AIG Companies -- Domestic Accident & Health Division

Get the Broad, Affordable Coverage You and Your Family Need Contractor Management Services (CMS) is pleased to offer you Flex Shield from the Domestic Accident & Health Division of the AIG Companies®. This affordable insurance covers a wide variety of important accident and sickness-related needs, and you may receive lump-sum cash benefits you can spend as you like to provide for yourself and your family.

A Choice of Two Coverage Options Flex Shield offers you a choice of coverage options to fit your budget, Bronze and Gold. Both options are designed to help fill insurance gaps with a comprehensive range of accident and sickness-based coverages, such as doctor’s office visits, preventive care, hospital stays, emergency room visits, prescription drugs, surgical procedures, and more. The Gold option provides additional benefits and generally higher benefit amounts.

Easy to Understand and Use

First-dollar benefits—The policy pays specific cash benefits directly to you (unless you designate otherwise) without deductibles or co-payments, in addition to any other insurance coverage you may have.

Cash to spend as you wish—You can use the money for unreimbursed medical expenses, alternative treatments, travel, home help, or any other purpose.

A discounted network to enhance your coverage—A discounted nationwide network of premier physicians, hospitals and medical centers is available to help your Flex Shield benefit dollars go further.

Family coverage available—You can insure your spouse and eligible dependent children.

Timely, responsive claims service—All claims are handled by a team of seasoned professionals with the expertise to provide skillful assistance and swift, responsive aims processing.

Affordability and convenienceYou buy coverage at affordable group rates with convenient automatic payments.

CMS offers this product in the following states:

For more information on how to enroll, including rates and exclusions please use the following links:

Flex ShieldSM - Download More Information

Flex ShieldSM - Download Enrollment Form
Return By Faxing To CMS at (518) 881-1851

This information is only a brief description of the coverages available. The Policy contains reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in each Policy. Coverage may not be available in all states. If there are any conflicts between this document and each Policy, the Policy shall govern. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., with its principal place of business in New York, NY and AIG Life Insurance Company (AIG Life), with its principal place of business in Wilmington, DE. AIG Life does not solicit business in New York. 0602.020 2/06