AAOS MEMBER INSURANCE PROGRAM
What are the goods and services offered by AAOS?
AAOS-Endorsed Insurance Program offers insurance products through various carriers for AAOS members. Pearl Insurance markets and acts as administrator for these Life and Health plans, which includes services for policy related questions, claim coordination and online bill payment option for premium.
What are the insurance policy requirements for policy cancellation and refund?
If an insured elects to cancel his/her policy, a written request signed by the owner of the policy is required in order to process the cancellation.All policy cancellation and refund requests must also include the following:
- Name of Insured, as appears on the policy
- Policy Number found on Insured’s policy
- Subscriber ID # found on Insurance Premium Statement
- Effective Date of Policy Cancellation
Policy Cancellation and Refund
If a refund is due to the insured for a mid-term policy cancellation, a refund will be issued within 30 days of receipt of the cancellation notice. Refund payments will be issued in the same manner in which the customer submitted payment (i.e. Credit Card, ACH, or check).Policy Cancellation requests should be sent to:
AAOS Member Insurance Program
1200 East Glen Ave.
Peoria Heights, IL 61616-5348 USA
What transaction currency is accepted?
Payments are only accepted in U.S. Dollars.
Are there any export or legal restrictions?
The information and materials provided in the Site are intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to Pearl Insurance Group’s products and services. All coverages are subject to the terms and conditions of the insurance policies issued. Coverage availability may vary by your individual circumstances and / or by additional minimum coverage limits that may be required within your state. The products and services offered in the Site are only available in the jurisdictions in which Pearl Insurance Group is properly licensed.
What is the delivery policy?
Delivery of policy information will be sent to the insured via US Postal Service upon receipt of payment.
What is the security method for the transmission of payment data?
AAOS-Endorsed Insurance Program Online Pay secures your personal information from unauthorized access, use or disclosure. AAOS-Endorsed Insurance Program Online Pay secures the personal identifying information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
For risk management, and for processing certain types of follow-up transactions (for example, recurring billing or refunds), our credit card vendor, Authorize.Net®, will store customer payment information in a highly secured database for a limited period of time. However, all sensitive or personal identifying insured information that is stored by Authorize.Net® will be masked in the Merchant Interface and in merchant reporting. Additionally, in order to maintain compliance with credit card security compliance programs, internal access to insured information is highly restricted. Once insured payment information has been stored for 120 days (from the date it was originally received), Authorize.Net® purges the full information and stores only masked information.