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| FAQ’s: Q: How much does the plan cost? A: A Gold membership costs $30/month for an individual or $37/month for a family. A Silver membership costs $25/month for an individual or $31/month for a family. A Bronze membership costs $20/month for an individual or $24/month for a family. Q: What benefits are included with membership? A:
Q: I have health insurance why do I need the accident insurance? A: Because the accident benefit you receive with your Adventure Advocates membership has a very low deductible, the benefit can help cover out-of-pocket expenses that are not paid for by your primary plan. Many individual and group major medical plans have high deductibles, costly copays or co-insurance. Let Adventure Advocates fill in the gaps. Adventure Advocates is a great supplement to most primary insurance plans. Q: How much is the accident medical insurance benefit deductible? A: The accident benefit deductibles for the Gold, Silver and Bronze plans are $500, $250 and $100, respectively. See the member benefit page for a detailed description of each plan. Q: What types of accidents are covered by my membership plan? A: Most accident related injuries that involve an impact of some kind. Exclusions from coverage include skydiving, bungee jumping, piloting an ultralight aircraft, and/or any injuries incurred while intoxicated or committing a crime. Please note, this is simply a brief overview of the exclusions. For complete details, please request to view the Adventure Advocates certificate of coverage. Q: How do I register my membership account in the Adventure Advocates website? A: Go to adventureadvocates.com and click on the membership sign-in button. There is a link for first time members to register. Type the requested information exactly as you did when you joined and select a password. This will allow you to print off your membership card (not an insurance card) and view the detailed benefit access information for all of your member benefits. Q: I am not getting e-mails from Adventure Advocates notifying me of membership payments, payment failures and other important account information. A: Check the spam settings on your e-mail account and enable messages coming from info@adventureadvocates.com to be received into your inbox. We have found that many or our messages end up in the spam folder of our member’s e-mail accounts. Q: My credit card or bank card has been lost, stolen or cancelled, how do I update my payment information to insure that my membership benefits are not interrupted? A: Call the Adventure Advocates office at 1-800-211-9002 for assistance from a representative. Q: I just got into an accident, how do I start the claim process? A: If you are insured, or the accident occurred at a sanctioned event (many race events have coverage as part of the entry fee or association dues) you need to pursue the claim first through your personal primary health insurance or event coverage. If you do not have any other insurance/ coverage for the accident or any out-of-pocket expenses that your health insurance or event coverage does not cover (co-pays, deductibles, etc...) the claim can be submitted for reimbursement through Adventure Advocates. Members need to collect the itemized invoice(s) for all out-of-pocket medical expenses. The invoice(s) should have source codes that allow our claims administrator to properly identify the nature of medical treatment. The member needs to print off the Accident Medical Expense Insurance Claim Form from the member’s portal on the Adventure Advocates website and submit the completed form and invoice(s) to the address given at the top of the claim form. If you have primary health insurance, you will also need to submit a copy of the explanation of benefits (EOB) letter from your insurance company which will outline what your out-of-pocket expenses are. Q: I have submitted a claim to the claim administrator and a reasonable amount of time has past without payment – how do I check on my claim? A: Call the Adventure Advocates office at 1-800-211-9002 for assistance from a representative. Adventure Advocates strives to serve a dual mission: 1. Encourage Responsible Outdoor Recreation by providing a host of benefits which protect our member’s health and welfare while leading their active lives. 2. Promote Environmental Conservation by donating 100% of its net (after expenses and taxes) membership dues towards environmental and outdoor recreational causes. Adventure Advocates is an Illinois incorporated and Colorado based Not-For-Profit organization, created out of the understanding that lovers and users of the natural world owe a large debt and carry a responsibility to protect the wellbeing of our natural surroundings. |