Independent agency
Accident insurance pays you cash when you are hurt in a covered accident: an emergency room visit, an ambulance ride, a broken bone, a dislocation, a hospital stay or follow-up care. The money goes to you, not the doctor, so you can put it toward a deductible, copays or the bills that keep coming while you heal. Viola explains what each policy pays for.
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In their own words
I am so glad I met Viola. She is a phenomenal healthcare representative. She went above and beyond and continues to do so this is my second year with her and I will never go anywhere else. She is very knowledgeable and truly amazing. She will get you the coverage you need at the price you can afford. She even goes out of her way to send thank you letters cards And stuff like that. She’s appreciative of your business. You’re not just nobody you’re somebody to hurt. She cares about what she does and it shows thank you Viola for all that you’ve done for me.
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Accidents are the kind of cost nobody budgets for. A fall, a sports injury or a car accident can mean an emergency room visit, imaging, a specialist and physical therapy, and even good health insurance leaves a deductible and coinsurance. Accident insurance is built for that gap: it pays set amounts for listed injuries and treatments, in addition to what your health plan pays.
Most accident policies work from a schedule of benefits: a set amount for an emergency room visit, for an ambulance, for each type of fracture or dislocation, for a hospital admission and for follow-up visits. Many also include an accidental death and dismemberment benefit. Viola reads the schedule with you so you know what a typical injury would actually pay.
Accident insurance covers injuries from accidents only. It does not pay for illness, which is what critical illness and hospital indemnity coverage are for, and it does not replace health insurance. Policies also list exclusions, so she points those out before you buy rather than at claim time.
It can be bought on its own for you or your family, and many employers offer it as a voluntary benefit paid through payroll. Active families, people with a high deductible health plan and people who work with their hands often find it worth the modest premium. If your savings would easily cover an emergency room bill, she will tell you so.
Once you have it, she makes sure you know how to file a claim and what paperwork the insurance company asks for. Coverage is subject to the terms of the policy and carrier approval.
You have an active family, a high deductible health plan or a physical job, and you want cash in hand if an injury sends someone to the emergency room.
No. It pays set cash benefits on top of your health insurance when you are injured in a covered accident. You still need medical coverage. Accident insurance helps with the deductible, copays and everyday bills that follow an injury.
Both pay cash directly to you, on top of your health plan. Critical illness pays a lump sum on a covered diagnosis; hospital indemnity pays set amounts for hospital stays. Here is how to tell which gap you have.
If you are under 65 and do not have coverage through work, you have more choices than most people realize. Here is a plain English map of each one, what it costs you, and what it leaves out, wherever you live.
No. It pays set cash benefits on top of your health insurance when you are injured in a covered accident. You still need medical coverage. Accident insurance helps with the deductible, copays and everyday bills that follow an injury.
Injuries from a covered accident. Policies pay set amounts for things like an emergency room visit, an ambulance, fractures, dislocations, a hospital stay and follow-up care, listed in the policy's schedule of benefits.
In cash, directly to you, after you file a claim for a covered injury. You decide how to use it: medical bills, the deductible, or household costs while you recover.
No. Accident insurance pays only for injuries caused by an accident. Illness is what critical illness and hospital indemnity coverage are for, and some people combine them.
Not quite. Accidental death and dismemberment (AD&D) pays if an accident causes death or the loss of a limb, sight or hearing. Accident insurance pays for everyday injuries and treatment, and many accident policies include an AD&D benefit as well.
Often, yes. Many employers offer accident insurance as a voluntary benefit paid through payroll. It can also be bought on its own for you or your family, and Viola can compare the two.
Business owners who want to offer it to their team can talk with her about adding it to an employee benefits package.
It often fits well there, because a single emergency room visit can mean paying much of the deductible yourself. Whether it is worth it depends on how active your household is and how easily your savings would cover an injury.
Usually not, if you pay the premiums yourself with after-tax money. If an employer pays the premium, or you pay it with pre-tax dollars through payroll, benefits may be taxable.
Rules depend on how the policy is paid for, so check with your tax advisor if you are unsure.
Yes. Individual accident policies are available to many people on Medicare, within age limits set by each insurance company. It can help with what Medicare leaves, such as Part B coinsurance or Medicare Advantage copays after an injury.
Viola looks at your Medicare coverage first, so you only add what fills a real gap.
Accident Insurance, licensed in 29 states plus DC: in person in Chandler, AZ, by phone or video everywhere else. No pressure, plain answers, and a review every year.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 (480) 300-5776
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