Zane HSA Protection Plan
- One Accident Can Wipe Out Your Entire Health Savings Account (HSA) Balance
- Protect your HSA Balance with Accident Medical Coverage
- Pays up to $10,000 of Medical Expenses from an Accident not Covered under your Annual Deductible or by your Health Insurance
Health Savings Accounts (HSAs) are the newest way for U.S. families to save money on their health insurance today and save for their wellness and retirement tomorrow.
Every American should have a Health Savings Account (HSA).
To get a HSA, you must first obtain a health insurance policy with a high Annual Deductible—typically approximately $5,000 (family) or $2,500 (individual). This creates a problem if you have an accident—one accident could wipe out your HSA balance with medical expenses under your Annual Deductible or not otherwise covered by your health insurance (e.g. dental, physical therapy).
For less than $1 a day, you can obtain $5,000-Benefit Accident Medical Coverage to cover up to $5,000 of your medical expenses from an accident.
| 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 complies with U.S. Treasury Regulations regarding Health Savings Accounts—You are still eligible to make your maximum HSA contribution even with $100-deductible Accident Medical Coverage.
Protect Your HSA Today with Accident Medical Coverage.
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.