Unexpected and urgent medical treatment resulting from an accident or illness
Repatriation: In the event of death, repatriation of mortal remains, including transportation of the body from the site of death to the sending funeral home to the airport, minimally necessary casket or air tray for transport, coordination of consular services, procuring death certificate and transport of the remains from the airport to the receiving funeral home.\
Medical Evacuation: Transportation to a medical facility that can provide appropriate care in the event of serious injury or sickness that cannot be adequately dealt with at the location where the illness or accident took place.
Bedside visitation for one family member in case of critical illness or accident.
For participants with program start date December 1, 2016 onward: Accidents that happened while skiing on official trails. Coverage is up to $5,000 only. This coverage does not include snowboarding
Injuries sustained while skiing off official paths, or sustained due to alcohol/drug consumption.
Costs relative to treatment of the mental health and mental disorders of the insured.
Willful attempt at self- injury; suicide or attempted suicide.
Injuries resulting from criminal activity or resulting while one is arrested or imprisoned.
Injuries resulting from natural catastrophes.
AIDS, no matter how it is acquired or called, or HIV infection.
Self- treatment or disobedience of a doctor’s advice.
Pregnancy (incl. tubal pregnancy), childbirth, abortion and any consequent complications or diseases.
Involvement in hazardous activities including motor sports, flying, hang-gliding, sailing and underwater sports and hobbies, jumps from height, climbing requiring special equipment and speleology (spelunking).
Consumption of alcohol, narcotics and other opiate or illegal substances. Injuries sustained due to alcohol or drug consumption or accidents where the insured was operating a motor vehicle under the influence of drugs or alcohol.
For a full list of exclusions, please see Insurance Master Policy
If you need to see a doctor, always call Bulstrad/GBG Assist BEFORE and AFTER seeking medical attention.
Why you should contact your insurance provider BEFORE receiving medical attention:
To find out if the treatment you need is covered by your insurance.
To find out if the clinic or doctor you want to visit is in-network.
To find out if your doctor’s visit requires a pre-approval.
Why you should contact your insurance provider AFTER receiving medical attention:
You must call Bulstrad/GBG Assist within 10 days of receiving medical attention to begin the claim-filing process immediately.
To find out exactly what you need to submit to be reimbursed for medical expenses.
To open a “case” in the instance that your medical issue requires multiple doctor’s office visits.
Please note if you fail to contact Bulstrad/GBG Assist within 10 days of receiving medical attention, you will be responsible for all medical bills.
Insurance Company: Bulstrad Life with GBG Assist – Phone Number: 1-866-914-5333
When you call Bulstrad/GBG Assist, please give them the following information:
First and last name
Insurance policy number
The nature of your illness or the reason you are seeking medical attention
Bulstrad/GBG Assist will provide you with information for a nearby doctor’s office that accepts the insurance.
Make sure to write down the following information:
Address and a phone number of the doctor’s office
Name of the person that you spoke with at Bulstrad/GBG Assist
You may also locate a medical provider in your area by going to here.
When you go to see a doctor, be sure to bring:
Your insurance information
Money (checkbook, debit/credit card) to cover the co-pay
Request a copy of all forms you sign or that are given to you regarding your medical visit.
If you seek medical attention while on your program, you will have to pay a fee for the first visit. Each follow up visit may result in additional fees. This fee is called co-pay (also known as a deductible) and it is normal for every insurance company. You will not get back the money you paid for the co-pay.
Co-pay for doctor’s office visit- $125
Co-pay for Emergency Room/Hospital visit- $350
As you can see, the amount you have to pay for going to the hospital emergency department is very expensive. Please make sure to go to the emergency department only in case of true life-threatening emergency.
Please keep in mind Co-Insurance Payment is required for claims for the first $5,000. All claims will be paid on a 20/80 basis after the deductible have been met. This means the insurance will pay 80% of the claim and you will be responsible to pay 20% of the claim.
Medical claims are summaries of medical services and expenses that are submitted to health insurance companies for payment, similar to receiving a bill at the end of a meal. Normally, medical providers (hospitals or doctor’s offices) will automatically submit the medical claim to the insurance company on your behalf.
If you paid your medical bill at the time of your visit, you need to file a medical claim with Bulstrad/GBG Assist. By filing a Medical claim with your insurance provider, you may be reimbursed for the expenses you had to pay yourself.
To file a claim, you must submit the completed medical claim form and email all receipts to firstname.lastname@example.org. You will receive a confirmation email reply within 24 to 48 hours.
All claims must be submitted within 10 days of the date of the medical visit or they will NOT be reimbursed.
Be sure to complete a separate claim form for each claim and for each insured person.
Use as much detail as possible.
Include copies of all the forms and receipts associated with your medical treatment.
Make sure that all information on the claim is accurate, correct, and complete.
For help with filing a claim, call Bulstrad/GBG Assist within 48 hours of the doctor office or hospital visit. Be sure to ask the insurance representative for a case number that you can refer to in the future.
Please note, being reimbursed for out-of-pocket expenses may take time and is not guaranteed.
Please contact AAG if you have any questions about your insurance. You may contact your Outreach Coordinator or call our 24 Hour Support Line: 1-866-622-7623.