People often buy health insurance not thinking about coverage for accidental injuries. You might be asking why you should buy a plan simply for accident-related medical bills when you’re not in an accident every day. If you want to save money, you should really start considering a personal accident insurance plan. Sure, you can pay top dollar for health insurance with no deductible and you won’t have out-of-pocket costs for health care. However, you probably won’t have any savings, either.
Compared to traditional co-pay plans, those with high deductibles get lower insurance premiums. As a general rule, the higher the deductible, the lower the monthly premiums. That works now that preventive care is exempt from having to meet a deductible. If you get an insurance plan post health care reform, you’ll have no out-of-pocket costs for standard recommended services to prevent illness. You save on health insurance premiums plus you get a lot of necessary health care.
That still leaves a huge gap for medical bills related to common accidents, though. Don’t you want to avoid that risk? An accident insurance plan is very affordable. You only have to pay a fixed $100 deductible to get coverage even without meeting your high deductible. Coverage can range from as low as $2,500 up to $10,000 per accident per member. If you have 5 children, each of them will get $10,000 coverage for accidental injuries. What more could you ask for?
Accident & health insurance plans work to complete your coverage while still keeping your monthly premiums as low as possible. In these times, it’s smart to save wherever you can. Feel free to check accident insurance plan rates here on our website. We also have independent advisors to assist you every step of the way in getting the health care coverage you need.