Accident Protection Medical Insurance

Accident Protection Medical Insurance

Why purchase personal accident protection?

NEA 24 Membership with 24 hour accident protection.

With the affordable care act, comes higher levels of cost sharing, deductibles and coinsurance holes in policies are nearly eliminated with the right accident plan in place.  Ohio health insurance deductibles are as high as $6600 per year.  Health Savings Accounts (HSAs) are a great ways to save money and leverage the tax advantages but higher deductibles leaves your family exposed to higher out of pocket expenses. The right accident plan makes it easier to have a high deductible health insurance plan (HDHP) knowing that you won’t have to cover the deductible, and perhaps the coinsurance (depending on your health policy), if you have an accident plan in place.

Option 1: Pays up to $2000 per accident ($50 deductible per accident) $34.95 per month
Option 2: Pays up to $5000 per accident ($100 deductible per accident) $44.95 per month
Option 3: Pays up to $7500 per accident ($250 deductible per accident) $54.95 per month
Option 4: Pays up to $10,000 per accident ($275 deductible per accident) $64.95 per month

(prices are for single coverage add $8-10 for family coverage)

Description of accident benefit:

1.Covers principal, eligible spouse and eligible dependents.
2.Pays 100% of covered medical expenses after satisfaction of the $50-275 deductible up to the coverage maximum. (2000, 5000, 7500, 10000)
3.Medical expenses coverage maximum per injury or accident.
4.Use any doctor, emergency room or hospital of your choice.
5.Pays directly to you. Medical Services means the costs for: medically necessary treatment by a physician or dentist; hospital room and board; dental work due to injury to sound natural teeth up to the benefit limit specified in the policy; drugs; medicines; diagnostic tests and x-rays; treatment performed by licensed medical professionals; or rental of durable medical equipment.
6.Benefits payable excess of any other collectible insurance coverage.

Probationary period: 30 days, see the Description of Coverage for details.

Accident protection can be used by itself to cover accidents or can coincide with your existing health insurance policy. As consumers, we often purchase PPO policies with high deductibles or high annual maximum out-of-pocket amounts in order to keep down our monthly premiums. Accident protection can help to minimize those out of pocket costs from your regular health insurance plan, in the event of an accident.

Offset your high deductible health plan (Perfect for those with HSA Plans)

Do you have an HSA or simply a high deductible health plan? Our accident benefit plan fills the gap on your high deductible health insurance plan. For example, many HSA plans have a $2500 deductible or higher. If a family member has an accident, the $2500 benefit from an accident policy would offset or eliminate your health plan deductible. The 5000 accident policy costs just $44.95/mo and covers all accident related expenses up to $5000.

Parents do your kids play sports?

If you have kids or teenagers, there’s no doubt you have made a trip or two to the doctor’s office or emergency room for the occasional skateboard, snowboard, basketball, snow ski, surfing, mountain bike or sports injury. Don’t get stuck paying your PPO or HMO deductible and co-pay alone. Use your accident benefit plan reimbursement to help offset your health insurance deductible and co-pay.

Are you without any insurance at all?

There’s no argument that health insurance can be expensive and sometimes hard to qualify for medically. For whatever reason, if you are going without health insurance, a accident benefit plan may be a good “stop-gap” solution to protect you and your family, until you are able to add a major medical health insurance policy.

Are you unable to qualify medically for health insurance? An accident benefit plan will give you some peace of mind and protection, when you are going without any insurance at all. For as little as $29.95 per month you can protect yourself and your dependent family members against accidents. That’s about a dollar a day to protect you and your family. And there are no medical requirements.

With the ever increasing rates for health insurance, many families are forced to go to the higher level deductibles in the 5,000 to 10,000 range.

Always remember to consider coinsurance, which is the shared portion of the bill after the deductible has been met.

Personal accident coverage is available from $2,000 to $10,000

Option 1: Pays up to $2000 per accident ($50 deductible per accident) $29.95 per month
Option 2: Pays up to $5000 per accident ($100 deductible per accident) $34.95 per month
Option 3: Pays up to $7500 per accident ($250 deductible per accident) $44.95 per month
Option 4: Pays up to $10,000 per accident ($275 deductible per accident) $54.95 per month

(prices are based on single coverage, add $5 or $10, depending on coverage level for family coverage)

Membership with Accident Coverage

Plan Features:

  • Pays 100% of Covered Medical Expenses after satisfaction of the $50-275 Deductible up to the coverage maximum (2000, 5000, 7500 or 10,000)
  • Use any doctor or hospital
  • MDHotline, a network of medical doctors you can call for a consultation or medical needs anytime, any day!
  • Accidental Death & Dismemberment benefits
  • Emergency Helicopter Air Ambulance benefits
  • Automatic acceptance through age 64
  • Benefits are paid directly to you



MDHotline: Members have UNLIMITED access to a nationwide network of medical doctors available 24 hours per day / 7 days per week for consultation or routine medical needs through the convenience of a toll free phone number, without having to take time to make an appointment or wait in line at a doctor’s office. MDHotline maintains member’s electronic medical records (EMR) in a highly secured, Internet accessible environment and makes this information available to our network doctors prior to a doctor consultation. Furthermore, a MDHotline Doctor can write a prescription where allowed by law when sufficient medical history is available. (MDHotline cannot write prescriptions for narcotics or DEA controlled substances.)

Enhanced Benefit Card: Dental Savings up to 40% off or more with almost 100,000 Dentists, Vision & LASIK Savings of 10%-50%, Lab Tests Savings of 10%-70%, RX Savings up to 20%, Hearing Savings up to 65%, Diabetic Supplies Savings of 15%-48% , X-Rays & Imaging Savings of 10%-80%, Chiropractic Savings of 10%-60%

The Dividend Club: Members will earn Dividends (paid quarterly to you) on Merchandise, Services, Travel & Entertainment when you shop from our On-line Mall and make a purchase. Choose from retailers like these, just to name a few, and get the dividends:,,,,,,,,,,,,,,,, etc.

Refund Sweepers: Free Merchandise, Bargains, On-line Coupons, Rebates, Sweepstakes & more

Car Rental Services: Provides discounts at Alamo, National, Hertz and Avis

Rewards Network: America’s Premier Dining Rewards Program and Hotel Discounts. Save up to 20% off every meal plus up to 15% off your hotel room rate

Get the protection you need, click here.


When will my benefits become effective?

All effective dates are the 1st of the month following your enrollment.

Do the accident expense benefits coordinate with other coverage?

Yes, the benefits are secondary to other coverage and will coordinate with other insurance.

Do I have benefits outside of the United States?

Yes, if you are traveling for pleasure outside of the United States you will be eligible for benefits.

What is the maximum age for accident benefits?

You can buy it up to age 64 years, 11 months and keep it until age 70.

Are dependents eligible as members?

Yes, a spouse under age 65 and dependent children to age 19 or full time student under age 25.

Is there a limit to the number of accidents per year that are covered?

No, the benefits are paid on a per accident occurrence.

What are the payment options?

You may pay by monthly credit card or monthly automatic bank draft.

If you’d like to learn more about this type of coverage feel free to visit our quoting website or by calling us at (866) 577-3620.