Frequently Asked Questions (FAQ)
Q. What is the difference between Mutual of Omaha Plan 1 and Plan 3P?
A. Plan 1 is secondary insurance coverage which provides accident-only coverage. Plan 3P is primary insurance coverage and includes both accident and sickness coverage.
Q. What is meant by an approved, supervised Girl Scout activity?
A. It is an activity carried out by Members of the Girl Scout Movement, under supervision of adults, in keeping with the Girl Scout Volunteer Essentials and Safety Activity Checkpoints.
Q. Are program activities, such as cookie sales, covered under Plan l?
A. Yes, if they are approved and supervised.
Q. ls coverage provided under Plan 1 if Members of our troop travel outside the United States on a Girl Scout project or activity?
A. Plan 1 serves as secondary insurance for all member and non-member participants of Girl Scout-sponsored/supervised events, regardless of length. GSSEM requires troops/groups to purchase Plan 3PI for international travel.
Q. Would coverage be provided under Plan 1 for medical expenses of a Member who became ill during an approved activity?
A. No. Sickness is not covered: only medical expenses arising out of an accident during an approved supervised activity are covered. For accident plus sickness insurance troops/groups should purchase Plan 3P (or Plan 3Pl for international trips).
Q. Are non-registered adults covered under Plan 1? Are "Tagalongs" (brothers, sisters, friends) covered under Plan l?
A. All Member and non-member participants of Girl Scout sponsored/supervised events are covered by Plan 1.
Q. What are examples of events that could be covered by Plan 3P?
A. GSUSA Destinations Program, and all sorts of trips and travel, including bike, canoe, white water rafting, etc. are just a few examples that may be covered.
Q. When counting the number of days of an activity/event on the application form, do you include the beginning day and ending day of the event?
A. Yes. Since coverage for travel directly to and from an activity/event is covered, all days, including days traveled, should be included, for example, a group leaves home on Friday afternoon and returns home on Tuesday morning. Coverage must be arranged for five calendar days.