How to File a Claim

How to File a USA Cycling Insurance Claim

Overview

USA Cycling provides secondary accident insurance coverage for riders injured during sanctioned events. This guide will walk you through the step-by-step process of filing a claim under the USA Cycling insurance policy administered by BMI Benefits, LLC.

Step 1: Complete the Participant Accident Claim Form

• Download and complete the USA Cycling Participant Accident Claim Form.
• Fill out all required fields accurately, including accident details, claimant information, and insurance details.
• If you do NOT have other medical or dental insurance, indicate this in Part 1B of the claim form, and complete/submit the Statement of No Other Insurance Document
• If the claimant is a minor, ensure that the parent/guardian information is also filled out.
• Sign and date the form and submit to BMI Benefits as soon as possible.

Step 2: Notify Your Medical Provider

• Inform all healthcare providers that you have secondary accident coverage through USA Cycling.
• Provide them with a copy of the provider letter and insurance information card (included in the claim packet).
• Request that they bill BMI Benefits directly after your primary insurance processes the claim.

Important: Do not pay your medical provider upfront. Allow them to bill BMI Benefits directly to ensure proper processing.

Step 3: Gather Necessary Documents

If you receive any medical claims related to your covered accident, please contact the medical provider and confirm they have any primary health insurance and the USAC Secondary Coverage information for BMI Benefits on file. If you need to submit a bill directly to BMI, you will need the following:

1. Completed USA Cycling Participant Accident Claim Form.
2. Itemized medical bills (HCFA 1500, UB04, or ADA Dental forms) with procedure and diagnosis codes.
3. Explanation of Benefits (EOB) from your primary insurance provider (if applicable).
4. Prescription expenses (must include itemized bill, not just a cash register receipt).
5. Proof of payment if you have already paid a medical provider (including receipt and itemized bill).

Step 4: How to Submit to BMI Benefits

Submit all required documents via one of the following methods:

• Email: USAC@bobmccloskey.com
• Fax: 732-583-9610
• Website Upload: Submit a Claim – Bob McCloskey Insurance
• Mail:
  BMI Benefits, LLC
  P.O. Box 511
  Matawan, NJ 07747

Follow Up on Your Claim

• Claims may take several weeks to process.
• If additional information is required, BMI Benefits will send an Explanation of Benefits (EOB) outlining what is needed.
• If you have questions, contact BMI Benefits at:
  • Phone: 800-445-3126
  • Assigned Claims Examiner: Amalia Sperduto (Email: USAC@bobmccloskey.com | Fax: 732-583-1181)

Additional Notes

• Claims must be submitted within 90 days of treatment.
• If your medical provider did not bill BMI directly, you may need to send your documents yourself. Please follow the above steps to make sure the necessary documents are obtained and submitted
• If you used a Health Savings Account (HSA) or Flexible Spending Account (FSA) for payment, those expenses are reimbursable. However, Health Reimbursement Arrangement (HRA) payments are not reimbursable.