FAQ

The plan is underwritten by Crum & Forster, an Insurance Company rated A(excellent) by AM Best Crum & Forster continues to purse policies to cover Domestic students as well.  We currently have approval in 11 states and have several more stats where we are awaiting answers. .

A student’s detailed claims history and individual explanation of benefits (EOB’s) are available 24/7 on a secure website called Group Admin Portal (GAP). In addition, there is a customer team (GBG Assist) dedicated to serving schools, families, members and providers that can be reached via a toll free number. Finally, you can always contact our office with any specific concerns.

There are no limitations or waiting periods for pre-existing conditions.

There are no deductibles or copayments under the pooled plan.

Prescription claims are filed electronically through Caremark.

No, coverage is not mandatory. Most schools use a “hard waiver” approach meaning that students must provide proof of acceptable/sufficient coverage through a USA Insurance company. If they do not, then the school enrolls them in the plan. Many schools have now made this part of their enrollment agreement.

Yes. You can cover students for any period of time, whether that is for a 2 week trip overseas, a summer camp, a mid-term enrollment or for the academic year (up to 10 months). We have a daily rate,  or 10 month-12 months rate.

All enrollments are handled through our secure website which keeps all information private. In addition, this provides you with an ongoing track record or your enrollment requests.

That is up to you. We have both “Usual & Customary” (Non-network) and Network plans available. Network plans can help keep costs down and reduce the problem of balance billing. We utilize the United Healthcare Options PPO Network plan.

We have developed a host of materials to help communicate with your families. All of these materials are available electronically and can be edited to meet your needs.

Preventative Care Services are covered in our Premiere pooled plans, which include physicals and immunizations.

The Accident Only plans are excess. Any claim would first be submitted to the student’s primary plan. The Explanation of Benefits from the primary along with any remaining balances would then be submitted to this plan.

We offer both mandatory and voluntary plan options.

The mandatory Accident Only plan offers coverage for students during school hours and at all school sponsored activities (including International travel).  The voluntary Accident Only plan offers 24 hour coverage.

Yes, the mandatory plan offers coverage for all interscholastic, intramural and club sports, including football.  The voluntary plan offers coverage for all interscholastic, intramural and club sports with an option for football coverage.

The policy starts at the beginning of your school’s first athletic practice (prior to the start of the new school year) and runs for one year. You provide the start date for your policy.

The mandatory basic policy is underwritten by The Hartford Insurance Company (up to $25,000) The voluntary basic policy is underwritten by Axis Insurance Company (up to $25,000) The mandatory catastrophic policy is underwritten by Axis Insurance Company (up to $1,000,000) Both companies are A rated companies by AM Best.

$25,000 primary coverage and $975,000 catastrophic coverage

No. Coverage is 100% up to $1,000,000 per student.

On the mandatory application you will be asked to fill in the number of students attending the school and camp (if applicable). That’s it. No lists or separate forms are required.  On the voluntary application you will submit individual student information for enrollment.

The mandatory Accident Only plan is offered in all states except NH, NM and NY.  The voluntary Accident Only plan, as well as the Catastrophic plan, is offered in all states except AR, MD, NH, NY, and WA.