Accident Plan | Aetna

Accident Plan | Aetna
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Accident Insurance

Can help ease the financial impact that comes with unexpected accident expenses.
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Here's what you need to know

The Aetna Accident Plan is a valuable financial resource if a covered accident takes you (and your budget) by surprise.

 

No one plans to be injured in an accident – they always happen without warning. You can, however, be prepared for the unexpected expenses associated with an accident by enrolling in the Accident Plan. Once you’re enrolled, you’ll be better prepared with an added cushion of financial security that’s specifically designed to help take the sting from your accident-related bills. 

 

An Accident Plan:

  • Can help cover out-of-pocket expenses that occur when you have an accidental injury
  • Pays cash benefits directly to you
  • Lets you decide how to use the money – whether it’s for medical bills, childcare, groceries, or more 

 

You can receive benefits under this plan in addition to other coverage you have, including Iron Mountain's major medical plan, any other type of medical coverage, disability insurance, or other benefits you may be eligible to collect. However, it is NOT a substitute for these coverages and does not meet minimum essential coverage as defined by federal law.

Healing from an accidental injury can be costly to your budget in 2 ways:

 

  • Bills. Accidents may have unexpected out-of-pocket costs that take you by surprise. The list includes deductibles, copays, and any expenses that aren’t covered at all. All of these can put a serious dent in your savings.  
  • Lost wages. Your accident recovery could mean taking time out of work – either a little or a lot, depending on your needs. Or a family member might need to take time off to drive you to medical appointments or assist you in other ways. Either could impact the paycheck your family may rely on to keep everything on track. No one wants to struggle to pay regular bills with a reduced income while on the mend.
     

You may use your Accident Plan benefits any way you choose. It’s 100% your call on how to spend the money you receive, without limitations or approvals from your major medical insurance. You can use it to help pay for medical expenses or non-medical expenses – anything that becomes a financial concern if your accident results in unexpected expenses.

 

Access to this plan can help you financially while you recover from your accident. Having less financial worry can mean a more positive mindset for focusing on your recovery.

These are the periods when you are eligible to enroll in the Aetna Accident Plan:  

  • Within your new hire enrollment period 
  • If you have a qualifying life event (you get married, have a baby, etc.)
  • During Iron Mountain's annual enrollment 

 

Keep in mind: If you enroll during these timeframes, you have what is called "guaranteed issue," which means you qualify for the Accident Plan without answering health questions. You must have this plan in place before an accident happens in order to be eligible to collect the benefit when you need it.2  

After you become a member, you’ll enjoy an Aetna Simplified Claims Experience™ on MyAetnaSupplemental.com or on the My Aetna Supplemental app.

 

If you have questions or need a paper claim form call Aetna Member Services at 1-800-607-3366 (TTY: 711), Monday through Friday, 8 AM to 6 PM.

 

Benefit Summary

Spanish Benefit Summary

 

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

How It Works

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You enroll in the Aetna Accident Plan 

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After the plan is in effect, you are injured in an accident 

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Receive a cash benefit

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Use your money however you want

You are injured in an accident.

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That’s when the Accident Plan comes in.

Because you have this coverage, you get a cash benefit payment you can use for out-of-pocket expenses – or even put toward regular monthly bills.

Frequently Asked Questions

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  • Who is the provider?

    Aetna

     

    With over 150 years of experience, Aetna is a leading innovator and a recognized leader in protection planning and retirement & savings solutions.

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  • When is a benefit paid under the plan?
    This plan pays you cash benefits for an in-patient hospital stay for an accident, surgery, illness — or even to deliver a baby. Your hospital admission or daily stay(s) must occur on or after the plan’s effective date to file a claim.  See your plan summary for complete details. 
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  • Who in my family is eligible for this program?

    Members of your family who are considered eligible to enroll for plan include:

    • You – if you are an active employee working 16+ hours per week
    • Your spouse – age 16 and older
    • Your child(ren) – under age 26
    • Family

     

    You must be enrolled in the Accident Plan for members of your family to also enroll. 

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  • How much does this insurance cost?

    This group plan is offered at low group rates. There are no doctor exams to take or medical questions to answer. You cannot be denied coverage based on your health. And the plan pays you even if you have other insurance coverage—this means it pairs well with your major medical plan. Visit your enrollment site to see rates and the plan summary. 
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  • 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.

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  • Do I have to answer health questions or take a medical exam?
    No, you don’t. If you enroll during your eligible enrollment periods, you have "guaranteed issue," which means you qualify for insurance without answering health questions.2
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  • What if my employment status changes?

    Good news! If you leave or retire from Iron Mountain, you can continue your Accident Insurance without interruption (subject to applicable law and the policy’s terms and conditions).3 Although payroll deduction will no longer be available, you can opt for other payment methods such as credit card billing or home billing. 

     

    Portability forms are available at www.myaetnasupplemental.com or call Member Services at 1-800-607-3366 for assistance.

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  • When would my coverage start?

    Coverage becomes effective for new members on the coverage effective date. 
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  • Am I really free to use the payment any way I choose?

    Yes, you are! There are no restrictions or requirements about how you can use your accident cash benefit. Accidents aren’t something you can plan for – but you can be prepared with extra cash when one catches you off guard. You’re free to use this money on anything you choose, including out-of-pocket medical expenses and/or non-medical expenses. It can feel empowering to have this kind of flexibility.

Are you ready To Enroll?

Act now to elect Accident Plan to help offset expenses that may not be covered by other insurance plans.
Enroll

Do You Need Help?

Our team is ready

M-F 7a-8p CST

Phone Number:1-855-277-7592

Si necesita ayuda en español, llame al número de teléfono que aparece a continuación para obtener ayuda.

  • Legal Disclaimers

    See your plan summary for details, including exclusions and limitations that apply.

     

    1Covered services/treatments must be the result of an accident as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

     

    2Coverage is guaranteed provided the employee is actively at work. Some states require the insured to have medical coverage.

     

    3Eligibility 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 employer.

  • Mercer's Role & Compensation
    View details of Mercer's disclosure of compensation