Accident Insurance Plans
Accident insurance is one of those things you might not ever think about, but can come in super handy when you need it – and at a reasonable price. How it works is simple. If you have Accident insurance and you get into an accident covered by your plan, you’ll get money to help cover your costs or use however you’d like.
Who should consider Accident insurance?
- Individuals and families with an active lifestyle
- Individuals and families with small children
- Anyone with current health insurance
- Anyone with a limited budget for unexpected medical expenses
Why should you get it?
Even with health insurance, the extra expenses from an accidental injury can really add up, especially with a deductible to pay on your health plan. That's when the idea of Accident insurance starts to make a whole lot of sense.
So what exactly is a qualifying accident?
Injuries such as:
- Burns
- Concussions
- Fractures
Services such as:
- Ambulance
- Hospital emergency room
- Urgent care center
The options you have for Accident insurance vary by state, but there’s a plan option for virtually any need or budget. It might even be worth considering Accident insurance with Fixed Indemnity, Dental, Vision, and Critical Illness insurance to cover all the bases.
A licensed insurance agent is ready to help you find the right plan for you. 866-306-6853, 6 days a week.
Short-term health insurance is medically underwritten and does not cover preexisting conditions. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency service, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until open enrollment period to get other health insurance coverage. This is not Minimal Essential Coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term Plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may apply.
FIXED INDEMNITY INSURANCE, ACCIDENT INSURANCE, AND CRITICAL ILLNESS INSURANCE PRODUCTS PROVIDE LIMITED BENEFITS. THESE ARE SUPPLEMENTS TO HEALTH INSURANCE AND ARE NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. These products provide benefits in a stated amount regardless of the actual expenses incurred.
Individualhealthplans.com is operated by Golden Rule Insurance Company. Plans shown on this site are underwritten by Golden Rule Insurance Company or other UnitedHealthcare affiliated entities.
Product design and availability varies by state. Products may have exclusions, limitations, and other terms for your consideration. For costs and complete details of the coverage, consult the product brochure or call your insurance producer or Golden Rule Insurance Company.