Your Accidental Death coverage starts the first day of the month after your enrollment form and first premium payment are received.

There’s no obligation with the program’s “Free Look” Period. As soon as you sign up, we’ll send you a Certificate of Insurance. Look it over for a full 30 days. If you’re not completely satisfied, just let us know and we’ll cancel your coverage and refund any premium you’ve paid.

Yes, you can select Member & Spouse coverage. For example, $25,000 Member & Spouse coverage is $3.50 per month.

You can select $25,000, $50,000, or up to $100,000 in accidental death coverage. Monthly rates start at $1.75 for $25,000 coverage (member only).

Not as a Legionnaire – you are GUARANTEED ACCEPTANCE in this special cash benefit program – regardless of your health history, current occupation or hobbies.

Because acceptance is guaranteed as long as you haven’t had cancer (except skin cancer) in the qualifying period. If you’ve been free of cancer up to now, you cannot assume you’ll avoid this danger forever. As cancer incidents become more likely with increasing age¹, the Legionnaire Insurance Trust urges you to take action now.

¹ National Cancer Institute, Age and Cancer Risk, 2025, https://www.cancer.gov/about-cancer/causes-prevention/risk/age

A battle with cancer is expensive. That’s why Your American Legion Department Endorsed Cancer Care Insurance Plan kicks in benefits – paid REGARDLESS OF any other insurance you may have – to help you fight cancer. You collect cash benefits to help with unexpected costs such as hospital stays, operations, doctors, drugs and more.

There’s no obligation with the program’s 30 Day Free-Look. As soon as you sign up, we’ll send you a certificate or policy of insurance. Look it over for a full 30 days. If you’re not completely satisfied, just let us know. We’ll cancel your coverage and give you a complete 100% refund of any premium you’ve paid as long as you haven’t made any claims during that time.

Monthly rates vary by age: Under 50 ($3.16 member only, $5.05 member & spouse), 50-64 ($5.38 member only, $8.62 member & spouse), 65+ ($9.21 member only, $14.72 member & spouse).

Rates increase when you enter a higher age category as shown above. Rates and/or benefits may be changed on a class basis.

Your Cancer Care coverage starts the first day of the month after your enrollment form and first premium payment are received. Benefits are not payable for cancer diagnosed within the first 30 days.

To submit a claim under your Legionnaire Dental, Vision, and Hearing Benefit Plan, simply visit your provider and pay for covered services, then submit your itemized receipt or claim form to Central States Health & Life Co. of Omaha for reimbursement. Claims should include the date of service, type of service provided, and amount paid. Be sure to note which services qualify for immediate coverage (preventive exams at 100% with no waiting period) versus those subject to waiting periods (major dental services and hardware for vision and hearing require a 9-month waiting period). Your $100 annual deductible is waived for diagnostic and preventive dental, eye, and hearing exams. Reimbursement rates for other covered services increase each year: 60% in policy year one, 70% in year two, and 80% in year three and thereafter. For questions about claims, eligibility, or coverage details, contact Central States Health & Life Co. of Omaha or The LIT customer service at 1-800-235-6943.

Many of our products, like the Hospital Help Plan or Cancer Care, are “indemnity plans.” This means they pay cash benefits directly to you, regardless of what your other insurance covers. These funds can be used for out-of-pocket costs, travel to specialists, or everyday bills that major medical insurance doesn’t cover.

Eligibility is exclusive to members of The American Legion, the American Legion Auxiliary, and the Sons of The American Legion (S.A.L.), as well as their families. You must be a member in good standing within a participating Department.

A portion of every premium dollar from LIT programs is returned to participating American Legion Departments. These funds help support local programs like American Legion Baseball, scholarships, and the work of Service Officers who help veterans navigate VA claims.

Once you are enrolled, your insurance carrier will send you a member ID card and a welcome packet. These materials contain detailed information regarding your specific coverage and instructions on how to file claims.

In most cases, no. Your healthcare provider usually submits claims directly to the insurance company on your behalf.

For specific policy details or to check on a claim, you should contact your insurance carrier directly. You can find their contact information on the back of your member ID card or by logging into their online member portal.

If you need help navigating the enrollment process or understanding the “fine print” of your plan, you can speak with a licensed agent for support. You can call 1-844-535-2825 or visit https://www.getmedical.com/?affiliate=lit.

Generally, the answer is “no.” Medicare was never designed to pay all your hospital costs. When you go to the hospital, Medicare and most major medical insurance plans require you to pay a deductible, co-payments, balance billing, and goods and services not covered by your plan. Your out-of-pocket hospital bills could add up to hundreds or thousands of dollars. The Hospital HELP Plan pays you a flat indemnity payment to help with these costs.

Absolutely not. There are NO medical exams or health questions involved when you sign up. As a Legionnaire, you (and your spouse) are GUARANTEED coverage – no matter what your age or health now, subject to the pre-existing conditions provision.

Yes. As soon as your coverage goes into effect, you are immediately covered for any new injuries or sicknesses. Any injury or sickness you’ve had in the last twelve months will not be covered until you’ve gone twelve consecutive months with no medical treatment or you’ve been covered by the Hospital HELP Plan for one continuous year, whichever happens first.

No. It doesn’t matter how often you need to stay in the hospital. You can NEVER be singled out as an individual for cancellation or even a rate increase. There is NO LIMIT to the number of claims you can make.

There’s no obligation with the program’s 30-Day Free Look. As soon as you sign up, we’ll send you a Certificate of Insurance. Look it over for a full 30 days. If you’re not completely satisfied, just let us know. We’ll cancel your coverage and give you a complete 100% refund of any premium you’ve paid as long as you haven’t made any claims during that time.

No, eHealth is not an insurance company. We are an independent health insurance advisor that assists individuals in shopping, comparing and enrolling in health insurance plans. All in one place. We offer plans from major insurance companies like Humana, United, Aetna, Cigna, Blue Cross, Kaiser Permanente, and others, as well as plans from smaller insurers. Rest assured, you can find the same plans at the same price as the insurance companies when you compare and enroll through eHealth.

eHealth is a free service. The prices for plans are the same as if you went directly to the insurance companies. We are compensated by the insurance companies when we help individuals enroll in their plans. Our benefit advisors get paid the same no matter which Medicare Advantage plan you choose, ensuring independent advice and support. Recommendations are based solely on your needs, and we are motivated to find the best plan that matches your requirements for long-term satisfaction.

We provide straight answers to your health insurance questions. We match you with the best Medicare Advantage plan by comparing options from the top insurance companies side by side and understanding your unique coverage needs. Our platform allows you to see which doctors and medications are covered by each plan. You can explore the details and pricing of plans online, and our expert advisors are available to guide you through the selection process via chat or call, ensuring you understand the coverage and pricing before enrolling.

When calling to enroll, please have your red, white, and blue Medicare ID card ready. It’s also helpful to have a list of your current medications and the names of your doctors if you’d like to check if they’re covered under the plan. Having these details on hand will ensure a smooth enrollment process and allow us to assist you more effectively.

Changes to the employer’s health plan can affect whether your coverage remains creditable for Medicare Part B. Review any plan updates carefully and contact the employer’s benefits office to confirm whether the coverage is still considered creditable.

If you later enroll in Medicare Part B during a Special Enrollment Period, you may be required to submit Form CMS-L564, which you and the employer completes to verify that you had creditable employer coverage. Keeping documentation of your coverage can help you avoid potential gaps in Medicare coverage and a late enrollment penalty.

The best age to sign up for Original Medicare depends on your individual circumstances. If you are eligible for Medicare and not working, it is generally recommended that you enroll in Medicare when you turn 65 to avoid any potential penalties. However, if you are still working and have health insurance through your employer, you may be able to delay enrolling in Medicare without penalty. Contact Medicare or your employer benefits office for details on Medicare enrollment criteria.

If you’re already collecting Social Security or Railroad Retirement Board benefits, you’ll be automatically enrolled in Part A and Part B when you turn 65. (Keep in mind that even though the earliest you can take Social Security early is when you are 62 years old — you can’t get Medicare until you’re 65.)

If you’ve been receiving Social Security disability benefits for 24 months, you’ll be automatically enrolled in Medicare Parts A and B starting in month 25 (even if you’re under the age of 65). If you have amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig’s disease, you’ll get Parts A and B automatically during the same month that your Social Security disability benefits start.

LegionCare is absolutely NO COST to you. Coverage has been arranged and paid for on your behalf by the Legionnaire Insurance Trust.

No, you cannot be turned down, no matter how dangerous your job or how often you travel.

No medical exam is required. This is guaranteed acceptance coverage for Legionnaires in good standing.

LegionCare pays benefits regardless of any other coverage you have. It supplements your existing insurance.

Confirmation is required to finalize your LegionCare coverage. You must actively enroll to activate this complimentary benefit.

Yes. Telemedicine members only talk to actual doctors who are U.S. board-certified internists, state-licensed family practitioners and pediatricians licensed to practice medicine in the U.S. and living in the U.S. When you request a consult, you will be connected with a doctor licensed in your state.

Common conditions include sinus problems, respiratory infections, allergies, urinary tract infections, cold and flu symptoms and many other non-emergency illnesses.

Telemedicine is designed to handle non-emergent medical problems. You should NOT use it if you are experiencing a medical emergency.

Yes, you can use telemedicine from anywhere you have a phone.* 

*DialCare Telemedicine is available anywhere in the U.S.

Because Legionnaires are “on-the-move” people. With our active outdoor lifestyles, we’re often “out and about” in cars, planes, buses, taxis, trains, ships, ferries and more. The “ON-THE-MOVE” plan provides “extra-mile” insurance coverage to help protect Legionnaire families in exactly those situations.

Because your spouse is probably on the go about as much as you. Since no one can predict whom or when an accident will occur, Your American Legion Department urges all Members to strongly consider the “member & spouse” option when enrolling in “ON-THE-MOVE.”

The Legionnaire Insurance Trust set up “ON-THE-MOVE” to be paid regardless of any other coverage you may have. That means your beneficiary can collect the “ON-THE-MOVE” cash benefits REGARDLESS of any other insurance proceeds from a medical plan, life insurance, workers’ compensation or any other program.

There’s no obligation with the program’s “Free Look” Period. As soon as you sign up, we’ll send you a Certificate of Insurance. Look it over for a full 30 days. If you’re not completely satisfied, just let us know. We’ll cancel your coverage and refund any premium you’ve paid, as long as you haven’t made any claims during that time.

No. As a Legionnaire, you’re officially eligible to receive this coverage. You cannot be turned down regardless of your health, occupation, past driving records, or the number of miles you travel annually.

Your vision plan should cover an annual comprehensive eye exam, frames or contacts, and lens enhancements. Other things to consider are how often you want new glasses and your overall frame allowance. Some plans may highlight low rates, but provide an overall low frame allowance, or don’t provide a lot of savings on lens enhancements (where costs can really add up). Plus, you’ll want to make sure the doctor network includes convenient locations. Read the plan details to ensure you’re getting the right plan for your needs.

No, but you’ll get the most from your benefits when you stay in-network. VSP has the largest independent doctor network in the country so you’re sure to find a practice close by.

Using an Individual Vision Plan is easy. First, pick the plan that’s right for you and the payment option that best fits your needs. Then, visit an eye doctor, (going in-network will help you get the most from your benefits) to receive a comprehensive eye exam. If corrective vision is needed, your eye doctor can help pick glasses or contacts to best fit your style. You pay your copay at the doctor’s office along with any options outside of your plan coverage, and the doctor will take care of processing your benefit claims.

Our vision plans provide savings on many lens enhancements:

• Scratch-resistant coating – A clear coating that is less likely to scratch than uncoated lenses.
• Anti-glare (anti-reflective) coating – A coating that increases a lens’s light transmission. It also reduces the amount of light reflected from the lens surface and eliminates ghost images.
• Impact-resistant lenses – Lenses built from polycarbonate material, which is up to 10 times stronger than glass or plastic lenses.
• Progressive (no-line multifocal) lenses – Progressive lenses are line-free, and their prescription strength gradually changes from distance to intermediate to near vision.
• Light-to-dark (photochromic adaptive) lenses – Light-sensitive lenses that darken when exposed to sunlight and lighten when sun exposure is reduced.
• UV protection – A lens treatment that absorbs the harmful portion of UV light found in sunlight.

High-index lenses – These thinner, lighter lenses are designed to improve comfort and attractiveness for those with high prescriptions.

Emergency Assistance Plus is a membership program, not insurance. Therefore, all services must be arranged and provided by EA+ at the time of service. Since this is a service that assists in real-time, all the paid services under your membership will be arranged and paid in full upfront by EA+ as necessary at the time of need, so you never have to worry about making payments upfront and getting reimbursed later. To arrange services, please contact the Emergency Assistance numbers located on the back of your membership card, also provided here for convenience:

Within U.S.: 866-816-2073
Outside U.S.: +1-603-328-1752

Emergency Assistance is available 24/7/365 days a year. 

Contact the LTCRplus benefits concierge for assistance at (844) 582-7587.

Call our Member Benefits team at 1-800-235-6943 and they will walk you through the claims process as well as explain the items needed for this type of claim.

Visit www.ClaimFormAssist.com for more information on submitting your Cancer or Hospital Indemnity claims. This site will provide information on how to Fast Track your claims and what materials you will need to provide.