Standalone Accident Insurance
🚑 Cash in Your Hand After an Accident
A fall, a sports injury, a car accident — the bill lands on you before insurance pays a dime. This pays you directly, fast, regardless of what else you carry.
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🔔Want to know where you actually stand before anything happens? Many body-scan and screening providers let you test privately, cash-pay, no referral needed. See what a full checkup actually costs →
🩹 What does accident insurance actually pay?How It Works
A fixed cash benefit, paid straight to you (or your employee), for medical costs tied to an accidental injury — regardless of what other insurance is in place. Guaranteed issue options mean no health questions to get covered.
💵 Who gets the check, and is the payout taxable?Payouts
The money goes to you, not the hospital — use it for the deductible, rent, or lost income, whatever matters most. Generally, if premiums are paid with post-tax dollars, the payout itself is non-taxable income.
🏥 What’s actually covered?Coverage
- 🚑 ER visits, urgent care, ambulance rides, X-rays
- 🦴 Fractures, dislocations, concussions, lacerations
- 🏃 Surgery and follow-up physical therapy
- ⚽ Non-professional recreational sports injuries (youth soccer, biking, and the like)
👪 Who can enroll?Eligibility
Guaranteed issue for primary applicants 18–64, with dependent children covered to age 26, composite family rates, and $0 application fee.
⚠️ What won’t this cover?Fine Print
Sickness and chronic illness are excluded — this is strictly for sudden, unexpected injuries after your policy’s effective date, not pre-existing conditions. It’s a supplemental policy and does not satisfy ACA Minimum Essential Coverage.