Supplemental insurance, such as our accidental injury insurance, Accident Expense Plus®
, is becoming more and more popular as people opt for lower premium medical insurance with higher deductibles and co-pays. See how some are using the supplemental insurance product, Accident Expense Plus®
, and explore related products by contacting our insurance professionals to walk you through it at 888-543-3371 or visit us online
- About one out of every nine Americans seeks medical attention for an injury each year.¹
- More than 26 million people are treated in hospital emergency rooms for injuries annually.²
- In 2010, approximately 49.2 million visits to physician offices were due to unintentional injuries.²
A 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 high deductible of $5,000.3 To help cover her high deductible and coinsurance costs, she purchased a supplemental insurance plan, Accident Expense Plus®. She opted for the $7,000 per-calendar-year accident benefit with a $250 deductible.
Three months later, Maria fell and broke 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.
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.3 Thanks to the family's Accident Expense Plus® supplemental insurance 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.
1National Safety Council, Injury Facts – 2010 Edition. Not all injuries would result in benefit payments.
2 National Safety Council, Injury Facts – 2011 Edition. Not all injuries would result in benefit payments.
3 Not an actual case and is a hypothetical representation for illustrative purposes only.