Overview
Accident insurance pays a lump-sum benefit for covered injuries — falls, fractures, sports injuries, and similar events. Benefits are paid directly to you, so you can use them for medical bills, lost income, or household expenses while you recover.
Who it fits
- Active families and weekend athletes
- Children in sports and after-school activities
- Anyone with a high-deductible health plan
What it typically covers
- Emergency room visits from accidents
- Fractures, dislocations, burns
- Follow-up treatment and therapy
Specifics vary by carrier and plan. Request a personalized quote to see exactly what applies to your situation.
Things to weigh
- Covers accidents, not illness
- Benefit amounts vary by injury type
- Often affordable to add to existing coverage
Common questions
What's the difference between marketplace and individual health insurance?
Marketplace plans are ACA-compliant and may qualify for premium tax credits based on income. Individual plans purchased outside the marketplace can offer different structures but don't include marketplace subsidies. We'll walk through which fits your household.
Is short term health coverage a good idea?
Short term coverage is best used as a bridge — between jobs, waiting for open enrollment, or covering a gap. It typically excludes pre-existing conditions and may not cover essential benefits. It shouldn't replace ACA coverage long-term.
Why would I need supplemental coverage?
Major medical plans often leave high deductibles, copays, or non-covered expenses. Supplemental coverage — accident, hospital indemnity, critical illness — pays cash benefits to help absorb those costs so a health event doesn't become a financial event.
Ready for personalized options?
Request a free quote and a licensed agent will follow up with accident coverage options that fit your situation.