HOW TO FILE A SCHOOL ACCIDENT INSURANCE CLAIM

If your son or daughter has an accident during a Liberty School District school class or school activity that requires medical treatment by a doctor within 30 days from the school accident date, please go to the school nurse's office where your son or daughter attends school and file a school accident report. A claim form will then be given to you for completion and for you to send to the KidGuard Insurance claim office. Please follow the instructions printed on the claim form. You will need to attach copies of all itemized medical bills to the claim form and mail to the address printed at the top of claim form.  If you have other family insurance, you must first submit  all medical bills to your family insurance plan before being eligible to receive any supplemental benefits from the school accident insurance policy. The school policy will only consider payment of bills that are not paid or collectible from any other insurance or HMO or PPO sources.

Mail the completed claim form along with copies of all medical bills and a copy of the explanation of benefits received from your personal family insurance indicating what they will pay to KidGuard Insurance. A completed claim form must be submitted  to the claim department no later than 90 days after the date of accident to be eligible to receive school insurance policy benefits.

CLAIMS CANNOT BE SUBMITTED ON-LINE because a school signature and copies of original medical bills are needed to process your claim. You only need to submit ONE completed claim form for each accident. You do not have to send another claim form if you are submitting additional bills that come in later.  To submit additional bills, simply note on the bills the student's name and school district and forward to the KidGuard Insurance claims office.

PLEASE DO NOT CALL THE SCHOOL ABOUT THE STATUS OF A CLAIM. Contact the plan administrator: KidGuard Insurance [Phone 800-432-6915 or Fax 407-798-0296] if you need answers to claim or coverage issues. The school does not keep records regarding claims. All claims are processed by the KidGuard Insurance claims office.

FILING A CLAIM DOES NOT GUARANTEE THAT YOU WILL BE REIMBURSED FOR YOUR CHILD'S MEDICAL EXPENSES. THE SCHOOL POLICY HAS LIMITATIONS AND EXCLUSIONS THAT MAY APPLY TO YOUR CHILD'S CLAIM.  We encourage all parents to read the sections in this website summarizing the policy benefits, terms, limitations and exclusions.

IMPORTANT: When contacting the claim office about a claim, please state the full name of your injured son or daughter and the name of the SCHOOL DISTRICT where he or she attends school. Generally, valid claims are processed within 7 working days after receipt of the completed claim form, itemized bills, and evidence of what medical bills were paid or not paid by your primary insurance plan. Leaving areas on the claim form blank will delay claim processing.  All areas on the claim form must be completed in detail. Falsifying claim information and not disclosing all other collectible sources of coverage is a violation of state laws and may result in your claim being ineligible to receive school insurance benefits.