Why Do I Need Accident Medical Coverage With My Health Insurance?
Protect Your Savings
Accident Medical Coverage pays medical expenses from an accident not paid by your health insurance because you have not met your Annual Deductible or Coinsurance requirements, or are away from home (out-of-network).
Better Coverage
Accident Medical Coverage covers Dental, Physical Therapy, and hundreds of other items not covered by your health insurance when you have an accident--up to $10,000 per accident per person.
Save $1,000-$2,500 per Year
Accident Medical Coverage allows you to increase the Annual Deductible on your Individual or Employer health policy, saving you thousands each year on your premium or employee contribution.
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.
As explained on the Home Page, even with the best health insurance you are typically required to pay $4,500 or more in Annual Deductible, Coinsurance and other uncovered medical expenses if you have an accident.
In addition, most health insurance policies do not fully cover Dental, Ambulance, Prescriptions and other expenses you could incur, or need to recover, from an accident.
Do you, or a member of your family, play sports, ski, skateboard, or ride a bicycle—a simple fall or injury could cost you thousands in medical expenses not fully covered by your health insurance.
Your home is actually the place where you are most likely to have an accident—a fall, cooking accident, choking, or an accidental poisoning.
Do you travel? If you or a family member has an accident requiring medical attention away from home, unless they have a StuHealthTM policy, it could cost you thousands of dollars more because they are out of the network of your health insurance carrier.
| 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 |
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.