Do you know that accidents account for over 70% of medical claims in the U.S? In 2013 the average cost for an ER visit in the U.S. was nearly $2200. For most of us our deductible and maximum out of pocket costs with our major medical health insurance are higher, which means in the event of an accident we will have to pay out of pocket most or all of that bill. Would an affordable insurance product that protects you from any accident related medical costs be beneficial to you?
How Accident Insurance Works
An Accident benefit plan acts as a bridge for any accident-related claims in conjunction with your high deductible major medical health plan. It pays benefits directly to the policy holder, and the great thing about one of our plans is that it does not coordinate benefits with your major medical health insurance. Meaning, with a maximum $15,000 benefit amount and a $250 deductible, if you can show up to $15,000 in accident related medical expenses (per calendar year) then you will receive a check for that amount minus your $250 deductible. Regardless of what your deductible and maximum out of pocket costs are with your major medical health insurance. So, in the majority of cases the most you will be out of pocket for any accident related medical costs is $250!
To find out how this policy can fit as an important piece to your medical coverage, or to get a quote, please call us today! 303.466.5500