Accident insurance solutions

If you carry a high-deductible Marketplace plan or an Advantage plan with meaningful copays, a single trip to the emergency room can produce a bill in the thousands before your coverage does much. An accident plan pays a schedule of cash benefits for exactly those events, directly to you.

The benefits are itemised and easy to read once someone walks you through the schedule: an amount for the ER visit, an amount for an X-ray or MRI, an amount for a fracture or dislocation by type, an amount per day if you are admitted, and amounts for follow-up visits and physical therapy. Because it pays on the event rather than the bill, it stacks on top of whatever your health plan does.

These plans are inexpensive relative to what they pay out for the households that actually use them — families with children in sport, people whose work carries physical risk, and anyone on a plan with a deductible large enough that a broken wrist would genuinely hurt.

What matters in the fine print is the definition of a covered accident, the exclusions, whether sports injuries are covered, how quickly you must seek treatment for a benefit to pay, and whether there is a wellness or child rider worth adding. Sarah goes through the benefit schedule line by line so you know what a real claim would pay before you need it.

What's included

• Benefit schedule walked through line by line — ER, imaging, fractures, admission, follow-up, therapy
• Cash paid directly to you and stackable on top of any health plan
• Sized against the deductible on your existing plan, so the two work together
• Sports and activity exclusions checked, especially for households with children in sport
• Treatment-timing requirements explained, so a valid claim does not get denied on a technicality
• Child and family riders priced so you can decide what is worth adding

Does an accident plan replace my health insurance?

No, and it is not meant to. It pays cash benefits on top of your health plan when a covered injury happens. You still need real medical coverage — an accident plan exists to make that plan's deductible and copays survivable.