RF Insurance Masters recommends supplemental accident plans in conjunction with any health insurance plan. Especially when you are looking at the higher deductible plans to help you save on premium. Over 50% of the time Urgent Care or Emergency Room visits are due to accidental injuries. All health insurance plans usually do not pay for accidents, the plan usually states that insured must meet the deductible, and then coinsurance will begin to cover accidents and injuries. The part where you are subject to paying for the deductible is where the supplemental accident plans can reduce your exposure to paying the deductible to what the Co-pay is up to the amount of coverage you have selected. We usually recommend that you match this coverage to the deductible. This approach will give you a $250 deductible per accident depending on the accident plan chosen. Leveraging a supplemental accident plan with your health insurance plan limits out of pocket to be that of the per accident deductible for the accident plan.
Ask us about options for accident coverage that we have. It can take the edge off a costly visit to the ER when you or a family member has had an accident.
