Accident Insurance - When and Why You Need It If you have a health insurance plan and are taken to the emergency room, you must first meet your deductibles before they pay anything at all. With the cost of health insurance going up by double digits each year, many families have been forced to accept high deductible plans. So, a $1000 emergency room visit, which is not uncommon, comes out of your pocket. Furthermore, when you take the supplemental accident riders on your health insurance, the usually cover you for less than $500. It is not enough. The cost of these riders is usually the same or more than our supplemental accident coverage. Accident Medical Program Summary The Accident Medical Programs are available with three levels of coverage: * $2,500 per accident per
person, with a $100 per accident deductible. Eligible Persons: All enrolled dues paying members, under age 70 (herein called "Insured"), and their Dependents. "Dependent" means the insured's lawful spouse under age 70; or an Insured's unmarried child, from the the moment of birth to age 19, or until 25 if a full time student, who is chiefly dependent on the insured for support. Covered Activates: Any activate that occurs, while coverage is in place and the member is current with his membership dues payments, for an Eligible Person and results in a loss or Injury covered by the Master Policy This is a blanket Policy issued to the Association. Policy pays for Specific losses from Accident Only. Benefits are not for losses due to sickness. Accident Medical Expense Benefits: Accident Medical Expenses are only payable: * for Usual and Customary
Charges incurred after the per accident deductible has been met. Maximum Benefit Period: One (1) year from the date of the Covered Accident. Maximum Per Accident Benefit: This being the $2,500 or $ $5,000 or $10,000 membership that you purchased. "Usual and Customary Charge" means the average amount charged, as determined by the Insurance Carrier, for treatment, service or supplies in the geographic area where the treatment, service or supply is delivered. "Medically Necessary" means a treatment, service or supply that is required to treat an injury that is prescribed or ordered by a medical doctor or furnished by a hospital; consistent with the medical and surgical practices prevailing in the area for treatment of the condition at the time rendered. These plans are very simple to apply for. You can simply apply online by clicking here. Then, scroll down for the Accident Plan and use the info and apply buttons.
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