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Accident health insurance supplements in the United States have several different names including Accident Only Coverage, Accident Medical Expense Benefit, and 24-Hour Accident Coverage. Plans can be used with any medical clinic, urgent care facility, emergency room, or hospital. Injury supplements have no health questions when enrolling and plans are guarantee issue up til age 70. Supplements only pay for injuries that occurred after the policy effective date.
This type of accident medical coverage is actually an indemnity plan which basically means compensation insurance. Plans are not marketed as insurance and work by compensating plan members up to a predetermined benefit amount per covered injury. Typical injury benefit amounts are $2,500, $5,000, $7,500, or $10,000 US dollars per injury. Plans pay out per injury and per accident. Deductibles for this style of supplement range from $100 to $200 dollars. Plans pay part of the doctor or hospital bill up to the maximum benefit amount selected minus the $100 dollar deductible. Supplement are popular for covering a HDHP (high deductible health plan) or just a personal injury plan.
Accident health insurance supplement benefits at a glance:
-Doctors visits (inpatient and outpatient).
-X-rays, MRI's, other diagnostic tests for bodily injuries.
-Ambulance Expense.
-Operating room costs.
-Prescription Drugs.
-Doctors fees for surgery (in or outpatient surgery).
-Anesthesia Services.
-Dental treatment for injury to sound natural teeth.
-Hospital Emergency Care.
-Registered nurse fee.
-Miscellaneous hospital expenses during stay, outpatient surgery, operating room costs, lab tests, x-ray exams, anesthesia, and physical therapy services and supplies.
-Hospital room & board, general nursing care (up to semiprivate room rate)
Accident health insurance supplement price guideline at a glance:
Family: $5,000 accident coverage benefit - $35.00 dollars a month (includes everyone)
Family: $7,500 benefit - $41.00 a month
Family: $10,000 benefit - $47.00 a month
(Family rates include everyone. Ten person family is the same price as 4 person family. Good plans cover organized sports related injuries for kids up to age 18).
Individual: $5,000 accident coverage benefit - $22 dollars a month.
Individual: $7,500 benefit - $28.00 a month.
Individual: $10,000 benefit - $34.00 a month.
About this Author
Adam Santi has been a licensed medical insurance broker since 2004. Adam is also a Gracie Jiu-Jitsu Black Belt and has become an expert on getting himself injured, being tapped out, and going to emergency rooms. Check out my website to learn more and apply online to the industries leading accident health insurance supplements.
Accident Health Insurance Supplement
http://www.accidenthealthinsuranceplan.com/
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