Accident Benefits
What is Accident Insurance?
Accident Insurance helps protect you and your family from the financial challenges that can come from an accident. This coverage pays benefits directly to you for injuries, like cuts, broken bones, concussions and related expenses.
What does Accident Insurance Cover?
Emergency & Initial Accident Treatments
ER, Urgent Care, and Physician Office.
Follow-Up Care and Transportation Benefits
Inpatient Surgery, Outpatient Surgery, General Anesthesia, Outpatient Therapy, Durable Medical Equipment, Prosthetic Device, Physician’s Follow Up, and Prescription Drugs.
Accidental Death
Accidental death and common carrier accidental death
Accidental Dismemberment Benefits
Dismemberment and partial dismemberment.
Catastrophic Benefits
Catastrophic loss.
Benefits to Accident Insurance
Benefits get paid directly to you
Cost is determined by the benefits you select
You choose how to spend the money
Accident Benefits
| ACCIDENT BENEFIT | PLAN 1 | PLAN 2 | PLAN 3 |
|---|---|---|---|
| Initial Accident Treatment | |||
| Emergency Room, 1 per accident | $100 | $100 | $100 |
| Urgent Care Facility, 1 per accident | $50 | $50 | $50 |
| Physician Office, 1 per accident | $25 | $25 | $25 |
| Follow-Up Care | |||
| Inpatient Surgery, 1 per accident | $2,000 | $2,000 | $2,000 |
| Outpatient Surgery, 1 per accident | |||
| Tier 1 - Physician's Office | $500 | $500 | $500 |
| Tier 2 - Hospital or Surgical Center | $1,000 | $1,000 | $1,000 |
| Exploratory surgery (percent of Outpatient Surgery) | 25% | 25% | 25% |
| General Anesthesia, 1 per accident | $250 | $250 | $250 |
| Outpatient Therapy, 5 days per accident | $25 | $25 | $25 |
| Durable Medical Equipment, 1 prescribed devices per accident | |||
| Tier 1 | $10 | $10 | $10 |
| Tier 2 | $50 | $50 | $50 |
| Tier 3 | $200 | $200 | $200 |
| Prosthetic Device, 1 per accident | $500 | $500 | $500 |
| Physician's Follow-Up, 3 per accident | $50 | $50 | $50 |
| Prescription Drugs, 3 prescriptions per accident | $10 | $10 | $10 |
| Dislocations - Closed Reduction | |||
| Minor | $1,000 | $1,000 | $1,000 |
| Moderate | $2,000 | $2,000 | $2,000 |
| Major | $3,000 | $3,000 | $3,000 |
| Open Reduction | 2x | 2x | 2x |
| Partial Dislocations | 25% | 25% | 25% |
| Fractures - Closed Reduction | |||
| Minor | $1,000 | $1,000 | $1,000 |
| Moderate | $2,000 | $2,000 | $2,000 |
| Major | $3,000 | $3,000 | $3,000 |
| Open Reduction | 2x | 2x | 2x |
| Chip Fracture | 25% | 25% | 25% |
| ACCIDENTAL DEATH, DISMEMBERMENT & CATASTROPHIC BENEFITS* | |||
| Accidental Death | $25,000 | $25,000 | $25,000 |
| Accidental Death Common Carrier | $50,000 | $50,000 | $50,000 |
| Accidental Dismemberment | |||
| Loss of Both Hands, Loss of Both Feet, or Loss of One Hand or Loss of One Foot | $10,000 | $10,000 | $10,000 |
| Loss of One Hand or Loss of One Foot | $5,000 | $5,000 | $5,000 |
| Partial Dismemberment | |||
| Loss of One or More Fingers or Toes | $500 | $500 | $500 |
| Partial Amputation of Finger or Toe | $250 | $250 | $250 |
| Catastrophic Loss | |||
| Loss of Sight in Both Eyes | $10,000 | $10,000 | $10,000 |
| Loss of Sight in One Eye | $2,500 | $2,500 | $2,500 |
| Loss of Hearing in Both Ears | $10,000 | $10,000 | $10,000 |
| Loss of Hearing on One Ear | $2,500 | $2,500 | $2,500 |
| Loss of Speech | $2,500 | $2,500 | $2,500 |