Accidents happen when you least expect them - at home, at work, while playing or while traveling. In 2004, 33.2 million people - about 1 out of 9 - sought medical attention for an injury. (National Safety Council, 2005-2006 Edition).

Accident supplements help fill the gaps left by traditional insurance coverage. Benefits from the accident policies help supplement primary insurance deductibles, out-of-pocket expenses or lost income due to time off from work.

Most traditional major medical plans have a deductible and coinsurance. Your total risk for an accident could be high even with a low deductible. For example, $1000 deductible are common for many consumers, however, the coinsurance limit could be as high as $10,000. This means in the case of an expensive accident, the consumer could be liable for $11,000. Our health insurance brokers can help assist in determining you maximum out of pocket (deductible plus coinsurance limit).

The accident policy will reimburse you for your accident bills after you receive the claim. Typically, consumers match the accident coverage amount to the total risk or their health plan. Meaning if your maximum out of pocket is $5000 ($1000 deductible + $4000 coinsurance) you would want the $5000 accident benefit.