Plans starting around $14/month*
*Average plan pricing displayed above is for an unmarried 40 year old male, non-smoker, residing in the state of Colorado. Rates and plan availability vary with selected benefits, location, and household circumstances.
Explore additional insurance options:
Freedom to choose network or provider
Benefits are paid out directly to you
Helps cover expenses from an accident
Pays out/inpatient and surgical services
If you have medical insurance with a deductible that you still need to meet and you injure yourself, you may be on the hook to pay the entire bill out-of-pocket unless you have Accident Insurance. Accident Insurance will pay out a certain dollar amount if the insured has a qualifying medical event such as: burns, a concussion, fractures and needs treatment because of those issues after the fact. There are different tier options so you can easily find a plan that fits your monthly budget.
Accident Plans Cover
ER, Hospital, ICU + Out/Inpatient Care
Fractures + Dislocations
Lacerations + Burns
Concussions + Comas
Unintentional injuries account for 21 million medical visits each year, adding up to around $220 billion.
Accident is a broad category and can include everything from slipping on the ladder while you’re cleaning the gutters to sustaining burns after a new recipe goes awry in the kitchen. For these and other accidents, there’s accident coverage. Sold as a separate policy to people with major medical insurance, accident coverage pays out benefits to your provider for covered accidents up to a maximum limit per calendar year.
As with any plan type, coverage varies based on the policy you choose. You might receive between $2,500 and $6,500 per person, per accident depending on treatment type and what you’re receiving care for. Accident coverage requires you to pay a deductible before the plan pays out benefits, which could be about $250. Covered accidents will also vary but typically include things like burns, concussions, lacerations (deep cuts) and fractures, and covered benefits include medical treatments related to those accidents, such as physical therapy or outpatient surgery. These plans can help alleviate some of the extra cost associated with accidents, even if you have health insurance.
“When a simple game of backyard football with the guys landed me with a broken arm, I was remarkably lucky that my bad luck didn’t end up costing me a dime.”