Accidents happen, so be prepared. This coverage helps you manage out-of-pocket medical expenses after an accident and ensures your beneficiaries will be taken care of financially in the event of a tragedy.
Our plans work alongside your existing health insurance to provide a safety net in the event of an accident.
These plans protect your family from unexpected medical bills after an accident, providing financial reinforcement.
Plans come in various coverage amounts, allowing you to select a plan that aligns with your budget and financial needs.
Determine your desired benefit amount for accidental death and medical expenses. Consider your lifestyle and any high-risk activities that you participate in.
Look for coverage amounts for death, dismemberment, and medical expenses due to an accident that fit your needs. Review the exclusions list to ensure that you’re covered for your desired situations.
We’ll walk you through the application process. Please provide us with basic health information including health history, age, occupation, and desired coverage amounts. This might involve a medical exam depending on the policy and the provider.
Make sure to carefully review the policy details including coverage, exclusions, and benefit payout procedures.
Once you are approved, pay the premium to activate your coverage.
Manages the financial burden of medical expenses if you’re injured in an accident that is covered by your plan.
Offers a lump sum payment to you and your beneficiaries in the event of accidental death or dismemberment covered by the plan.
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If you work in a dangerous occupation, you may want to consider more comprehensive coverage or adding supplemental accident coverage to your traditional health insurance plan.
How much coverage you need will depend on your existing health insurance plan and your financial situation. Consider all the insurance options you currently pay for and your unique financial needs.
Fixed indemnity plans typically have lower monthly premiums compared to major medical plans. This can be an attractive option for those who can’t afford a comprehensive plan, but still want some financial protection for healthcare costs.
When partnered with a major medical plan, a fixed indemnity plan can help with out-of-pocket expenses you may incur. The pre-determined cash benefits associated with fixed indemnity plans can help offset the deductible, coinsurance or copays that your major medical plan requires.
is the average cost for ambulance transport with basic services.
is the average out-of-pocket health spending cost in America.
is the average length of hospital stay in the U.S.
leading cause of death in the U.S. is accidents.
*According to CDC, Definitive Healthcare, Health System Tracker, and GoodRx Health
Secure Your Future with Accident Insurance
The cost of Accident Medical Expense Insurance depends on several factors. Let’s break down these factors to help you understand how they impact your monthly premium:
Younger policyholders pay lower premiums than older policyholders.
State or region determines the costs of your premium.
If you choose a higher benefit amount, you’ll have a higher monthly premium.
A higher deductible lowers your monthly premium, but you’ll have to pay more out-of-pocket before the insurance begins to pay.
Expenses such as coinsurance, deductibles, and copays.
Manages the cost associated with emergency room visits after an accident.
Helps to cover a portion of your hospital stay expenses if you’re injured in an accident.
Some plans cover physical therapy or rehabilitation costs after an accident.
Expenses that don’t come from accidents won’t be covered.
Long-term care as a result from an accident won’t be covered.
Pre-existing conditions that worsen after an accident, may not be covered.
Reconstructive surgery is typically covered, but not cosmetic procedures.
This depends on your situation. If you have a high-deductible health plan or have concerns about unexpected medical costs after an accident, then you may want to consider adding Accident Medical Expense insurance
You don’t need both Accidental Death and Dismemberment and Accident Medical Expense Insurance. AD&D insurance covers accidental death but not medical expenses and AME insurance covers medical expenses after an accident, but not death. If you need a death benefit, get AD&D insurance as a supplement to life insurance, but if you’re worried about medical costs, get AME insurance.
Accident Medical Expense insurance is not the same as health insurance. It focuses on providing benefits for covered accidents, while health insurance offers broader coverage for a variety of medical conditions and illnesses
Deaths caused by self-inflicted injuries, war, or high-risk activities without the appropriate safety measures are typically disqualified on these policies. Make sure to read the details of your policy carefully to understand what is covered and what is excluded.
The payout amount depends on the level of coverage selected and the severity of the injury as outlined in the details of the policy.
Life insurance is different because it pays the death benefit regardless of the cause of death. Accidental Death and Dismemberment insurance pays a benefit only if the death is caused by an accident such as a car accident, fire, falls, drowning, as well as other specific accidental injuries.
AD&D insurance and life insurance share a few similarities such as providing financial security and a sense of ease knowing your loved ones will be protected in case you pass away.
You typically do not need to wait until Open Enrollment to enroll in Accident Insurance plan. Since Accident Insurance is considered supplemental insurance, many insurers allow you to sign up for it at any time during the year.
Supplemental accident benefits complement ACA marketplace health plans by providing additional financial support for accident-related expenses that may not be fully covered by the primary health plan. ACA health plans cover essential benefits like emergency services and hospital stays, but come with out-of-pocket costs such as deductibles, copayments and coinsurance. Accident Insurance pays cash benefits directly to the policyholder based on the type of injury or treatment received, helping to offset these expenses. The funds received by the policyholder can be used for anything such as medical bills, deductibles, or even non-medical costs like lost wages or transportation.