421 Stover Street
Sure you are healthy, but what about the unexpected?
For Colorado (and those in surrounding states) families with children or for those who are active in sports or outdoor activities, odds are any medical expenses will be as a result of an accident.
We have discovered a very cost effective way to target the best coverage for the healthy, invincible, and young-at-heart consumers
First, buy a regular medical insurance plan, but keep it inexpensive by choosing a high deductible. Then, purchase a separate plan, good only for injuries as a result of an accidents, which has a low deductible of $100 that is also inexpensive.
The combination gives you a one-two punch that plays the best odds for the young-at-heart and healthy—immediate coverage for accidents, but protection from financial ruin in case of a serious illness.
What's really cool about this combo strategy is that the money the accident supplement is paying under the accident portion is also being credited toward the deductible on your primary insurance policy! You could literally end up paying only $100 on a $30,000 bill, depending on how the plans are set up!
What is covered by an accident plan? Here are just a few examples: car or bicycle accident; skiing; mountain climbing; sport injuries; slip and fall on an icy sidewalk; stitches; broken bones; dog bites, snake bites, and many more. But don’t expect to file a claim if you pull a hamstring playing basketball. The definition of an accident is strictly an “unexpected external force causing an injury.” Yes, that pulled muscle is definitely an injury; it’s just not an accident. (However, if you suffer a concussion when you collide with your opponent during a jump shot, you’ve got yourself an accident.)
This plan does not coordinate with other insurance. That means you will be reimbursed for expenses regardless of what any other insurance pays!
This plan covers an unlimited number of accidents per person per year!
TIP: For plans with Values of America, it won’t do you any good to buy an accidental benefit that is greater than your deductible and coinsurance. This accidental supplement plan coordinates with your other coverage and will only reimburse for what came out of your pocket. No double dipping!