1. What benefit programs are available to USEF members?
For Individuals: Individual/Family Medical, Dental, Vision, Teladoc, Life Insurance, Cancer, Critical Illness, Accident, Hospital, Pet, Long Term Care. We plan to continue adding services based upon member feedback.
For Businesses: Group health medical, and various business insurance services.
2. How can I enroll in the benefits?
Logon to www.usef.org, and then click “access to health and insurance benefits” or use the membership drop down menu. You can sign up online or you can call the USEF Benefits Hotline 1-800-349-1082. Benefit programs are available to paid and competing members.
3. Has the benefits program been affected by the current pandemic and economic conditions?
The benefits program was launched at the very moment the pandemic hit, an unprecedented global health crisis that has affected everyone. The USEF member benefits hotline call center was affected due to business closures across the nation which resulted in reduced staffing. Insurance companies were further impacted due to the overwhelming need for health. care. Due to these circumstances, important information from the insurance companies did not reach us on the timeline we expected for initial enrollments, and calls into our call center experienced delays as well. We apologize for this inconvenience to our members. All plans are now available for enrollment, and the majority of plans now offer online enrollment.
4. What kind of individual medical plan is offered?
Associations and membership organizations are typically unable to offer employer based traditional health plans to their members. Comprehensive, traditional health plans are generally expensive as they include services that many people will never use – yet the premiums can be costly for everyone. Further, many benefits in the insurance industry have exclusions for equestrians Minimum Essential Coverage plans are more affordable but are often missing catastrophic health coverage, like inpatient care and pharmaceutical coverage. US Equestrian has an alternative health care plan that is beneficial to our members. We were able to work directly with a private health care system to provide a tiered medical plan that allows members to enroll in only the coverage they need and keep the pricing the more affordable. All three tiers of our plan cover the basics like physician visits, inpatient care, and pharmaceutical coverage. Each level of our plan providers a higher level of coverage and applicable cost. Our plan is tailored to equestrians and includes telemedicine, accident coverage, and medical air & ground evacuation (covered at 100%) – all at no additional cost to the member. Additional coverage can be added to cover critical illness (which covers situations like cancer, heart attacks, and strokes). We may have some members who need to obtain or continue traditional healthcare through the Affordable Care Act Marketplace, yet those members can still contact our member benefit hotline and enroll in other supplemental insurance services.
5. What type of coverage is available on the individual medical plan?
Our individual/family medical plan offers silver, bronze, and gold levels of coverage, based upon the coverage level the member needs. This allows the member the most flexibility in allowing them to select the coverage they can afford. Additional coverage plans are available such as dental, vision, and critical illness (which covers serious situations like cancer, heart attack, stroke, etc.)
6. Will I receive insurance cards?
Yes, you will receive information and printed insurance cards. Most plans also have online enrollment and information access.
7. What happens if I have a concern over a claim?
You contact the specific insurance company directly as you would with all insurance. We have coordinated with several different insurance companies to provide the most significant discounts to our members. Upon enrollment, you will receive information on each plan you are enrolled in, along with the appropriate contact information to ensure members’ personal information is kept confidential, US Equestrian does not participate in any part of the process of enrollment or maintenance of the insurance plans. Plans are administered directly by the insurance provider.
8. Does USEF make money from the selected providers?
US Equestrian coordinated to provide access to these plans and discounts for our members; however, we do not accept any royalties or payments from any of the insurance companies or representatives. Our goal is to strive to provide the best plans and the most affordable value for our members.
9. Who should I call if I have questions about enrollment?
The member services hotline can be reached at 1-800-384-1082.
10. Who should I contact if I have feedback about the plan offerings or member service?
We have a link on the main benefits enrollment page on our website where members can provide their feedback. We appreciate your comments and input as our goal is to continuously improve and build upon these services. You may also reach Kelly Bolton, Director of Human Resources at US Equestrian, by emailing [email protected], or calling 859-225-6920.
11. If I would like to build an individual health care plan that provides the best level of coverage, which products would you advise and how much would that cost approximately?
We recommend that you contact the benefits helpline to receive guidance on how to best meet your needs, but the gold plan has the highest level of coverage and includes telemedicine, accident coverage and medical air and ground transportation (covered at 100%). You may also want to enroll in the critical care supplemental plan, which covers cancer, heart attack, stroke, and other serious illnesses. Costs for each plan are posted on our website and vary based upon coverage level selected.
12. If I am a self-employed professional equestrian and am injured while working, am I covered?
Yes. With the individual healthcare plan you are covered.
13. Do I need to complete a health exam or meet any special criteria to purchase any of the insurance benefit plans?
No. Anyone USEF active or paid fan member is eligible for the individual medical plans without additional medical approval.