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Metlife Accident Insurance included coverage helps offset costs that may not be covered under your existing medical plan.
This insurance provides you with a lump-sum payment after an accident to use as you see fit. It can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, childcare and more.
Accident insurance through the NASE may include benefits for:
- Injuries: Fractures, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, second- and third-degree burns.
- Medical services and treatments: Ambulance, emergency care, therapy services, medical testing (including x-rays, MRIs, CT scans), medical appliances and certain types of surgeries.
- Hospitalization: Hospital admission, confinement and inpatient rehab after an accident.
- Additional benefits: Loss and paralysis; supplemental benefit for lodging.
- Plus: Guaranteed acceptance and convenient payment through the NASE.
This membership is NOT available to residents of the following states:
Alaska, Florida, Louisiana, Maine, Maryland, Missouri, Montana, New Hampshire, New Mexico, North Carolina, Oregon, Utah, Vermont, Washington, West Virginia.
Frequently Asked Questions
Can accident insurance be used to cover out-of-pocket costs?
Yes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments, and more.
Are benefits paid directly to me or to my healthcare provider?
Payments will be paid directly to you, not to the doctors, hospitals, or other healthcare providers. You will receive a check, payable to you, for maximum convenience.
I have a good medical plan at work. Why would I need additional coverage for accidents?
Accidents can happen any time, to anyone, when you least expect them — and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits, and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.
Can I enroll in this insurance without having to take a medical exam?
Yes. NASE offers accident insurance and your acceptance is guaranteed, regardless of your health. You just need to be and active NASE member in good standing for your coverage to be effective. There are no medical exams to take and no health questions to answer.
Medical Insurance for this plan is required for members in MN, NY and VT.
Is there a waiting period before my coverage begins?
No. This supplemental insurance will be effective on the date of your coverage as long as you are active and in good standing with the NASE. There are no waiting periods to satisfy.
Is the claims process simple?
Yes. Once all required information is received, claims are generally processed within 10 business days. Only one claim form is needed per accident, and every claim is reviewed by a claims professional.
What if my state of residence is not listed in the Outline of Coverage?
Texas is the Group Policy Issuance State for; AL, AZ, CA, DC, GA, HI, IL, IN, IA, KS, MA, MI, NV, NJ, PA, RI, TN, TX, VA and WI. It is important that you follow the directions for the state that applies to you. Some of the information in the Outline of Coverage varies by state.
Benefit Reduction Due to Age:
Benefits will be reduced based on the covered person's age on the date of an accident, for all benefits that become payable because of the accident.
- Age 65 to 69 Reduction Amount: Any benefit payable as a result of an accident will be reduced by 25% if the covered person's attained age is 65 to 69 on the date of the accident.
- Age 70 or Older Reduction Amount: Any benefit payable as a result of an accident will be reduced by 50% if the covered person's attained age is 70 or older on the date of the accident.
Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.
METLIFE’S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition limitation for hospital sickness benefits, if applicable. MetLife’s Accident Insurance may be subject to benefit reductions that begin at age 65. And, like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details.
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