MEDlink® is guarantee issue with no medical questions or exams when covered under your other medical plan. ID cards are provided to you, so benefits can be assigned to your provider — making the claims process simple!
MEDlink® Gap Insurance
Health care expenses are on the rise. APL’s MEDlink® is gap insurance* that’s designed to work with your major medical and high deductible health plans to help fill the gaps left by deductibles and copays — covering much of the out-of-pocket costs left after your major medical insurance has paid.
What are the benefits of MEDlink®?
Supplement your medical insurance with the added protection of MEDlink®. Simply use your medical insurance as usual, and MEDlink® will help cover charges for in-patient and outpatient services that major medical insurance won’t pay. Just present your MEDlink® ID card at your provider’s office or submit your claim online to get benefits paid directly to you.
Why Buy Gap Insurance?
MEDlink® from APL is gap insurance that may help cover the expenses major medical doesn’t. Have a closer look.
Have a MEDlink® claim?
View helpful resources to guide you through the process of submitting a MEDlink® claim.
Questions? We’re here to help!
Find answers to the most commonly asked questions.
If you prefer to talk, you can always call us at 800-256-8606.
How do I add dependents to my Accident, Cancer, Critical Illness, Everyday Solutions, Hospital Indemnity, MEDlink® or Life insurance policy?
Adding dependents to your coverage after the policy has been issued is subject to insurability requirements and requires a new application. Call your agent or contact us by email or call 800-256-8606 and we’ll connect you with your agent. Once we receive your application, we’ll carefully evaluate your application for new coverage and inform you of our decision via mail.
Please be sure all requests are submitted to our office at least 30 days before the desired effective date of coverage.
How do I make a change to my policy?
To request a change to your policy, including change of address, name, occupation, dependent coverage, remove a rider or request a duplicate policy, please download and complete the applicable section(s) of the Change & Request Form and return the completed form to us by fax at 877-807-0911 or mail to: APL, P.O. Box 269105, Oklahoma City, OK 73126-9105.
To request a Change of Beneficiary or a Change of Ownership, download the applicable form and follow the instructions provided.
Please be sure all requests are submitted to our office at least 30 days before the desired change date.
Do I have to fill out a claim form?
For consideration of most benefits, you need to complete a claim form either by filing your claim online in the Online Service Center or a paper claim form.
We may also need a signed Authorization to request additional information from your doctor to assist us in reviewing your claim, which is included in the claim form to help expedite the process.
Save time by uploading your claim form and supporting documentation from your Online Service Center account, or submit forms by fax at 877-365-9423 or mail to:
P.O. Box 248950,
Oklahoma City, OK 73124-8950
Related products and benefits
We help people prepare for the unexpected with financial protection from the costs of a covered accident, injury or sickness. Discover how our supplemental benefits may help cover the out-of-pocket expenses major medical wasn’t designed to pay.
Accident
Accident
Even the best medical insurance may have deductibles and copays. Help protect yourself from the high cost of a covered accidental injury.
Learn More
Cancer
Cancer
Cancer can be devastating, but you may get financial protection to help cover expenses associated with the detection and treatment of a covered cancer diagnosis.
Learn More
Critical Illness
Critical Illness
Help be financially prepared in the event of a heart attack, stroke, cancer or other covered condition.
Learn More
Disability
Disability
Short Term Disability insurance may help protect your paycheck if you experience a covered disability, with cash benefits paid directly to you.
Learn More
Hospital Indemnity
Hospital Indemnity
For more than just hospitalization, it may help cover costs associated with visits to doctors’ offices, emergency rooms, urgent care facilities and more.
Learn More
Term Life
Term Life
Multiple plan options may help provide peace of mind for the future.
Learn More
*This Supplemental Medical Expense policy provides limited benefits.
Underwritten by American Public Life Insurance Company. This product has limitations and exclusions. For complete benefits and other provisions, please refer to the policy/certificate/riders. A hospital is not an institution, or part thereof, used as: a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a long-term nursing unit or geriatrics ward, or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients. All benefits may not be available in all states, does not replace Workers’ Compensation Insurance, is not a Medicare Supplement Policy and is inappropriate for people who are eligible for Medicaid coverage.
Other products listed may contain limitations, exclusions and waiting periods. See your specific policy for full coverage details. All benefits may not be available in all states. Some products may not replace Workers’ Compensation Insurance and may be inappropriate for people who are eligible for Medicaid coverage.
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