Common Questions
What is a Third Party Designee?
A third party designee is a person of your choosing that we will notify if your policy is in jeopardy of lapsing due to nonpayment of premium.
What is needed to make an address or phone number change?
You may simply call customer service to update your address or phone number. You may also submit a signed written request to our office.
How do I file a claim for the first time?
If you are filing a claim for the first time we will need a completed application for benefits packet, which includes information from you, your doctor, and the facility or provider. You can find more information on submitting forms here.
What do I need for ongoing claims?
For ongoing services to be considered please submit continued proof of loss. You can find more information about ongoing claims here.
What is my Alternative/Alternate Plan of Care (APOC) benefit?
The company may consider benefits under APOC for alternative providers, facilities, etc. when the policyholder meets the eligibility criteria for the policy's basic benefits and complies with the other requirements of APOC found here.
Are my benefits good in another State?
Yes. As long as you meet your eligibility for benefits under your policy, you may use your policy in any State.
Why have I not received a premium notice?
Premium notices are generated 20 days before the premium due date.
Do you accept credit card payments?
Currently at this time, SHIP does not accept credit card payments.
Do I have a grace period on my policy premiums?
Yes.
Where do I send my premium payments?
For policies that were formerly American Travelers, please send to:
Senior Health Insurance Company of Pennsylvania
P.O. Box 371803
Pittsburgh, PA 15250-7803
For policies that were formerly Transport Life, please send to:
Senior Health Insurance Company of Pennsylvania
P.O. Box 371809
Pittsburgh, PA 15250-7809
Is there an overnight premium payment address?
For policies that were formerly American Travelers, please send to:
Senior Health Insurance Company of Pennsylvania
Attn: 371803
500 Ross Street, 154-0470
Pittsburgh, PA 15250
For policies that were formerly Transport Life, please send to:
Senior Health Insurance Company of Pennsylvania
Attn: 371809
500 Ross Street, 154-0470
Pittsburgh, PA 15250
Why did I receive a 1099-LTC?
Any claim payment made on a Long Term care policy over the last year receives a 1099-LTC.
What options are available to lower my policy premiums?
SHIP, under the supervision of an Oversight Trust, exists solely for the benefit of policyholders. As both SHIP and the Trust operate without profit, options can be offered to lower your premium. This is especially important when SHIP, based on its claims experience, must raise rates, subject to regulatory approval, to protect policyholders.
As SHIP is committed to providing alternatives to help you continue to afford coverage, options are available to decrease your policy premiums by reducing benefits including:
- maximum benefit period
- maximum daily or monthly benefit amount
- elimination period
- optional riders (i.e. benefit increase rider, return of premium rider, home health care rider)
Does SHIP offer provider discounts or provider referrals?
As a SHIP policyholder, you can receive valuable support and services to help ensure you get the care you need in the setting you prefer, for the best price extending your contract benefits. You may contact us to request a list of eligible home care and nursing facility providers in your area. This program can provide you with an extensive, nationwide network of long term care providers, many of which offer service discounts and contracted hourly rates for home care providers.
The provider discount program can result in significant savings for you and your family to preserve your benefit dollars and reduce out of pocket expenses. The program may also serve to assist you in locating a provider that meets the eligibility criteria outlined in your policy. Please contact Customer Service at (877) 450-5824 prior to putting care in place to take advantage of this program.
Disclaimer: Discounts may vary by provider. Provider recommendations are not a guarantee of benefits.