Accident Expense Plus®

Supplemental Insurance

Case Studies

  • Maria, 33, Graphic Designer
  • A broken leg won't stop this leap into self-employment*  
    Leaving the corporate world to start her own graphic design business was a big step for Maria. One of her biggest concerns was medical insurance – could she find affordable coverage?

    Maria purchased a major medical plan with a low premium – but a $5,000 deductible. To help cover her high deductible and coinsurance costs, she supplemented the policy with an Accident Expense Plus® plan. She opted for the $7,000 per calendar year accident benefit with a $250 deductible.

    Three months later, Maria fell, breaking her leg in two places. Her injury required an emergency room visit, surgery to reset the bone, three months in a cast and six weeks of physical therapy. 

    The medical bills could have derailed her business plans, but because Maria had an Accident Expense Plus® policy, her only expense was the $250 deductible. Broken leg or not, Maria kept marching steadily toward her goals. 

    *Not an actual case; presented for illustrative purposes only

  • Jack, 16, Rising Basketball Star
  • Out-of-network specialist is an affordable part of the team* 

    John and Samantha were proud parents–their son Jack was an outstanding student who was also becoming a highly-recruited basketball star. 

    When he fractured his wrist in the playoffs, the family's doctor referred him to a specialist outside their major medical carrier's network. Thanks to the family's Accident Expense Plus® policy, John and Samantha were promptly reimbursed for their out-of-network expenses and received additional benefits for the treatment and physical therapy. 

    Jack made a full recovery and was back on the court the following season. His bank shot–and his parents' bank accounts–were as strong as ever. 

    *Not an actual case; presented for illustrative purposes only



Policy Form Numbers 07120; 07120N; Rider Form 07121. Important Note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions apply in every state. Please consult the policy form and outline of coverage for details. There will be a charge for each rider selected. See the rider for details regarding the benefit descriptions, limitations and exclusions.  Guarantees are subject to the claims-paying ability of the issuing insurance company.




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