Who Is Eligible For Coverage?

Any eligible individual & their dependents who become members of NACD. However, any dependents who are totally disabled on the proposed effective date will not be insured until the dependent ceases to be disabled. A dependent is totally disabled if they are unable to perform the majority of the normal activities of a person of like age who in good health.

Who Are Eligible Dependents?

• Member's spouse under the age of 70
• Member's unmarried children-natural, adopted or stepchildren up to the age 19 or up to to the age of 23 if a full time student
• Children over the age of 19 who become physically or mentally incapable of self-support prior to reaching age 19 and while covered under these plans.

When Should I Enroll My Dependents?

Eligible dependents should be enrolled within 31 days of the date the dependent becomes eligible. (Enrollment date of the member, birth or adoption.)

What Are the Medical Underwriting Requirements?

All individual and family members of NACD are automatically accepted unless any individual in the family is pregnant or in the process of adopting a child.

How Do I Pay For My Coverage?

All Premiums for this program are collected on either a direct debit basis (an additional $2.00 monthly fee will apply) or via credit card debit (an additional 2.5% monthly processing fee will apply)

When Does Coverage Begin?

Eligible members will be effective the first day of the month following approval of the application and receipt of the first premium payment. The effective date of the dependent is the same as the enrolled member unless the dependent is added at a later time.

When Does Coverage End?

An insured member's coverage ends when the member is no longer eligible, premiums are discontinued (subject to the grace period) when the policy terminates or when the member is no longer in good standing with the NACD whichever occurs first. Coverage on a dependent ends on the earliest date they no longer meet the definition of an eligible dependent or on the date the member's coverage ends whichever occurs first.

Who Files The Claims Under My Coverage?

Either the member or provider can file a claim with American Benefit Administrative Services, Inc. as shown on the reverse side of the member's ID card.

Can Members Use Any Doctor Hospital or Pharmacy?

Yes. Covered members and dependents can use any hospital, doctor or pharmacy.

Are Pre-Existing Conditions Covered?

No benefits will be payable for expenses incurred as a result of a Pre-Exisiting Condition until:
a.  the end of a continuous period of 12 months commencing on or after the covered person's effective dare of coverage under these plans during all of which the covered person has received no medical advice or treatment in connection with such Pre-Exsting condition; or
b. the end of a two-year period commencing on the covered person's effective date of coverage under this plan.

What Is A Pre-Existing Condition?

A Pre-Existing Condition is a disease, accident, sickness or physical condition for which a covered person: (a)had treatment; (b) incurred expense; (c)took medication; or (d) received diagnosis or advise from a physician during a 12 - month period immediately preceding the date coverage begin, including conditions which are related to such disease, accident, sickness or physical condition.