| 1. Injury insurance plans have what type of | | | | Indemnity means to compensate. So look at |
| eligibility requirements to get approved? | | | | these supplements as a accident medical expense |
| Accident plans are guarantee issue up to age 65 | | | | compensation. Policy holders are compensated up |
| or 70. Online applications have no health questions | | | | to the policy benefit level per injury. Typical policy |
| or underwriting and everyone gets approved. | | | | benefit levels again are $2,500, $5,000, $7,500, |
| 2. How much do personal injury insurance | | | | and $10,000. |
| supplements cost each month? (Estimates) | | | | 9. What are some other names for this type of |
| (Rates from the leading plan) | | | | supplement? |
| Individual policy - $5,000 benefit - $22 USD each | | | | Depending on who's sales brochure you pick up: |
| month. | | | | Emergency room insurance plan, 24 hour accident |
| Individual - $7,500 benefit - $28 USD per month. | | | | coverage, accident medical coverage, |
| Individual - $10,000 benefit - $34 a month. | | | | supplemental accident coverage, and accident |
| Family policy - $5,000 benefit - $35 USD each | | | | medical expense benefit. Thousands of health |
| month. | | | | insurance agents sell these supplements and they |
| Family: $7,500 benefit - $41 USD per month. | | | | are often packaged together with dental, vision, |
| Family: $10,000 benefit - $47 a month | | | | and other discount services. The prices listed in |
| 3. What doctors and hospitals accept this accident | | | | this article are for the accident only coverage. So |
| health insurance supplement? | | | | other plans you'll find online could be more |
| Accident policy can be used at any licensed | | | | expensive because other benefits might be tied |
| doctor, hospital, emergency room, medical clinic, | | | | into it. |
| or urgent quick care facility. Plans also | | | | 10. What are the plan deductibles? |
| compensate for bodily injury related expenses | | | | Most policies have a $100 to $200 US dollar |
| while traveling abroad (one to two months outside | | | | deductible. Deductible= Out of pocket expense |
| the United States). | | | | you have before health insurance plan pays. |
| 4. What are the specific emergency room related | | | | Example: Someone has a $10,000 benefit injury |
| benefits covered? | | | | plan and subsequently has a $10,000 dollar |
| -Doctors fee for surgery (inpatient and outpatient) | | | | emergency room bill from a broken collar bone. |
| -Hospital emergency room care (miscellaneous ER | | | | The policy holders total out of pocket expense |
| bills) | | | | for the ER bill is the deductible of $100 dollars. The |
| -X-Rays | | | | deductible of $100 dollars resets for each claim. |
| -Doctors visits inpatient and outpatient. | | | | Each injury is treated as a separate event and |
| -MRI's | | | | the policy benefits reset for each mishaps. Plans |
| -Lab Services | | | | pay out per injury and per accident subject to |
| -Prescription drugs | | | | new deductible. |
| -Registered nurse expense | | | | 11. Can this plan be used for college or pro level |
| -Dental treatment for injured sound natural teeth | | | | sports injuries? |
| -Hospital room and board | | | | No. College and professional level sports injuries |
| -Crutches, Splints, Casts, etc. | | | | are not covered on this style of plan. |
| -In or Outpatient surgery | | | | 12. What is the catch or rules? |
| -Anesthesia expense | | | | Personal accident insurance supplements only pay |
| -Operating room | | | | for bodily injuries that occur after the policy |
| -Physical Therapy | | | | effective date. To receive benefits the policy |
| -Ambulance expense | | | | must be in force prior to injury. |
| 5. What are the personal accident insurance | | | | 13. Does the plan cover emergency room visit bills |
| supplement policy benefit levels? | | | | relating to sickness or disease such as heart |
| $2,500, $5,000, $7,500, $10,000 US dollars per | | | | attack or stroke? |
| covered injury. | | | | No. Supplements are accident only coverage for |
| 6. Do these policies covers youth sports injuries? | | | | bodily injuries. |
| Yes, some plans can be used as a youth sport | | | | 14. How soon does someone need to seek |
| insurance supplement for kids sport injuries. If | | | | treatment for the injury for the plan to pay? |
| you're a parent looking for a plan to serve as a | | | | Within 12 weeks from date of initial injury. |
| youth sport insurance plan double check the fine | | | | Benefits period is 52 weeks after date of injury. |
| print on the policy explanation of benefits page. | | | | 15. Who gets paid the accident medical expense |
| Policy should say it covers organized youth sports | | | | compensation? |
| up to age 18. Organized sports meaning youth | | | | Some personal injury insurance plans pay you (the |
| soccer, little league baseball, and high school | | | | policy holder) directly. Other plans will compensate |
| football. | | | | the doctor or hospital that treated your bodily |
| 7. Who is the medical insurance company | | | | injury. |
| underwriting or selling this plan? | | | | 16. What type of bodily injury accidents aren't |
| A lot of injury insurance plans in the United States | | | | covered on these plans? |
| seem to be underwritten by Guarantee Trust Life | | | | Injuries sustained under the influence of drugs and |
| Insurance Company in Glenview, Illinois. Guarantee | | | | alcohol, professional / college level sports injuries, |
| Trust Life has been around for 70 plus years. | | | | during act of war or committing a crime, trying to |
| 8. Is this plan health insurance or a supplement? | | | | kill yourself or self-injury, wing suit base jumping, |
| Plans are not insurance rather an indemnity. | | | | and other extreme activity related accidents. |