have deductibles and co-insurance you will need to pay out of your pocket. But, what about the out-of-pocket medical expenses, such as lost wages you or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? This plan does just that, providing a cash benefit to cover the costs associated with unexpected covered accidents.

  • Who is eligible?

    Employees who work a minimum of 24 hours per week can sign up for coverage themself and eligible dependents during the new hire enrollment eligibility period, during the annual enrollment period or a qualifying life event. No medical questions are asked. The plan is designed to complement, not replace, major medical insurance.
  • When can I enroll?

    All eligible employees can enroll during annual enrollment. New hires can enroll during their new hire enrollment period. You will not be able to enroll outside of your new hire enrollment period or annual enrollment unless you experience a qualifying life event, like marriage, birth of a child, etc.
  • Do I need to be enrolled in an SAP medical plan to get coverage?

    No, this plan is meant to complement the medical benefits and other insurance.  
  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the plans' terms and conditions. Although payroll deduction will no longer be available, you can pay Aetna directly. Portability forms are available at www.myaetnasupplemental.com or call Member Services at 1-800-607-3366 for assistance.
  • Will my rates increase as I get older or if I file a claim?

    No, your rates will not increase due to age, health or individual claims.
  • Will I have to take a medical exam to get this coverage?

    No! This coverage is guaranteed-issue (which means you may qualify for coverage without having to submit to a medical exam or answer health questions).
  • What types of accidents and injuries am I covered for?

    Once you’re enrolled in this coverage, you’ll collect benefits for a variety of events related to a covered accident, including

    • Fractures
    • Dislocations
    • Second and third degree burns
    • Torn knee cartilage
    • Concussions
    • Cuts/lacerations
    • Eye injuries
    • Coma
    • Extractions and crowns

     

    You’ll also receive a lump-sum payment when you have these medical services/treatments related to a covered accident:

    • Ambulance
    • Emergency care
    • Exploratory surgery
    • Physician follow-up visits
    • Crutches
    • Physical therapy
    • Animal bite treatment

     

    See complete list of what is covered and the exclusions and limitations in the Plan Overview.

     

  • When can I cancel coverage?

    You can cancel coverage during annual enrollment or with a qualifying life event.
Learn More

Accident - Plan Overview

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

 

Accident Plan Overview
Rate Chart
Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.