Supplemental Accident Plans

RF Insurance Masters recommends these supplemental accident plans in conjunction with any health insurance plan. Over 50% of the time Urgent Care or Emergency Room visits are due to accidental injuries. All health insurance plans usually do not pay for accidents, the plan usually states that insured must meet deductible, and then coinsurance will begin to cover accidents and injuries. The part where you are subject to paying for the deductible is where the supplemental accident plans can reduce your exposure to paying the deductible to what the Co-pay is up to the amount of coverage you have selected. We usually recommend that you match this coverage to the deductible. This approach will give you a $100-$250 deductible per accident depending on the accident plan chosen. Leveraging a supplemental accident plan with your health insurance plan limits out of pocket to being that of the per accident deductible for the accident plan.

Below is the Supplemental Accident Plan from BMA:

The BMA Value Plus Plans offer a $100 Co-pay per accident up to the value selected per accident ($10,000, $7,500, $5,000, or $2,500). The BMA Value Plus Plans includes additional features as well, Consult A Doc, Ask A Nurse, Prescription Savings, please see product brochure for additional details. Below are the monthly premiums for the various levels of coverage.

Highlights of the Association  Supplemental Accident plans:
Supplemental Accident Plan

Covers individual or entire family for the one low monthly payment.
Accidental Death and Dismemberment included with each plan.
Everyone who applies qualifies. Works in conjunction with other plans.
There are no health questions and no underwriting.

For detailed information or to apply for BMA Plans Supplemental Accident Plans click this link.

This is not basic health Insurance.