Learn more about Accident Insurance
Frequently Asked Questions Accidents happen. And many people are not financially prepared for the unexpected out-of-pocket costs that come with them. Accident Insurance can help provide a financial cushion so you can stay on track financially and focus on your recovery. I have a good medical plan, so why do I need Accident Insurance? An accident plan works to complement your medical coverage-paying in addition to what your health plan may or may not cover. It pays a lump sum amount directly to you to use however you choose, like for out-of-pocket medical costs such as deductibles, co-pays, or non-covered services. You can even use it to help pay for everyday living expenses, like babysitters and take-out food, making recovery a little easier and helping you to safeguard your savings. What types of services are covered? Accident Insurance, issued by The PrudentiaI lnsurance Company of America (Prudential), pays you for a variety of medical services including, but not limited to: Injuries, like: • Fractures • Burns (2nd & 3rd Degree)
How much would it cost? Accident Insurance may be more economical than you think. It’s designed to be an affordable way to complement your current medical plan. How are benefits paid? We send payments directly to you, not your doctor, hospital, or any other health care provider. There’s no coordination with any other coverage, so the amount you receive is in addition to other benefits you may have. Is the claim process easy? Yes. Submitting a claim is simple. Choose how you want to send it to us—online, fax, phone, or paper—and our experts will take care of the rest. You only need one claim form per admission or hospital stay, no matter how many services you receive. Best of all, we typically make a benefit decision within 5 business days. Do I have to answer medical questions to get this coverage? No. You’re guaranteed coverage regardless of your health when you enroll during your annual open enrollment period. You just need to be actively at work on the day your coverage starts.
Medical services, like: • Ambulance (Ground or Air) • Emergency Room Visit • Medical Tests • Medical Appliances (like crutches) • Physical Therapy
• Concussion • Laceration • Broken Tooth
The Providence Call 7
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