An accident can be traumatizing. You shouldn't have to be further traumatized by the bills from expenses not covere by your major medical insurance.
If you have an accident that requires medical attention, your first thought shouldn't have to be, "How am I going to pay for this?" or worse, "How will I pay my bills if I can't work?"
As you've probably noticed, your primary insurance plan doesn't cover all your expenses. And if you have an accident that requires medical attention, weighing the option of whether or not to get treatment may n ot be an option at all.
Even with major medical insurance, out-of-pocket expenses can quickly add up. With copays, deductibles and coinsurance for doctor office visits, emergency room charges, x-rays, hospitalization, and other medical and non-medical expenses, having an accident can be very expensive. That's why we offer Accident Insurance to help you pay those costs.
Accident Insurance gives you first dollar coverage, which means you receive cash benefits upfront, paid directly to you, to use however you need them. The benefits can even be applied towards meeting the deductible or copays from your primary insurance plan.
If you have a covered accident, your Accident Insurance will pay you a cash benefit for doctor office visits, lab tests, ambulance service, emergency room treatment, hospital confinement and more. The coverage also includes a lump sum cash benefit for specific types of injuries including fractures, dislocations and burns, as well as accidental death.
Accident Insurance' is simple to use. It pays in addition to any other insurance you may have and there are no deductibles or coinsurance.