A serious injury can not only cost you a lot of money in the form of medical bills and lost income, but can also impact your overall quality of life. Some injuries are minor while others can be devastating– these also often require long term medical care. In case you get hurt, accident coverage will pay you a specified amount of money that you can use to meet your expenses, pay bills and out-of-pocket medical costs.
Who Will Get Paid?
You will get paid. When you suffer a covered accident or injury, your health insurance company will settle the account with your doctor or hospital; however, accident coverage will pay you directly.
What is Covered?
Every accident is not a ‘qualifying injury’. In fact, the types of accidents covered can vary from plan to plan. However, accident insurance plans typically cover the following injuries:
- Breaking a limb
- Loss of a limb or digit
- Accidental Death
- Emergency room visits
- Ambulance transportation
- Emergency helicopter transportation (in special cases)
- Hospital admission costs and per diem charges
- Diagnostic exams and medical tests
- Follow-up treatments
- Intensive care and rehabilitation unit care
- Physical therapy
The Cost of Accident Coverage
Considering your age, residency and how much coverage you desire, the cost of accident coverage can vary widely. In fact, some plans may cost you as low as $15/month or more. On the contrary, for more benefits, you may be charged $50 per month or more.
Things Not Covered
Your accident coverage won’t typically cover matters like routine checkups and hospitalization due to illness. Also, it won’t cover any injuries suffered before you purchased the plan.
Insurance Advisors of Florida can provide you the best Accident Coverage plans for your individual needs, circumstances and budget. Contact us today to help you handle any medical and out-of-pocket expenses resulting from an accidental injury.