Getting Started
Accidents can happen at any time—Accident insurance provides supplemental benefits that can help protect your finances while you focus on recovery.
Accidental
Accident insurance is supplemental coverage that provides benefits for qualifying injuries and accident-related services. Depending on the policy, benefits may be paid directly to you and can help with medical expenses or other financial obligations.
Accident insurance does not replace Medicare or major medical insurance. It is designed to work alongside your existing health coverage.
Coverage
Covered benefits vary by plan but may include:
Benefits, payment amounts, limitations, and exclusions depend on the policy selected.
Considerations
Added Financial Protection
Accident insurance may help with deductibles, copays, coinsurance, and other expenses your primary health plan does not fully cover.
Benefits Paid Directly to You
Depending on the policy, benefits may be paid directly to you, allowing you to decide how to use the money.
Help Beyond Medical Bills
Benefits may help with transportation, childcare, household expenses, or lost income while you recover.
Coverage for Everyday Accidents
Accident insurance may provide benefits for covered injuries that happen at home, at work, while traveling, or during recreational activities.
Benefits
The cost of dental insurance varies based on several factors, including:
On average, dental insurance premiums range from $15 to $50 per month, but additional costs such as deductibles, copays, and coinsurance may apply depending on the plan.
Guidance
Insurance should be easier to understand. Human Touch Insurance Agency will help you compare available plans, review potential benefits, and determine how accident insurance may complement your current health coverage.
Our goal is to provide personal guidance so you can make a confident and informed decision.
Accident Insurance FAQ's
If you experience a covered accident, you submit a claim to the insurance company. The plan pays benefits according to its benefit schedule, subject to the policy’s terms, limitations, and exclusions.
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No. Accident insurance is not comprehensive health coverage and does not replace Medicare or major medical insurance. It provides supplemental benefits for covered accidental injuries and related services.
Many accident insurance policies pay benefits directly to the policyholder unless benefits are assigned elsewhere. This may allow you to use the money for medical bills or other expenses during recovery.
Depending on how the policy pays its benefits, you may be able to use the money for expenses such as transportation, childcare, groceries, household bills, or lost income.
Coverage for workplace injuries varies by policy. Some plans may provide benefits in addition to workers’ compensation, while others may have restrictions or exclusions. Review the policy details carefully.
Waiting periods and effective-date rules vary by plan. Coverage usually must be active before the accident occurs, and preexisting injuries are generally not covered.