Central New Jersey Council, BSA
Accident & Sickness Insurance
2013 Accident & Sickness Policy
What information is necessary to get a medical claim processed?
- A completed claim form detailing: information about the injured person, how the accident or sickness occurred, primary insurance information, and the required signatures.
- A copy of all itemized bills from your medical providers (hospital, doctors, x-rays, physical therapists, etc.). In many instances, particularly with hospitals, the parent or Scout will need to contact the hospital directly to get a copy of the itemized bills. These itemized bills are absolutely necessary to process claims because they give the diagnostic and procedural codes detailing the services performed.
- Balance Due statements WILL NOT be accepted.
- A copy of the primary insurance company's explanation of benefits (EOB). This EOB is mailed to you from your primary insurance company showing you how they processed your claim. Because the BSA insurance plans are excess insurance plans above $300, these EOBs are necessary for any claim in excess of $300.
What is primary/excess insurance?
- The insurance plans pay the first $300 of any claim on a "primary basis" regardless of any primary insurance. For claims above $300 in total, the insruance becomes "excess" meaning it will pay those expenses not paid by the primary insurance. In the event there is no other insurance, these plans will pay primary.