American Health Benefits


In the event a participant suffers from a Certified Injury that requires Emergency Medical Transportation by helicopter in accordance with local EMS protocols, the program will reimburse the participant up to a maximum of $4,000.00 per occurrence. Reimbursement includes expenses incurred from the cost of Medically Necessary of Life Threatening Helicopter Transportation from the scene of an accident to the nearest medical facility capable of treating the injuries or from one medical facility to another medical facility. Claims for Medically Necessary transports from one medical facility to another medical facility are subject to review by Lifeguard's Medical Officer.
	Provisions: One benefit & programs will be payable per occurrence Benefit in excess of all other valid collectable insurance Coverage is worldwide Policy will include $1,000.00 scheduled airline AD&D Transportation by helicopter only
How to use: 1. Call 911 or the local equivalent. Local EMS protocols will make the determination for necessity and type of medical transportation that best fits each situation. 2. To file a claim please call Lifeguard at 1-800-446-7142. Underwritten by a member company of the National Accident Insurance Group Rated A+ by A.M. Best Certain terms and conditions apply- For further information contact Member services at 1-800-308-0374

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THIS PLAN IS NOT INSURANCE. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN.*
This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. The plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. You may access a list of participating health care providers at this website. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5). Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.
The program and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers. This program is not available in Florida, Massachusetts, Montana and Vermont. *Medicare statement applies to MD residents when pharmacy discounts are part of program.