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Even if you have a High Deductible Health Plan, or traditional medical insurance, you may not be covered for all of the expenses related to the treatment and recovery from a major illness. Combined with Accident or Disability insurance, Critical Illness insurance can help ensure you’ll be better prepared to cover out-of-pocket expenses in the event of a serious illness. 

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Q: How does Accident Insurance coverage work?

Accident insurance can be an important coverage in addition to both medical and disability benefits. 

This plan pays IN ADDITION to your medical insurance.  So, even though you may have health insurance that provides you insurance protection for accidents – this pays YOU directly and regardless of what the health insurance pays.  It is specifically designed to provide you financial means to help you cover costs associated with the unplanned out of pocket expenses associated with having an accident.

The plan helps cover costs such as deductibles, emergency room visits, diagnostic tests such as MRI and Cat Scans, X-rays, Crutches and more. These payments can really go a long way towards offsetting your deductible and co-insurance and could provide you an additional financial safety net when you need it the most.