Additional Benefits

Supplemental Accident Insurance Coverage
Fully Insured Accident Plans

Up to $10,000 in Supplemental Accident Insurance Coverage per Family Member.
The perfect complement to a Health Savings Account.

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Since the average trip to the emergency room can cost hundreds or thousands of dollars, an accident plan is a perfect complement to a high deductible Medigap-qualified 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.

MediGap Advisors 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. 
  
  
• $7,500 Accident Plan - This plan, also available from Wholesale Benefit Association, offers $7,500 of coverage per person any time you suffer an accidental bodily injury.  The individual plan is $28 per month and the family plan is $41 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).

$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.

*

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.

Rate Information*

$5,000 Accident Plan Individual Family $22/month $35/month Plus one-time $10 application fee

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*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:

1. Injury covered by Worker's Compensation or the Occupational Disease Law or mandatory no-fault automobile insurance.
2. Suicide, attempted suicide or intentionally self-inflicted Injury while sane.
3. 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.
4. 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.
5. 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*

$5,000 Accident Plan Individual Family $28/month $41/month Plus one-time $10 application fee

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*

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*

$10,000 Accident Plan Individual Family $34/month $47/month Plus one-time $10 application fee

* 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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