A lot of people are unaware that the average trip to the emergency room can cost hundreds or thousands of dollars. How much more if you have a high-deductible health insurance plan? You need to pay off that high deductible before coverage starts. Sad as it may seem, people only realize the need of having a personal accident insurance plan when they experience a trip to the E.R.
An accident insurance plan can back you up with the high cost of medical treatment for accident-related injuries. It is the perfect complement to a high-deductible HSA qualified health insurance plan. An accident plan will reduce your deductible for an accident to only $100. Any benefits paid for by your accident plan will also go towards satisfying your family’s annual deductible for your HSA plan.
There are four coverage options for accident health insurance. The plans cover up to the stated limit every time a covered person suffers accidental bodily injury. When you select $10,000 coverage, you will always have a fixed $100 deductible. If you sustained an accident thrice in a year, you get $10,000 coverage per accident.
With an accident insurance plan, you can go to any doctor or hospital to get medical treatment. Accident health insurance plans may even pay for some things you haven’t even considered. Dental expenses are included to repair injured teeth, and prescriptions for outpatient care are also covered. You can learn more about the different accident insurance plans that are available with our online resources. Run our instant quotes and use our online application. If you have concerns and need to discuss your health insurance options, we can appoint you a personal advisor for a free consultation.