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Accident Only Major Medical Plan

Accident Only Major Medical Plan- Benefits

Accident Only Major Medical Plan - How Coverage Works

The Accident Only Major Medical Plan is intended to reimburse the eligible expenses from injuries. Policy terms can be from one month up to three years. Benefits may be assignable once validated. Until then, benefits are paid directly to you to reimburse you for necessary medical expenses which have been paid by you, subject to covered expenses as outlined in the certificate.

All expenses are applied toward the deductible
Once the deductible has been fulfilled, the policy will reimburse 100% up to $1,000,000

The Accident Only Major Medical plan is set up to be as simple as possible - No co-pay & No coinsurance. Policy Maximum and deductible are per person, per policy period. There is a choice of $100, $250, $500, $1,000, or $2,500 deductible.

Eligible Expenses
Hospital Expenses	All medically necessary expenses while hospitalized including Hospital room and board limited to semi-private daily rate, Hospital intensive care unit, Emergency room care, Outpatient surgery, Diagnostic services, Supplies and therapy.
Physician Services	All medically necessary expenses for treatment including Physician services consisting of home, office, and hospital visits, Other medical care and treatment, Diagnostic services, Supplies and therapy.
Skilled Nursing Facilities:	Skilled Nursing Facility room and board, provided confinement begins within 30 days following a Medically Necessary Hospital confinement of 3 days or longer.
Home Health Care:	All medically necessary expenses if hospitalization would have been required if Home Health Care was not provided and the care is provided in accordance with a written plan established, approved and followed by a physician.
Ambulance Services Expenses:	To and from a hospital within 100 miles in the same geographic area.
Prescription Drugs:	Outpatient prescription medications covered up to a maximum of $500.
$25,000 Accidental Death:	$50,000 if accidental death occurs while riding as a passenger of a common carrier
Common Accident Provision:	In the event that you and any additional insured family members suffer injuries from the same accident, only one deductible shall be applied.
This plan is not compliant with the Affordable Care Act:	This is not intended to be a complete outline of coverage. Actual wording may change without notice. Underwriters reserve the right to modify terms and benefits at time of underwriting.