Accident Medical Expense Coverage
Do your members or employees face high deductibles or copays with other plans? Accident medical expense coverage could protect their financial future. These plans pay out pre-negotiated cash benefits for covered services up to a maximum amount.
Accident insurance supplemental coverage for peace of mind
Accident medical expense coverage allows your members to coordinate their care and benefits. It's an additional, or supplemental, insurance product. Typically, members have it in addition to other traditional insurance plans. After other plans have reimbursed them for care, accident medical expense insurance kicks in.
These plans pay cash benefits on an excess basis in the event of an accident. They're typically very affordable with small deductibles. For information about accident statistics and prevention resources, see the CDC injury prevention resources.
Accident medical expense insurance can help members who
Together, these benefits provide financial protection if the unexpected happens. These cash benefits go directly to members, not healthcare providers. Many plans can start immediately.
Minimize Out-of-Pocket Expenses
Members who need to minimize out-of-pocket healthcare expenses related to covered accidents.
Frequent Travelers
These plans don't have a fixed in- or out-of-network coverage area, making them ideal for those who travel frequently.
High Deductible Relief
Members who don't have enough in savings to cover the costs of high deductibles from other plans.
Financial Risk Protection
Those who couldn't recover from the financial risks of a long illness following an accident.
Immediate Coverage
Members who need coverage now, as many plans can start next-day.
Flexible Coverage Levels
Plans offer flexibility — more coverage for some or lower monthly premiums for others, depending on member needs.
Accident medical expense insurance options
We partner with nationwide carriers to provide high-quality, affordable insurance options to your members. As an exclusive administrator for The Health Depot Association and Affiliated Workers Association, we can provide group rates to your members.
States Available
Premier Health Solutions offers accident medical expense insurance in 40 states. The majority of our plans are guaranteed issue, with standard issue options also available.
Affordable Premiums
How much members pay depends on the level of coverage they choose, maximum benefit amounts, their deductibles, and their location.
We Serve
Small businesses, agencies and independent agents, and associations and membership organizations benefit from our comprehensive administration.
Group Rates
Exclusive group rates through our partnerships with The Health Depot Association and Affiliated Workers Association.
Things to keep in mind
These plans are best used in addition to traditional plans. They help with gaps in coverage and can be a life-changing supplement to another plan. Depending on the plan they choose, they only cover costs for certain covered services.
Do note that these plans are not considered an ACA-compliant health plan for tax purposes. These plans are best used in addition to traditional major medical plans and offer supplemental coverage.
What you can expect from Premier Health Solutions
Our team works from a unique model, pairing affordable insurance products with industry-leading member services. Industry veterans from top insurance and financial organizations lead our team.
Innovative cost-saving solutions
Value-added benefits that protect members from many out-of-pocket costs.
A concierge approach to member services
Real people answering questions and providing support when members need it.
Dedicated assistance to help you grow
Comprehensive, end-to-end services for your small business insurance administration needs.
Reliable support for your agency
High-quality relationships with leading carriers across the U.S. to create affordable and benefits-rich plans.
About Accident Medical Expense Coverage
Accident medical expense coverage is a supplemental insurance product that pays pre-negotiated cash benefits directly to you for covered medical services resulting from an accident. Benefits are paid up to a maximum amount regardless of what other insurance you may have.
No. Accident medical expense coverage is a supplemental product and is not a substitute for comprehensive health insurance. It is not minimum essential coverage under the Affordable Care Act. It is designed to help cover out-of-pocket costs that your primary insurance may not fully cover after an accident.
Coverage typically includes benefits for hospital and emergency room visits, doctor and specialist appointments, ambulance services, surgery fees, and imaging or diagnostic tests resulting from a covered accident.
Coverage can begin as early as the next day after enrollment, making accident medical expense insurance a fast and flexible option for members who need immediate protection.
In many cases, no. Guaranteed issue options are available, meaning you can enroll without answering health questions or completing a medical exam. Availability may vary by state and plan.
Accident medical expense coverage administered by Premier Health Solutions is currently available in 40 states. Contact us for the most current list of available states and plan options.
Yes. Accident medical expense coverage is designed to work alongside your existing health insurance. It helps fill in gaps by covering out-of-pocket costs like deductibles, copays, and other expenses that arise after an accident.
Benefits are paid as direct cash to the member. Once a covered claim is approved, you receive the benefit amount directly — you can use it however you need, whether for medical bills, lost wages, or everyday expenses during recovery.
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Our long-term success at Premier Health Solutions comes down to one thing. We simply do things the right way — for our customers and your members. We're committed to making healthcare more accessible for everyone. By offering innovative and cost-effective solutions for today's families, we're making that happen.