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Frequently Asked Questions

Hospital Accident Plan (HAP) FAQs

I have health insurance through my employer, why do I need the Hospital Accident Plan?

This insurance supplements your other coverage plans. In the event you are hospitalized because of an accident injury, HAP pays you cash for each day you are hospitalized.

Is the amount paid directly to the hospital or to my physician?

No. The cash is paid directly to you, unless you say otherwise, to spend any way you choose. It's designed to help defray the cost of hospitalization or the incidentals that result from an unplanned hospital stay.

Can I specify that the payment be paid directly to the hospital or physician?

Yes. You may designate a doctor, hospital, or anyone you choose.

If I go to the hospital for elective surgery, can I file a claim?

No. This insurance pays for covered accidents only. Hospitalization due to sickness or disease is not covered.

Do I have to take a medical exam or answer a lot of health questions?

No. There are no medical questions or physical exams required to qualify.

Can I be turned down for this insurance?

No. Your coverage is guaranteed, provided you are 18 years of age or older.

Is there an age cut off?

No termination age; however, benefits reduce to 50% at age 65, and reduce to 25% at age 75.

When does my coverage begin?

The effective date is shown on your Certificate of Insurance.

How long does it take before I receive my Certificate of Insurance?

It takes about 30 days from the time the enrollment form is received to process and issue the Certificate of Insurance.

How will I be billed?

Share and Share Draft premiums will be automatically debited from your account quarterly/monthly. These transactions will be reflected on your statement.

How long will it take to process my claim?

The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices in Nashville, TN. Once processed, the claim is then forwarded to the underwriter
for determination of benefits.

Who is the plan administrator?

The Plan Administrator is Affinion Benefits Group, LLC, a division of Affinion Group, the nation's largest provider of direct response insurance programs.

Routing Number

The People First Routing & Transit (ABA) number is: 231379115

Mailing Address

2141 Downyflake Lane
Allentown, PA 18103

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Membership is available to those who live, work, worship or attend school in Lehigh or Northampton counties.

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