Speak with a licensed insurance agent · TTY 711 Mon–Fri 10:00 AM – 5:00 PM
An accident plan pays a set cash benefit when a covered injury happens — the emergency room visit, the imaging, the stitches, the follow-up. It is aimed squarely at high-deductible plans and at active families who use the ER more often than they would like to admit.
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.
Important: CUPS Insurance is not affiliated with, endorsed by, or operating on behalf of HealthCare.gov, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
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.
A sudden, unintentional injury — a fall, a fracture, a burn, a crash — as defined in the plan documents. Illness is not covered; that is what your health plan is for.
The definitions matter, and they differ by plan. It is worth reading what is excluded before assuming a particular activity is covered.
It pays independently. Your health plan pays its share of the medical bills; the accident plan pays you a benefit on top, based on what happened rather than on what was billed.
Because the two do not offset each other, an accident plan is often used specifically to cover the deductible a health plan leaves.
Typically not in the way a health plan has one. Benefits are paid on a schedule for covered events, so there is usually no deductible to satisfy first.
What to check instead is the benefit schedule itself — what each event actually pays, and any limits on the number of events per year.
Nothing. Carriers pay a commission when a plan is issued, and that commission is already built into the plan price whether you use an agent or not.
Buying the same plan on your own does not make it cheaper — it just means nobody checked your doctors and prescriptions first, and nobody picks up the phone in March when something goes wrong.
No, and no agency does. We are independent, which means we compare across the carriers listed on this site rather than representing a single one — but that is not the same as offering every plan on the market.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
Sarah Wood Rodriquez, licensed since 2009 — over 17 years — and licensed in Utah, Arizona, Idaho. NPN 14943086.
The person who answers the phone is the person who reviews your plan. There is no call center and no handing you between departments.
Call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) or book a call. The first conversation usually runs twenty to thirty minutes and there is nothing to sign.
Bring your prescription list and your doctors’ names — with those, the comparison can be a real one rather than a generic one.
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Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086
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