Expect the Unexpected

A missed step, a patch of black ice, a fall from the playground swing – unfortunately, sometimes small things have a big impact – physically and financially. While a simple arm fracture might be treated in a doctor’s office relatively inexpensively, a more severe open-arm fracture requiring a hospital stay, surgery, and physical therapy can cost more than $60,000!2

The Benefits of Being Prepared

  • Choose a maximum benefit amount: $1,000, $1,500, $2,500, $5,000, or $10,000, per accident, per covered person.
  • Help cover your deductible or other medical expenses.
  • Expenses must be eligible for payment with your health insurance plan and happen within 90 days of an injury.
  • Any amount paid by the benefit will first go to the deductible and coinsurance of your health insurance.
  • Any remaining payment will be made to your hospital. If you have already paid your medical bill, you will get the payment.

How Much Can I Save?

  Savings example for $60,000 open-arm fracture1 No health plan    Short Term MedicalSM Copay plan only 
$5,000 deductible + 30% coinsurance
Same plan with a $5,000 
Supplemental Accident Benefit
  What you could pay: $60,000 $15,000 $10,000

2 Examples provided are for illustration purposes only and assume all expenses are covered. All these services were received in April 2014 from network providers in ZIP Code 322--. Your actual savings may be more or less than this illustration and will vary by several factors. Policy Form 6-C-410.