Accident Insurance
A broken wrist should not become a financial event. Accident plans pay cash straight to you for the bills your deductible leaves behind.
Your Deductible Does Not Absorb an Accident.
Modern health plans keep premiums down by pushing more cost to the deductible. That works fine until an accident produces an ER visit, imaging, and a course of physical therapy inside the same month.
Accident plans pay a fixed cash benefit on those events, paid to you rather than to the hospital. You decide whether it covers the deductible, the time off work, or the drive to the specialist.
- Cash benefits for ER visits, urgent care, imaging, and rehab
- Paid directly to you, to use however you need
- Works alongside any health plan, including high-deductible plans
- Family cover that follows kids to practice and games
What to Know Before You Decide
What You Get
- A schedule of fixed benefits by event, known in advance
- Benefits paid to you, not to a provider
- Coverage that stacks on top of your existing health plan
- Low monthly premiums relative to the exposure it covers
What to Watch For
- Benefits are scheduled amounts, not a percentage of the bill
- Accident plans cover injury, not illness
- Check whether sports and recreational activities are included
- Read the benefit schedule, since carriers vary widely on amounts
Common Questions
Health insurance pays providers toward your medical bills. An accident plan pays you a fixed cash amount when a covered event happens, which you can use for anything, including the deductible your health plan leaves.
No. Accident plans cover injury. Critical illness and cancer plans are the equivalent product for diagnoses, and Rusty can quote both together.
That is the situation where it most often pays for itself, because the gap between what your plan covers and what you owe is at its widest.
Related Services
Long Term Care
The extended-care cost Medicare does not cover, and how people plan for it.
Critical Illness / Cancer
A lump-sum benefit on diagnosis, for the costs a health plan never touches.
See What an Accident Plan Costs
Rusty will show you the benefit schedule and the monthly cost side by side, so you can judge whether it is worth it for your situation.
- Free, no-obligation conversation
- In person, virtual, or over the phone
- Independent advice across 8 carriers and 75 plans
Or call directly: 602-291-5169