Emergency room insurance supplements in the United States are a form of accident medical coverage that covers accidental bodily injuries. These plans have no health questions or underwriting, meaning everyone can qualify. Guarantee acceptance is usually until age 65. Since this is a form of accident insurance, plans can be used with any licensed doctor, emergency room, urgent quick care facility, or medical clinic. Some sales brochures might refer to these plans as 24 hour accident coverage, accident medical expense benefit, personal injury insurance plan, accident health insurance, or personal accident insurance. It should be nick named “pound for pound most useful plan” based on its practicality.
Supplements that provide this form of emergency room coverage are a membership based indemnity. A indemnity plan compensates for a loss in cash payments to member or medical care provider. Plans pay part of the medical expenses charged by doctors or hospitals up to a benefit amount of $2,500, $5,000, $7,500, or $10,000 per accident. Plans are not marketed as insurance, rather a limited accident medical expense policy. Plans are tied into a association that offers it’s members this type of emergency room insurance coverage. Coverage is for bodily injuries and not sickness related ER visits. On a good plan, injuries sustained in kids league sports like soccer, football, and baseball are covered. High school sports injuries are also covered on some plans. Professional or College level sports injuries are not covered. Just like any other health insurance plan, injury must happen while coverage was in force and directly caused a loss to you covered under the policy. So benefits are only payable if the policy was active before the injury occurred. Kids can stay on the family accident plan until age 26 when they’ll have to switch to an individual policy.
Since plans are not insurance but a association, applications have no health questions and acceptance is guaranteed. Emergency room coverage plans can’t have a strict “in network or out of network” set of rules. The ER supplement I’m writing about here can be used at any hospital, doctor, or clinic. Plans also can be used as travel insurance while outside the United States. Most plans only will cover abroad for two consecutive months. So if your vacation out of country go’s past 2 months, plan won’t cover any bodily injury claims. But who’s really worried about health insurance during a 2 month vacation?
Personal injury insurance plans pay for all injuries from any one accident up to the policy benefit of $2,500, $5,000, $7,500, or $10,000 minus a $100 dollar deductible. Deductible is the out of pocket expense you (the insured) pays before the accident plan pays. Put differently, members can choose accident medical benefits of $2,500, $5,000, $7,500, or $10,000 US dollars with a $100 deductible per occurrence. Currently, most injury plans have a $100 or $250 deductible. Indemnity benefits reset after each accident and benefits are paid per injury or per accident with a new $100 deductible.
Emergency room …