Most Americans who have a major medical plan or don’t participate in extreme activities have never considered that having an accident plan may actual be the best way to protect against financial loss and spiraling medical costs. Have you considered how an accident plan can benefit you? If not read ahead. It may be the most important article you read today.
Accidents happen. That’s a fact, right? Everyone knows that. But people tend to think it won’t happen to them. Have you considered what you would do if you tripped on the front steps of your house, fell off a ladder, got poked in the eye, or stepped on a shard of glass? These things happen to the safest and most careful every single day. Household accidents are the third leading cause of death in the US according to a recent study.
Then why don’t we think we need an accident plan?
Recent industry studies show that the most common reasons people think they don’t need an accident plan are:
- Most people are not aware that accident plans exist as stand-alone policies.
- They think their major medical plan will be enough to cover their expenses.
- They won’t qualify.
- They can’t afford it.
Luckily for consumers, none of these objections are valid. Here’s why…
Accident plans have actually been available for many years. Until recently, however, they have not been an area of focus for marketing organizations and health insurance agents because they have been focused on other products. With the up coming health insurance reform and rising health care costs, agents and organizations have begun to look closely at providing this vital coverage for their clients and members and are getting the word out.
Companies such as XSI Sports Insurance, are committed to putting the emphasis on accident coverage that these products deserve, according to Andrew Scott, Inside Sales Agent. “We find that people don’t even know these plans are out there,” Scott adds. “They are so valuable. I get excited offering XSI accident plans to people because I know how much they need it!”
What happens if you get injured while working around the house or playing basketball? What if your child is injured on the playground at school or on the soccer field? And now you can’t go to work on Monday. Your major medical plan will not cover you for that lost time at work. Most accident plans will!
If you had to take an extended time off of work because of an accident or injury do you have the financial resources to cover your living costs? If not, you may need an accident plan even with a major medical policy in place. It also might be helpful to remember the deductibles, co-pays, and share of costs associated with most medical plans. Accident plans are designed to help pay for these unexpected expenses.
Accident plans are so easy to qualify for and afford. Many plans are guaranteed to be issued, have no pre-existing condition exclusions, have a short 1- 2 page application, and begin at $12 a month for substantial coverage. Online submission, electronic signatures, and credit card payment options make getting an accident policy fast and easy.
To find out how an accident plan can help you specifically, it is best to speak with a licensed health insurance agent. There is a good amount of information available via the internet as well. With the cost of these plans being well within the average family’s and individual’s budget taking the time to research accident plans, no matter how you do it, may be the best time you have spent in protecting your family against the expense of an accident. An accident plan can give you security, knowing you’re covered.