Accidental & catastrophic coverage
These pay you a fixed cash benefit when a covered event happens: an emergency room visit, a hospital stay, a broken bone. The money comes to you, not the hospital, and it’s yours to use for anything.
Is this you?
If any of these sound familiar, this is worth a conversation.
- You have a high deductible you couldn’t cover tomorrow
- You work in a trade where injury is a real risk
- You’d lose income during a hospital stay
- You already have a health plan, because this only sits alongside one
What it covers
What you can expect from this kind of plan.
- A fixed cash payment on a covered accident or hospital admission
- Paid directly to you, to spend on anything at all
- Often used to cover a deductible, rent, or lost wages
- Critical illness options for cancer, heart attack and stroke
The honest version
This is supplemental coverage and it isn’t major medical insurance. It will never replace a health plan, and anyone who tells you otherwise is selling you something they shouldn’t. It makes the most sense next to a high-deductible plan.
Find out where you actually stand
Fifteen minutes on the phone. I check what you qualify for, price the options side by side, and you decide with the numbers in front of you. Nothing to sign, and the quote is free.
Tell me what matters
Who needs covering, which doctors you want to keep, what prescriptions you take, and what you can comfortably pay each month.
Understand your options
Plans side by side: total cost, networks, benefits, limits, and the actual plan documents. The premium is only one number of several.
Choose what fits
You move forward only once the tradeoffs make sense to you. Then I handle the paperwork and stay reachable all year.
I stay on it
ID card problems, a denied claim, a baby, a move, renewal season. You call the same person who set your plan up.
Let’s clarify your options together
Bring your doctors, your prescriptions and a rough sense of next year’s income. Leave knowing exactly what you qualify for and what it’ll cost you.