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Monthly bills are generated and mailed from our office each month. We strive to have your bills mailed to you by the 25th of each month for the coming month. Each billing will have your employees listed in the order that you requested; social security number, alphabetical or employee number. Each employee will have all of his/her policy numbers listed with the amount due for each policy and then an overall total due for each employee. Product type, coverage type and effective dates for each policy will be indicated on the list bill. Listed below are the different codes used to determine who has coverage under the policy. This code will be listed on your bill under coverage type.
All policies have a 31-day grace period in which premium should be received in our office. Groups participating in a Section 125 or Cafeteria plan in which premiums are being deducted in the same month the premium’s due are allowed an additional 15 days to remit payment.
Our goal is to send complete and accurate billing statements each month. In the event you find information that is inaccurate, please mark your statement with the correct information so we can update our records. If you wish, you may email us or contact our Customer Service team at 866-874-5725 to speak to one of our representatives who will be happy to assist you.
In the event an employee wishes to cancel his/her coverage, simply mark through the policy or policies that should be canceled and reduce the total amount due by the amount being canceled. For our records, please submit a request for the cancellation along with your remittance. The request should be signed and dated by the employee. (No special form required.)
To cancel an employee's coverage due to termination, draw a line through the employee's name and indicate the employee has been terminated. Reduce the total amount due by the amount.
As a courtesy to our customers, if the policy is eligible to be kept on an individual basis, we will notify employees when premiums are no longer being paid through payroll deduction and offer alternative billing methods. Certain products are only available under a group master policy and can only be carried under the group plan. To identify these products, look on your billing statement under the column headed (GRP). If there is a (Y) placed in this column, it’s a group specific product and is not eligible to be kept on an individual basis.
Group policies with the exception of Disability products are eligible to be kept under COBRA. Any employee wishing to continue coverage under COBRA, should complete a CONTINUATION OF COVERAGE application (form APLCOB) and submit to our office along with the first month's premium due. Employees who are participating under COBRA will appear on your monthly invoice. You will be able to identify these participants, as the word COBRA will appear out beside his/her name. The eligible person is responsible for submitting premium to your office each month. Once the eligibility period expires, we will notify your office and the eligible dependent that coverage has terminated. For additional information on the COBRA act, see the compliance section of your administration kit.
If an employee is off without pay or if a premium payment is missed, the policy will lapse. Upon returning to work, the employee must complete a Reinstatement form and submit it to our office for approval. Dental policies are not eligible for reinstatement, however if the employee returns to work within 60 days, he/she may pay the entire back premium and continue their dental plan without any lapse in coverage. All other policies are eligible for reinstatement up to six months after lapsing. DO NOT RESUME PAYING PREMIUM UNTIL OUR OFFICE HAS NOTIFIED YOU THAT THE REINSTATEMENT HAS BEEN APPROVED.
Policies other than dental can be reinstated up to six months after cancellation. If an employee chooses to cancel his/her policy and later wishes to continue coverage, he/she will need to complete a Reinstatement form and submit it to our office for approval. Upon receipt of the application, a determination will be made to approve or decline the reinstatement. We will notify the employee of the decision and if approved, we’ll send a new payroll authorization for the employee to sign and turn in to the payroll office. DO NOT RESUME PREMIUM PAYMENTS UNTIL YOU HAVE BEEN NOTIFIED THAT THE REINSTATEMENT HAS BEEN APPROVED.
The following changes should be requested on the POLICYOWNER'S REQUEST FOR POLICY CHANGE form MP-2.
The completed form should be mailed to our office at the following address:
APL
PO Box 925
Jackson, MS 39205-0925
You may also fax your completed form to our office at 601-932-9011. All requests for changes should be received in our office 30 days prior to the desired change date.
Employees wishing to drop dependents from coverage should complete section 6 on the POLICYOWNER'S REQUEST FOR POLICY CHANGE form MP-2 indicating "Drop Dependent Coverage" and specifying which dependents, if not all, that should be dropped. Upon receipt of the request, our records will be updated and a new payroll authorization reflecting the premium change will be forwarded for the employee to sign. The request for canceling dependents should be received in our office 30 days prior to the desired cancellation date.
Cancer, Accident, Critical Illness, MEDlink®, Hospital Indemnity and Life Insurance
Dependents being added to coverage after the policy has been issued are subject to insurability. To add dependents, please have the employee complete a new application, which can be obtained from your agent or you may email us and we’ll have an agent contact you. Upon receipt of the request, a determination will be made for the issuance of the new coverage. We will notify the employee of the issuance decision and, if necessary, send a new payroll authorization for the employee to sign. Requests to add dependents must be received in our office 30 days prior to the desired effective date.
Dental Insurance
Dependents can be added to dental policies on the policy anniversary date or at any time when a qualifying event has occurred. Qualifying events include:
Dependents can be added by completing a new application. If the Dependents are being added due to a qualifying event, a brief description of the event should be stated on the back of the application. Requests to add dependents must be received in our office 30 days prior to the desired effective date.
Monthly bills are generated and mailed from our office once a month. We strive to have your bill mailed to you by the 25th of the month prior to the premium due. If you have not received your bill by the 1st of the month when the premium is due, please contact us via email so that we can send you a new bill.
All policies have a 31-day grace period in which premiums can be received in our office. Failure to pay the premium within the 31 day grace period will result in termination of your insurance coverage.
APL requires written notice to cancel your policy within the grace period. If premium is not paid within the grace period, your policy will automatically lapse. (No special form required.)
As a courtesy to our customers, if the policy is eligible to be kept on an individual basis, we’ll notify employees when premiums are no longer being paid through payroll deduction and offer alternative billing methods. Employees requesting to continue their coverage after separation may also complete a BENEFIT CONTINUATION REQUEST CARD and drop it in the mail to us. Your group administrator should have this card in their administration kit. Certain products are only available under a group master policy and can only be carried under the group plan or in some cases under "COBRA." Upon receipt of your request, we’ll advise you of your policy's eligibility.
If you are off work without pay and a premium payment is missed, the policy will lapse. Upon returning to work, you must complete a Reinstatement form and submit to our office for approval. Dental policies are not eligible for reinstatement, however if you return to work within 60 days, you may pay the entire back premium and continue their dental plan without any lapse in coverage. All other policies are eligible for reinstatement up to six months after lapsing. DO NOT RESUME YOUR PREMIUM PAYMENTS UNTIL OUR OFFICE HAS NOTIFIED YOU THAT THE REINSTATEMENT HAS BEEN APPROVED.
Policies other than dental can be reinstated up to six months after cancellation. If you choose to cancel your policy and later wishes to continue coverage, you’ll need to complete a Reinstatement form and submit to our office for approval. Upon receipt of the application, a determination will be made to approve or decline the reinstatement. You will be notified via mail of our decision. DO NOT RESUME PAYING YOUR PREMIUM UNTIL YOU HAVE BEEN NOTIFIED THAT THE REINSTATEMENT HAS BEEN APPROVED.
The following changes should be applied for on the POLICYOWNER'S REQUEST FOR POLICY CHANGE form MP-2.
The completed form should be mailed to our office at the following address:
APL
PO Box 925
Jackson, MS 39205-0925
You may also fax your completed form to our office at 601-932-9011. All requests for changes should be received in our office 30 days prior to the desired change date.
To remove dependents from coverage, please complete section 6 on the POLICYOWNER'S REQUEST FOR POLICY CHANGE form MP-2 indicating "Drop Dependent Coverage" and specifying which dependents, if not all, that should be removed. Upon receipt of the request, our records will be updated. The request for canceling dependent coverage should be received in our office 30 days prior to the desired cancellation date.
Cancer, Accident, Critical Illness, MEDlink®, Hospital Indemnity and Life Insurance
Dependents being added to coverage after the policy has been issued are subject to insurability and require a new application to be completed. You may contact your agent or email us and we will have an agent contact you. Upon receipt of the application, a determination will be made for the issuance of the new coverage and a letter advising you of our decision will be sent to you.
Applications to add dependents must be received in our office 30 days prior to the desired effective date.
Dental Insurance
Dependents can be added to dental policies on the policy anniversary date or at any time when a qualifying event has occurred. Qualifying events include:
Adding dependents requires a newly completed application. You should contact your local agent or you may email us and we we’ll have an agent contact you. If the Dependents are being added due to a qualifying event, a brief description of the event should be stated on the back of the application. Applications to add dependents must be received in our office 30 days prior to the desired effective date.
During the life of the policy, APL will allow one duplicate policy at no charge. Email or fax your request to 601-932-9011. If you have previously received a duplicate policy and are in need of another one, you will need to mail your request along with your remittance of $20 to our office at PO Box 925, Jackson, MS 39205-0925.
Please complete form G-112R and mail it to our office at P.O. Box 925, Jackson, MS 39205-0925 along with a voided check or you may fax your completed form and a copy of the void check to 601-932-9011.
Yes. We need the information to identify your policy and, if it’s necessary to request additional information from your doctor, we must have your signed authorization from the claim form to do so.
We will accept legible copies of your medical bills.
This is the bill you receive from the hospital six to eight weeks after discharge that itemizes the charges for every drug you were given, supply you used, x-ray that was taken, etc. It’s usually several pages long. It’s not the summary bill that shows the charges you incurred from each department of the hospital. The itemized hospital bill lists each item you are being charged for within each department.
Unfortunately, no. Doctors and hospitals rarely have any interest in your coverage with APL because benefits are normally paid directly to you, unless you have assigned them to the medical provider. Therefore, they will not release this type of information to us. You must obtain the bill showing the charges necessary to file your claim.
There are three ways you may verify coverage.
You may submit your claim by:
Fax: 877-365-9423
Email: Claims@ampublic.com
Mail to: APL Claims Department
P.O. Box 925
Jackson, MS 39205
Yes we do! Claims filed with "signature on file" will be paid directly to the provider.
Commissions are calculated twice per month; on the 15th and the last day of the month. If you are set up to receive your commission through direct deposit and your commission earnings total $100 or more for that payment period, you will receive a deposit on the next business day after the cutoff. If you are set up to receive a check, and your total commission is more than $100 for the month, you will receive your check at the beginning of the following month.
Contact Sales Support for an Electronic Funds Transfer form. Once you have completed the form, please fax it to Cynthia Trigg at 601-936-2157.
The commission statements are available online within 3 business days of the commission period. You may download the statement as a PDF or excel document through your OSC secure account.
Our sales support team will be happy to assist you with any of your sales material needs, quotes or proposals. They can be reached at 866-980-7483 or by email at sales@ampublic.com.
We accept applications several ways:
APL New Business
P. O. Box 925
Jackson, MS 39205
To send overnight, please use our physical address:
APL New Business
2305 Lakeland Dr.
Flowood, MS 39232
Please note: Sending applications via email is NOT secure.
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