Fully Insured Accident Coverage

Accidents are the leading cause of death for Americans under the age of 40, and the 5th leading cause for people of all ages. Over 52% of all medical costs are due to accidental injury. The cost of an accident can amount to more than just the in-and-out ER visit. When I was in college, I wrecked on my snowboard and broke my humerous (upper arm bone). A humerous can't be casted, so I needed a rod put in it. The whole thing ended up costing a little over $13,000. I did have health insurance, but it had a $2,500 deductible with 80% coinsurance after the deductible until I paid another $2,000. I would've been out $4,500 if it weren't for my $2,000 accident supplement, which paid most of the health insurance deductible.... I wish there had been a $5,000 benefit option back then!

This is the idea behind an accident supplement. The health insurance policy is always the most important thing to get real financial security and protection. But, you can save a lot of money in premiums by getting a higher deductible health insurance plan, like an HSA qualified policy. No matter how much you take care of yourself and how careful you are, things like slipping on the ice, falling down the stairs, and cutting your finger in the kitchen are bound to happen.

Buying health insurance is just gambling that you may have something happen that more than offsets the premiums you are paying, right? Let's do the math on the $5,000 accident supplement through the Accident Shield supplement with a $5,000 accident benefit that is $22/month or the AHCO supplement that is $30/month for families. For this plan, it would take almost 19 years for the premiums to break even with the potential benefit amount for an individual and almost 14 years for a family!! In other words, if you think about how likely you or your family are to have something happen in that long of a time span, your odds are pretty good that you'll end up getting more in benefits from an accident supplement than you'll pay in premiums.

• Individual Coverage
• Family Coverage

$5,000 Accident Shield Supplement

• Accident Medical Expense Benefit Amount: $5,000 – Subject to a deductible of $100.00.
• Identity Theft Insurance
• 24 Hour Toll Free Nurse Hotline
• $22/month Individual - $35/month Family

$5,000 AHCO Accident Supplement with $10,000 Accidental Death Benefit

• Accident Medical Expense Benefit Amount: $5,000 – Subject to a deductible of $100.00.
• Includes primary, spouse and each child - Accidental dismemberment included
• $29.95/month - Individual or Family