Additions to personal injury insurance are available to Americans up to about sixty-five. This emergency coverage does not have health problems when applied, and accident health insurance is a guarantee issue. These smart plans have many nicknames, including additional accident insurance, a 24-hour accident plan, emergency care insurance and the addition of personal accident insurance. Plans are not sold as insurance, but rather reward based on association. Compensation compensates people for a loss of up to a certain amount. In this case, the payment of insurance compensation for accident insurance is paid before payment (nominal value of the policy) in the amount of $ 2,500, $ 5,000, $ 7,500, or $ 10,000 for each accident.
Because plans are not technically insurance, members pay membership fees that give members access to health insurance against accidents. The limited accident insurance plan applies only to injuries, not to illness. By the way, the benefits of accidents can be used with any licensed physician, emergency hospital, emergency fast care operation or a medical clinic. The freedom to use any doctor or hospital is related to the fact that it is trauma. These plans would be useless if members had some sort of chrome booklet of the service provider to choose from in a situation of injury. Plans cover members outside the United States for sixty consecutive days and can be used as a form of travel insurance abroad. Keep your vacation outside the country for up to two months at a time, and the policy covers accidental injuries up to an allowance level of $ 2,500, $ 5,000, $ 7,500, or $ 10,000 for each accident. Most likely, if you get injured out of the country, the personal accident insurance provider will return the bill to you when you return home and you need to provide proof of loss, which is a copy of the hospital bill when traveling abroad,
Accident benefits are paid directly to the health care provider you have been treating you with, or plans will compensate you for direct bill coverage. Some health insurance policies only supplement members for loss, while others pay you a hospital or a doctor. Plans pay for hospital, medical or other injury-related expenses that you accrue, up to the amount of the maximum benefit amount, less the deductible. Typical franchises range from $ 100 to $ 250. The deductible amount is the dollar amount that you / member pays before the insurance plan pays. In other words, this style of accident insurance is paid up to $ 2,500, $ 5,000, $ 7,500, or $ 10,000 with a deductible of $ 100 for each damage. Benefits are paid for each accident or injury, which means that each application you file is treated as a separate event and a reset of benefits. If you have a benefit plan of $ 10,000, and subsequently you have an injury that will result in a bill of $ 10,000, your pocket expense will be $ 100. This is the beauty of reparation plans.
Indicators of the shuttle from the leading accident plans in this niche part of medical insurance are as follows. Of course, every insurance company increases the rate. However, they are not included in this category; therefore, fees for membership fees do occur, but not every 12 months, as carriers of a PPO. Until now, growth rates with this type of physical injury insurance supplements are rare.
Individual policy: the maximum amount of $ 5,000 - $ 22 per month.
Individual policy: The maximum amount of $ 7,500 is $ 28 per month.
Individual policy: The maximum amount of $ 10,000 is $ 34 per month.
Family Policy: The maximum amount of $ 5,000 is $ 35 per month.
Family Policy: The maximum amount of $ 7,500 is $ 41 per month.
Family Policy: The maximum amount of $ 10,000 is $ 47 per month.
(Family monthly fees include everyone. This is the same price if you have a family of 3 or a family of 10).
Specific insurance claims for injuries:
- Physical surgical fees (inpatient or outpatient)
-Emergency room
- Doctor visits
-Ambulance
-Nurse
-Physiotherapy
-Operational room (inpatient or outpatient)
-Anesthesia
Laboratory testing
-Delatory treatment of injured healthy teeth.
-Size and nutrition for general inpatient conclusion
- Prescription drugs
-MRI & # 39; s
-X rays
-Castes, crutches, thorns, braces.
-Plasma blood
-Development of durable medical equipment
One of the most common uses for this form of emergency care insurance is high compensation because of the exposure pocket that many HDHP (High Deductible Health Plans) have. Major medical insurance companies in the United States seem to make “rate adjustments” (rate increases) every 12 months. Every health insurance client who has a PPO tariff plan with a disastrous style increases every year, even if they do not make a single claim. In fact, the only way that you will not get a rate increase using PPO in the United States is to purchase an additional upgrade for Price Guarantee. The increase in rates every 12 months forced Americans to increase the deductible so that monthly insurance premiums would be affordable. Typical franchises are now $ 5,000 or $ 10,000.
The problem with such a high deductible is that any personal injury resulting in a visit to the ER maximizes the deductible. A hospital bill of $ 10,000 is one broken bone, even if you have $ 5 million during the entire PPO. Most health insurance premiums occur from claims in emergency departments. Broken bones, torn ligaments, severe lacerations are everyday events and, most likely, will be the reason that this franchise will be spent. For this reason, educational health insurance agents have been offering ER-supplements to their clients for several years. Plans provide insurance from the front, which can be used to pay off a franchise in the amount of 5,000 or 10,000 US dollars. The main advantage is to assist in the payment of pocket bills related to accidents.
Most accident plans used in conjunction with HDHP will only cover the cost of HDHP. Thus, it does not make sense to have a $ 2,500 franchise with Blue Cross Blue Shield (just an example) and an accident compensation plan of $ 10,000, as the plan will only be paid up to $ 2,500 to match the Blue franchise. Cross. What makes sense is to increase the current deductible rate at the face value of the accident insurance plan and save a ton of money each month on medical insurance. Therefore, if you choose a benefit plan of $ 10,000, you can increase your current PPO deduction, because the likelihood that you will ever meet this deductible will be related to personal injury. The virtual zero franchise effect is what you are looking for here. Thus, an accident plan not only guarantees a high deductible, but also gives you a free solution to increase your PPO deductible and possibly cut the health insurance premium in half. If you do not have a close-up health insurance plan, then adopting a crime policy as an autonomous one is a good idea.
Outpatient surgery is one of the best uses for these supplements. Usually, when someone suffers from unsafe personal injury, they have time to plan the operation. During the initial visit to your doctor, an MRI or X-ray doctor will tell you if your injury needs surgery. Many injuries need surgery for proper treatment. For example, let me say that someone lands on his shoulder, and the injury causes a very common sports injury, called joint separation of speakers. The separation of the joints of the AU is a shoulder injury when the ligaments in the shoulder are separated from the heavy blow. This type of injury should sometimes be surgically corrected to properly align the ligaments during healing. Surgery also helps people return to sports and a healthy lifestyle. One huge advantage with ER personal programs is the ability to choose a surgeon for outpatient surgery. In this example, a shoulder injury, thanks to joint joint separation surgery with the best orthopedic surgeon, is a great luxury. Preferably a surgeon who specializes in sports medicine and works with professional athletes. If you are injured with a valid accident plan, find the best doctors, since you will still pay the deduction.
So what are reverse cuts? Accident insurance plans pay only for injuries that occurred after the policy entered into force. Although plans are a guarantee of acceptance, any claims you file or injuries that cause financial loss are payable only after the policy is active. Someone simply cannot buy an accident insurance plan after an injury and try to get paid for the operation. These are health insurance rules 101, but worth mentioning. Professional and college sports injuries are also not covered. Plans do exist for professional athletes, but this is not one of them. In addition, injuries associated with adult competitions have a gray space. Children's sports leagues, like small league baseball, youth football, and high school sports (including football) are covered by the best plans. If your parent, carefully review the plan and make sure the policy covers children's sports leagues. Children and emergency departments are almost synonymous, especially if children participate in youth sports. Accident insurance plans cover this gap well.
