Accident Medical Expense - Flex Benefits

While you have health insurance through a job, parent, spouse or significant other, you may not be financially prepared for medical bills if you have suffer an unexpected accident that lands you in the hospital or takes you away from work for a period of time. That’s where accident Insurance can help cover your expenses.

Flex Accident provides you with additional benefits on top of your comprehensive health plan. Get accident insurance to help with your out-of-pocket expenses up to the annual benefit amount you select.

Accident Medical Expense Benefit is available per person, per calendar year, subject to a deductible for medical expenses associated with a accidental injury for a benefit period up to 180 days. There is no limit on the number of accidental injury claims. Benefits are payable for expenses only when they are in excess and not reimbursed by another healthcare insurance plan, whether a claim has been made for benefits it provides or not. Accident Medical Expense benefits are paid up to the maximum benefit per calendar year.

Covered Expenses

1. Hospital Room and Board
2. Hospital miscellaneous charges during hospital confinement – services and supplies
3. Physician Service
   • • Charges for surgery
     • Anesthesia services
     • Physician inpatient, and office visits
4. Outpatient Surgical, Charges
   • • X-ray and laboratory services
5. Emergency Room Care and Treatment
   • • X-ray and laboratory services
6. Ambulance Services
7. Prescription Drugs
8. Dental Services for injury to natural teeth
9. Skilled Nursing Facilities
10. Home Health Care

Important: You should have a comprehensive health plan before purchasing this type of supplemental, limited benefit coverage.