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Supplemental Accident

Higher Deductibles Don’t Have to be Scary!

You may choose an optional Supplemental Accident benefit to reduce your out-of-pocket expenses for unexpected injuries.

supplemental accident insurance for the family

Accidents happen. Unexpected injuries can hurt your budget. A simple arm fracture treated in the doctor’s office can cost $324. However, an open-arm fracture can result in a hospital stay, surgery, and physical therapy — for a total cost of more than $23,000!**

  • Select a maximum benefit amount: $500, $1,000, $2,500, $5,000, or $10,000, per accident, per covered person.
  • Helps cover your deductible or other out-of-pocket medical expenses (before the health insurance starts paying covered expenses).
  • Expenses must be eligible for payment under the health insurance and incurred within 90 days of an injury.*
  • Any benefit amount paid by the Supplemental Accident benefit will first be credited to the deductible and coinsurance of the health insurance.*
  • Any remaining benefit payment will be made either to your health care provider under your assignment of benefits, or to you if you have already paid your provider.
  • Additional premium is required for the optional Supplemental Accident benefit rider.
  • Exclusions and limitations of the health plan apply to this optional benefit, see product brochure for details.
Savings Examples – Supplemental Accident Benefit
Health Plan Only Health Plan with up to $2,500 Supplemental Accident Benefit
Health Plan deductible $5,000 $5,000
Coinsurance maximum (80/20 to $15,000) for open-arm fracture costing $23,000** $3,000 $3,000
Supplemental Accident Benefit
N/A $2,500
Your out-of-pocket covered expenses for the calendar-year (after benefit) $8,000 $5,500
*Saver 80SM plans: This rider will cover some expenses not otherwise covered under a Saver 80SM plan. This type of expense will not be credited toward deductible or coinsurance. **Examples are as of 07/27/09, are for illustration purposes only, and assume all expenses are covered. All these services received from network providers in ZIP Codes 495– and 110–. Your actual savings may be more or less than this illustration and will vary by several factors. Please see the product brochure for more information. For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed advisor to discuss your health insurance options at (800) 444-8990.