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Supplemental
Accident Insurance Coverage in Georgia
Fully Insured Accident Plans
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Up
to $10,000 in Supplemental Accident Insurance Coverage per
Family Member.
The perfect complement to a Health Savings Account.
All online applications are 100% secure using SSL
certified 128-bit encryption.
Since the
average trip to the emergency room can cost hundreds or thousands of dollars,
an accident plan is a perfect complement to your health insurance plan.
An accident plan will reduce your deductible for an accident to only $100.
Any benefits paid for by your accident plan will also go towards satisfying
your family’s annual deductible for your Medigap plan. eGAHealthInsurance
offers three different accident plans, each with only a $100 deductible:
- $5,000
Accident Plan - This plan, available from Wholesale Benefit Association,
offers $5,000 of coverage per person any time you suffer an accidental bodily
injury. The individual plan is $22 per month and the family plan is $35
a month, with a one-time $10 application fee.
- $10,000
Accident Plan - This plan, also available from Wholesale Benefit
Association, offers $10,000 of coverage per family member any time you suffer
an accidental bodily injury, for just $34 per month for an individual and $47
per month for family, plus a one-time $10 application fee.
To
pick the plan that is right for you, please review the following details of
each plan. Both plans are underwritten by Guarantee Trust Life Insurance
Company (GTL). |
The
Importance of Timing |
Joshua
Harrison
and his $2,500 cast
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| It
was just another Sunday, not much to do, just shopping, errands and a birthday
party for our 8 year old son Joshua's friend. Not the kind of day when
you would expect anything to happen, but have you ever had a day where you expected
something to happen? First
up - shopping, we despise doing this, so we get it out of the way. We
then made a quick run to the bank and the post office. Finally, we drop
off Joshua at the birthday party. The party is just around the corner
from our house, so we walk him there. Day over - all we have left to do
is to pick up Joshua in a couple of hours - time to relax, right? Wrong!
Two hours later we are at Urgent Care getting Joshua's wrist and arm x-rayed.
You see while Joshua was at the party running and playing with his friends he
decided, like most kids do, that he was unbreakable, like all the super hero's
he loves to imitate. A quick run up a ladder and jump off the platform
amounted to two fractures in his left arm. Don't worry too much - he was
fine in 4 - 6 weeks. |
The reason
we tell you this story is not because we don't want you to send your kids
to their friend's birthday parties. We tell you because we found out
the hard way, that "time truly is money." You see we decided
on September 5th to purchase an accident plan for our family. We could
have had it start immediately, but we decided to save a little money and have
it start on October 1st. Why was that bad timing? Because Joshua's
accident happened on September 28th, two days before our accident plan was
effective. Two
days... two days cost us $2,400. With doctor bills, x-rays, urgent care,
rehabilitation and medication our total out of pocket was $2,500. If
Joshua could have just held off for two more days it only would have cost
us $100, the accident plan deductible. Or we could have decided to spend
the extra $35 for the month of September and the financial outcome would have
been the same. The
moral of our story is a simple one - you make decisions every day because
you don't think anything is going to happen. The fact of the matter
is it could happen to anyone, any day. Yvonne
Harrison
Director of Operations
HSA for America
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$5,000
Accident Plan
Up
to $5,000 in Supplemental Accident Insurance Coverage per Family Member Coverage
Information Accident
Medical Expense Benefit *
Amount:
$5,000 - subject to a deductible of $100.
This plan is available through Wholesale Benefit Association.
It covers for 24-hours per day, and offers $5,000 of coverage
per family member anytime someone suffers an accidental
bodily injury.
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The
Accident Medical Expense Benefit Amount is payable
on an excess basis. WBA will determine the Reasonable
and Customary charge for the covered Medical Expense.
They will then reduce that amount by amounts already
paid or payable by any other plan from which the insured
person is entitled to receive benefits. They will
pay the resulting amount, subject to a $100 deductible,
plus amounts paid by the insured person to satisfy cash
deductibles or coinsurance amounts. Organized
sports for ages 18 and older are excluded. In
no event will they pay more than the $5,000 per accident.
The policies includes limitations and exclusions.
Please refer to the Master Policy for all insurance
provisions.
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Rate
Information*
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$5,000
Accident Plan
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Individual
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Family
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$22/month
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$35/month
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Plus
one-time $10 application fee
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Online
applications are 100% secure using SSL certified 128-bit encryption.
*1.
Rates are illustrative only; 2. Do not send money directly
to the issuer of this health benefit plan; 3. A person cannot
obtain coverage under this plan until you complete an application
for coverage; 4. Benefit exclusions and limitations may
apply.
There
are several important exclusions you need to be aware
of before you join WBA:
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Injury covered by Worker's Compensation or the Occupational
Disease Law or mandatory no-fault automobile insurance.
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Suicide, attempted suicide or intentionally self-inflicted
Injury while sane.
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Loss resulting from being legally intoxicated or under
the influence of alcohol as defined by the laws of the
state in which the Injury occurs.
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Loss resulting from intoxication; or the use of any drug
or agent classified as narcotic, psycholytic, psychedelic,
hallucinogenic, or having a similar classification or
effect, unless prescribed by a Doctor.
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Covered Charges incurred outside of the United States
or its possessions.
$7,500
Accident Plan
Up
to $7,500 in Supplemental Accident Insurance Coverage per Family Member
Coverage
Information Accident
Medical Expense Benefit *
Amount:
$7,500 - subject to a deductible of $100.
This plan is available through Wholesale Benefit Association. It covers
for 24-hours per day, and offers $7,500 of coverage per family member anytime
someone suffers an accidental bodily injury.
| * |
The Accident Medical Expense Benefit Amount is payable on an excess basis. WBA will determine the Reasonable and Customary charge for the covered Medical Expense. They will then reduce that amount by amounts already paid or payable by any other plan from which the insured person is entitled to receive benefits. They will pay the resulting amount, subject to a $100 deductible, plus amounts paid by the insured person to satisfy cash deductibles or coinsurance amounts. Organized sports for ages 18 and older are excluded. In no event will they pay more than the $7,500 per accident. The policies includes limitations and exclusions. Please refer to the Master Policy for all insurance provisions. |
Rate
Information*
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$5,000
Accident Plan
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Individual
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Family
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$28/month
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$41/month
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Plus
one-time $10 application fee
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Online
applications are 100% secure using SSL certified 128-bit encryption.
*1. Rates
are illustrative only; 2. Do not send money directly to the issuer of this
health benefit plan; 3. A person cannot obtain coverage under this plan until
you complete an application for coverage; 4. Benefit exclusions and limitations
may apply.
$10,000
Accident Plan
Up
to $10,000 in Supplemental Accident Insurance Coverage
per Family Member
Coverage
Information
Accident
Medical Expense Benefit*
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Amount:
$10,000 per occurrence, subject to a deductible
of $100.
Up
to $10,000 for Each Family Member, Per Occurrence
for Medical Services
- Use
Any Doctor, Emergency Room or Hospital
- Pays
Directly to You Unless You Assign Benefits
- $100
Deductible
Accident
Plan $10,000 is marketed through Wholesale Benefit Association.
It offers $10,000 of coverage per family member anytime you suffer an accidental
bodily injury. | Rate
Information*
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$10,000
Accident Plan
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Individual
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Family
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$34/month
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$47/month
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Plus
one-time $10 application fee
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*
All online applications are 100% secure using SSL certified 128-bit encryption.
*1.
Rates are illustrative only; 2. Do not send money directly
to the issuer of this health benefit plan; 3. A person cannot
obtain coverage under this plan until you complete an application
for coverage; 4. Benefit exclusions and limitations may
apply.
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