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is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.


Accident insurance

supplemental coverage for unexpected medical costs

Accident insurance adds protection for a wide range of sudden unexpected medical costs. This insurance is available to individual purchasers or as part of an employee benefit plan. Policies are easy to understand, are inexpensive and available to all. The drawback, of course, is that these policies do not cover the cost of treating illnesses or disease.

Accident insurance is "guaranteed issue," meaning there aren't any health questions at the time of enrollment, so this contributes to the growing popularity of this type of coverage. Industry sources report that accident coverage has grown 14% to 20% in each of the past four years.

Accidents tend to increase during the summer months. One insurance company spokesman was quoted in Insurance Weekly News saying "Some of the most common accident claim payments we see include emergency room services, follow up treatments, doctor visits, fractures, hospital services and physical therapy," Cecil said. "These medical events can really drain a family's bank account. If a family has accident insurance, however, they are given a lump sum payment that can be used as needed to help soften the financial impact of these types of incidents." Cecil also notes the affordability of this type of insurance. "One claim can often repay the annual premium."

Health reform laws generally do not apply to accident insurance so these policies remain available through commercial online sources without the help of an agent or navigator. Coverage can stop or start at any time so these plan can be used for either short term or long term periods of coverage. There are no medical requirements so everyone under age 65 qualifies. Some plans may exclude active members of the military.

The most popular individual accident insurance plan here at Freedom Benefits is Smart Accident Insurance that provides $25,000 to $250,000 supplemental coverage from Markel Insurance Company. Premium cost is as low as $20 per month with easy online enrollment. Value 24 Hour Accident coverage is the second most popular choice. The most recent accident insurance introduced on the exchange is Zurich American offered through Consumers Direct.

Group accident plans can be an affordable supplemental voluntary employee benefit. A new product from Unum offers multiple benefit level choices - including the ability to tailor benefit amounts or eliminate specific benefits. This can help an employer meet their health plan objectives and their employees' needs. Ask for an employee benefit agent referral for more information.


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.