A lot of people have increased the deductibles on their health insurance plans now because that’s were the better rates can be found. New plans cover preventive care completely with no deductible, so these plans are really a good deal in most cases. One notable exception is for covering common accidents, and you know why they’re called common.
Not to fear – there’s an solution that lets you keep your low-cost high-deductible health plan. Just add a personal accident insurance plan. The idea is that your high-deductible plan will still provide you regular preventive care with no out-of-pocket costs and your accident plan will keep your out-of-pocket costs down to just $100 if you get hurt.
Some accident plans even come with other benefits, such as discounts on imaging services, like MRIs. You can also benefit from discounts on lab tests and even prescriptions. Sounds like just the kind of things you might need after an accident, doesn’t it?
You can cover your whole family with accident insurance in case your health insurance has a deductible per family member on your plan. You’ll probably be surprised by how little accident insurance costs, too. We scour the market for the best rates for you and find the companies that offer a little extra, like discounts.