Accident Medical Expense (AME) coverage

You can never plan for an accident, but you can plan to have protection in case of one.

AccidentSHIELD will be there for you…

You never know when an accident will happen, but when it does you should be prepared. Help ensure your financial peace of mind. For those without coverage or with a high deductible plan, WBA is an affordable option you shouldn’t be without.

Accident Medical Expense Coverage

Members choose $2500, $5000, $7500 or $10,000 of AME coverage

Accident Medical Expense(AME) Benefit Amounts for Members and their spouses or domestic partners and their dependent children:

$2500 or $5000 subject to a deductible of $195

WBA will pay $95 of your deductible as a member benefit

$7500 or $10,000 subject to a deductible of $275

WBA will pay $175 of your deductible as a member benefit

This benefit will reimburse medical expenses up to the maximum elected if accidental bodily injury causes an insured person to first incur medical expenses for care and treatment of the accidental bodily Injury within 90 days after an accident. The benefit amount for Accident Medical Expense is payable only for medical expenses incurred within 52 weeks after the date of the accident causing the accidental bodily Injury.

The benefit amount is subject to a deductible. The deductible will be deducted from any benefit amount for Accident Medical Expense that the insurance company pays. This deductible applies separately to each insured person and each accident.

Excess Provision (applicable to insured persons in all states except California, Connecticut, Florida, Idaho, Indiana, Maryland, Minnesota, New Jersey, New York, South Dakota, or Vermont): the Accident Medical Expense benefit is payable on an excess basis. The insurance company will determine the reasonable and customary charge for the covered medical expense. It will then reduce that amount by amounts already paid or payable by any other plan and will pay the resulting amount less the deductible.


Treatment, services or supplies incurred for but not limited to:

  • Medical care and treatment by a Physician
  • Hospital room and board and inpatient and outpatient care
  • Prescription drugs and medicine
  • Diagnostic tests and x-rays
  • Emergency transportation
  • Dental care and treatment due to accidental bodily Injury
  • Physical therapy
  • Rental of durable medical equipment
  • Artificial limbs and other prosthetic devices
  • Orthopedic appliances or braces
  • Eyeglasses, contact lenses and other vision or hearing aids.