What is Accident Coverage?
Accident coverage is an optional type of health insurance that provides additional protection in case you're injured in an accident. The term "accident" refers to any sudden, unexpected event that results in injury and requires medical treatment (e.g., a car crash).
Accident coverage can help pay for expenses like:
- Medical bills from out-of-network doctors or hospitals if you get hurt while traveling outside your home state;
- Physical therapy after an accident; and/or
- Funeral costs if someone dies as a result of their injuries sustained during an accident.
How Can I Get the Best Accident Coverage Plan?
To get the best accident coverage plan, you should compare plans using FreedInsure's plan comparison tool. You can compare different types of cover, including:
- The amount of money each policy will pay out if you are injured in an accident
- Whether or not your insurance covers the cost of treatment for injuries sustained during sport or exercise
- Whether any pre-existing conditions are covered by your policy
How Can FreedInsure Help Me Get the Best Accident Coverage?
If you've been in an accident and are looking for the best accident coverage, FreedInsure can help. We have access to top insurance companies and will find the right policy for your needs.
Our friendly staff will guide you through the process of applying for coverage and answer any questions along the way.
Common Questions About Accident Coverage
- How long does accident coverage last?
Accident coverage is typically a one-year policy, but you can purchase it for longer periods of time if you'd like.
- Does it cover pre-existing conditions?
Yes! Accident insurance will cover any injuries that occur while you're covered by the policy, regardless of when they occurred or how they were treated before purchasing your policy.
The Benefits of Accident Coverage
Preventive care savings. When you have accident coverage, the plan will pay for certain preventive care services at no cost to you. This can include immunizations, screenings and other tests that are used to help detect diseases early on. These services can help prevent more serious health problems down the road by catching them before they become serious or even life-threatening.
Lower costs for services. If you do get sick or injured, having accident coverage means that your out-of-pocket expenses will be lower than they would be without it because some or all of your medical bills may be covered by your health plan instead of coming directly out of your pocketbook--and this includes prescriptions too!
Tax benefits: If you itemize deductions on Schedule A (Form 1040), qualified medical expenses are deductible as an itemized deduction subject only to income limitations which phase out once adjusted gross income exceeds 7 1/2% ($1 million) for single filers; 10% ($200K) married filing jointly; 15% ($250K) head of household status; 20% ($300K) married filing separately status