California Supplemental Accident Plan
With rising health care premiums many people are purchasing high deductible health care plans from us (www.CA-InsuranceFinder.com) to reduce their premiums. This catastrophic coverage, often referred and purchased as a Health Savings Plans (HSA Plan) offers the solution many individuals, families and business’ are selecting to provide coverage for such an event.
There are two types of claims a person could incur: Illness and Accident. In both events a person or family would probably satisfy their deductible (example $5,000) and have 100% coverage for the rest of the year.
Many people, including myself and my family, have purchased an accident policy to supplement their health insurance. An accident is an unforeseen event, not planned and not pre-existing.
There are four accidents coverage levels you can purchase.
*Prices are monthly rates
*Prices include individual and families
Let’s assume that your family has a $5000 deductible and you purchased the $5000 (Basic Plus) Policy. The $44.95 rate covers your entire family with $5000 in accident coverage. Your son is playing soccer and falls (accident) and needs to go the Emergency Room where he is diagnosed with a broken wrist. He is “casted” and you get a bill for $2400 from your insurance company. Your deductible is $5000. Thus, you are responsible for the entire $2400.
You now submit your accident claim ($2,400) to the carrier and you receive a check for $2,300 because you have a $100 deductible with your accident policy.
Providing affordable insurance coverage to South Los Angeles and all of Orange County, including Huntington Beach, Newport Beach, Laguna Beach, Seal Beach, Costa Mesa, Westminster, Belmont Shores, Naples, and Lakewood, California