Supplemental accident expense is accident insurance that can be added to an existing health plan to cover expenses incurred from an accident or illness not ordinarily covered under a major medical plan. It typically covers out-of-pocket medical expenses related to an accident, such as deductibles and copays as well as other expenses not included in other medical or insurance plans.
This insurance may benefit anyone who already has an existing health plan with a substantial deductible amount, whose access to health care providers is limited for some reason, and who wants to lower their out-of-pocket medical expenses. Certain insurance companies may offer this policy without health requirements or any evidence of insurability. With supplemental accident expense insurance, the insured can go to any health care facility of their choice and receive benefits directly from the insurer, regardless of other benefits they may receive from their health insurance policy.
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