How Can Accident Medical Coverage
Save Me Money Without an Accident?
In addition to paying your Annual Deductible, Coinsurance, and hundreds of medical items not covered by your health insurance, up to $10,000 per person per accident, you can use Accident Medical Coverage to save $2,500 or more today on your health insurance premium.
| Coverage per Accident |
$1,000 | $2,500 | $5,000 | $7,500 | $10,000 |
| Individual | $10 | $14 | $18 | $20 | $22 |
| Family | $20 | $28 | $36 | $40 | $44 |
The higher the Annual Deductible on your Individual, Family, or Employer-Sponsored health insurance policy, the lower your Monthly Premium or Employee Contribution.
| Monthly Premium | |
| $500 Annual Deductible* | $500.00 |
| $2,500 Annual Deductible* | - $260.00 |
| Monthly Premium Savings | $240.00 |
| *per person | |
You Can Typically Save $240/month, $2,880/year by raising the Annual Deductible (per person) on your Health Insurance by $2,000.
However, you may not be comfortable accepting the higher risk of having a $2,500 Annual Deductible per person on each family member. Or, you may want better coverage if you or a family member has an accident.
You can obtain $2,500-Benefit Accident Medical Coverage for your family--this pays you up to $2,500 per accident in medical expenses for each member of your family (no limit on number of accidents).
This saves you $212/month, $2,544 a year, and provides you better coverage ($100 deductible) in the event of an accident or injury.
| Monthly Premium | |
| $500 Annual Deductible* | $500.00 |
| $2,500 Annual Deductible* | - $260.00 |
| Monthly Premium Savings | $240.00 |
| $2,500-Benefit AMC | - $28.00 |
| Net Monthly Savings | $212.00 |
| *per person | |
If you are healthy and lead a healthy lifestyle, you may have a greater healthcare risk from having an accident than from getting a disease.
Accident Medical Coverage provides benefits for medical expenses that result from an accident or injury—it does not provide benefits for medical expenses due to an illness.
Information on this page does not refer to a specific product, policy, or membership—all examples are only for purposes of education. Accident Medical Coverage described on this page can be obtained several ways including: (1) Contacting Zane Benefits to obtain a health insurance policy or plan offering protection against accidents; (2) Contacting Zane Benefits to purchase a standalone Accident Medical Coverage policy; (3) Lowering the Annual Deductible and/or coinsurance requirement of an existing employer-sponsored or other health policy; or (4) Joining an association that provides multiple benefits of membership, one of which is accident medical coverage—similar to the way some people join AAA for a package of benefits (maps, discounts) along with roadside assistance coverage at a better price than roadside assistance coverage might cost alone.