Accident Insurance

🏥 Accident Insurance: Cost & Coverage

Missouri State University offers two voluntary accident insurance plans with coverage for employees and their dependents.

PLAN COST	EE	EE + Sp	EE + CH	F
Plan 1 monthly cost	$17.99	$33.86	$36.84	$44.89
Plan 2 monthly cost	$24.67	$47.22	$51.68	$63.45

🩺 What’s Covered

These plans pay benefits for accident-related services according to a set schedule.

• Spouse coverage: 50% of the benefit

• Child coverage: 25% of the benefit

Plan 1 Highlights:

• Up to $4,000 for complete dislocation/fracture

• $40,000 accidental death & dismemberment

• $50 outpatient physician visit

Plan 2 Highlights:

• Up to $6,000 for complete dislocation/fracture

• $60,000 accidental death & dismemberment

• $75 outpatient physician visit

(Refer to the plan brochure for full details.)

📝 How to Use Your Benefits

• File a claim: Use the below form or call 877-282-0808

• Benefit payments: Paid directly to you; can cover medical costs or household expenses

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✅ Enrolling & Changes

• Voluntary coverage: Complements, but does not replace, health insurance

• Guaranteed issue: Enroll during new hire period, within 31 days of a qualifying event, or annually at open enrollment- without answering medical questions

• Services must be incurred after your effective date; pre-existing limitations may apply

Forms and publications

Forms

Policy Number 18667

• Out patient Physician treatment Claim form
• Accident Claim Form
• Attending Physician Statement

Publications

• Brochure
• Accident SPD

Policy

• G7.02-6.1.7 Voluntary Benefits