Accident Medical Expense Coverage
Plans starting at $18/mo
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What is Accident Medical Expense Insurance and Who Needs It?
Accident Medical Expense insurance is an excellent 'gap' product for medical expenses resulting from a covered accident. Maximum benefit amounts available, for each accident, range from $2,500 up to $10,000 – with a $0 deductible, which means first dollar coverage. These plans can be used to cover someone's out-of-pocket costs; deductibles on their health plan, co-pays, or coinsurance – costs someone would have to pay out-of-pocket for an accident.
The Accident Medical Expense plan pays for all expenses resulting from an accident that their health plan doesn't cover (deductibles, co-pays or coinsurance) up to the maximum benefit amount purchased; or, if the person doesn't have other health coverage, the Accident Medical Expense plan pays for all expenses incurred from an accident, up to the maximum benefit amount purchased. This plan is available to individuals, couples, or families with children. There are no limits on the number of accidents per covered person. The coverage is available 24x7 – on or off the job.
How much does accident insurance cost?
Here is a broad list of what's covered by an accident insurance policy, along with a few specific types of injuries that may be covered within each category:
- Emergency care – Hospital treatment, ambulance, X-rays, exams or ER visit.
- Specific injury care – Sprains, broken bones, burns, concussion, emergency dental work, ear or eye injury or accidental poisoning.
- Supportive care – Follow-up treatment, physical therapy, prescription meds, supplies, or even transportation and lodging.
- Hospital care – Hospital admission/confinement or intensive care.
- Surgical care – Major surgery, ruptured disc, hernia, outpatient surgery or anesthesia.
- Accidental death – Benefit is paid directly to your beneficiaries if your death is a result of an accident.