{"id":89879,"date":"2025-02-15T15:10:45","date_gmt":"2025-02-15T15:10:45","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/accident-health-insurance-do-you-need-one-or-both\/"},"modified":"2025-02-15T15:10:45","modified_gmt":"2025-02-15T15:10:45","slug":"accident-health-insurance-do-you-need-one-or-both","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=89879","title":{"rendered":"Accident &#038; Health Insurance &#8211; Do You Need One Or Both?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p id=\"breadcrumbs\" class=\"yoast\"><span><span><a href=\"https:\/\/wikiquoters.org\/\">Home<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\">Accident &amp; Health Insurance \u2013 Do You Need One Or Both?<\/span><\/span><\/p>\n<figure class=\"wp-block-image aligncenter size-full\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/i0.wp.com\/wikiquoters.org\/wp-content\/uploads\/2023\/02\/accidenthealthinsure.jpg?resize=600%2C400&amp;ssl=1\" alt=\"accident &amp;health insurance, which to get accident or health insurance, &#10;\" class=\"wp-image-598\" srcset=\"https:\/\/i0.wp.com\/wikiquoters.org\/wp-content\/uploads\/2023\/02\/accidenthealthinsure.jpg?w=600&amp;ssl=1 600w, https:\/\/i0.wp.com\/wikiquoters.org\/wp-content\/uploads\/2023\/02\/accidenthealthinsure.jpg?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 600px) 100vw, 600px\"\/><\/figure>\n<p class=\"has-black-color has-text-color\">It\u2019s hard to know what you\u2019re going to need in this life to mitigate the risk (like accident and health insurance) and know that no matter what happens, you can still live a comfortable life. <\/p>\n<p class=\"has-black-color has-text-color\">You deserve that and so does your family.<\/p>\n<p class=\"has-black-color has-text-color\">The difficulty is knowing which type of insurance to choose. <\/p>\n<p class=\"has-black-color has-text-color\">How do you know whether accident or health insurance is right for you? Should you get both? If so, what\u2019s the benefit of doing that?<\/p>\n<p class=\"has-black-color has-text-color\">At the same time, you don\u2019t want to be spending hundreds of dollars every month for something you believe may not be giving you peace of mind. <\/p>\n<p class=\"has-black-color has-text-color\">And that\u2019s what it\u2019s all about, right? Insurance offers peace of mind. You\u2019ll know what to do when a disaster hits. You\u2019ll know you can deal with it. You\u2019ll know your family with be okay.<\/p>\n<h2 class=\"wp-block-heading\"><strong>What is Accident and Health Insurance?<\/strong><\/h2>\n<p class=\"has-black-color has-text-color\">Spending by individuals on healthcare in the U.S. has risen steadily over the last four decades and it\u2019s expected to rise through 2026.\u00a0<\/p>\n<p class=\"has-black-color has-text-color\">Accident and Health Insurance products provide a financial safety net for expenses that other insurance may not cover. <\/p>\n<p class=\"has-black-color has-text-color\">So let\u2019s say your employers plan offers you medical, dental and vision insurance. Do you know whether or not you\u2019re covered if you have an accidental injury?<\/p>\n<p class=\"has-black-color has-text-color\">Not entirely. Even the best health insurance could leave you with unexpected costs. <\/p>\n<p class=\"has-black-color has-text-color\">That\u2019s where accident insurance can fill in the gaps.<\/p>\n<h2 class=\"wp-block-heading\">Do I Really Need Accident Insurance?<\/h2>\n<p class=\"has-black-color has-text-color\">Let\u2019s see. Here\u2019s an example. <\/p>\n<p class=\"has-black-color has-text-color\">Say, you fall off a ladder while hanging Christmas lights. <\/p>\n<p class=\"has-black-color has-text-color\">That single event could come with multiple expenses. A ride in an ambulance, a stay in the hospital, receiving medical treatments, being given medications, and much more. <\/p>\n<p class=\"has-black-color has-text-color\">According to Debt.org an average trip to\u2026the emergency room\u00a0<a rel=\"noreferrer noopener\" href=\"https:\/\/www.debt.org\/medical\/emergency-room-urgent-care-costs\/\" target=\"_blank\"> costs around $1,139.<\/a>\u00a0<\/p>\n<p class=\"has-black-color has-text-color\">Afterwards, you will more than likely need follow-up care, such as crutches, rehab or more medication.<\/p>\n<p class=\"has-black-color has-text-color\">Of course, this is on top of other everyday expenses, like taking a cab if you can\u2019t drive or ordering food delivery.<\/p>\n<h4 class=\"wp-block-heading\"><em>With accident insurance, you receive payments to use at your discretion. <\/em><\/h4>\n<p class=\"has-black-color has-text-color\">In this example, that could include everything from <a href=\"https:\/\/www.forbes.com\/advisor\/health-insurance\/deductible-vs-out-of-pocket-maximum\/\" data-type=\"URL\" data-id=\"https:\/\/www.forbes.com\/advisor\/health-insurance\/deductible-vs-out-of-pocket-maximum\/\" target=\"_blank\" rel=\"noreferrer noopener\">your\u00a0deductible<\/a>\u00a0or\u00a0<a href=\"https:\/\/www.healthcare.gov\/glossary\/co-insurance\/\" data-type=\"URL\" data-id=\"https:\/\/www.healthcare.gov\/glossary\/co-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">coinsurance<\/a>, to groceries or rides to work.<\/p>\n<p class=\"has-black-color has-text-color\">Perhaps you\u2019re still not convinced accident insurance is worth it.  Here are a few more points to consider:<\/p>\n<h2 class=\"wp-block-heading\">Accidents Happen More Often Than You Think<\/h2>\n<p class=\"has-black-color has-text-color\">Most of us don\u2019t worry too much about being in an accident. However, they are more common than you may realize.<\/p>\n<p class=\"has-black-color has-text-color\">In fact, emergency rooms across the country get about\u00a0<a rel=\"noreferrer noopener\" href=\"https:\/\/www.cdc.gov\/nchs\/fastats\/emergency-department.htm\" target=\"_blank\">35 million visits<\/a>\u00a0annually due to unintentional injuries. <\/p>\n<p class=\"has-black-color has-text-color\">As well, children are also more prone to accidents. <\/p>\n<p class=\"has-black-color has-text-color\">Each year, nearly one million kids under the age of 14 years are rushed to emergency rooms for\u00a0<a rel=\"noreferrer noopener\" href=\"https:\/\/www.stanfordchildrens.org\/en\/topic\/default?id=sports-injury-statistics-90-P02787\" target=\"_blank\">sports-related injuries<\/a>. <\/p>\n<p class=\"has-black-color has-text-color\">At the very least, it\u2019s well worth the consideration when thinking about accident insurance for your entire family.<\/p>\n<p class=\"has-black-color has-text-color\">For example, if you get in an accident, you might need to take time off work for physical therapy, follow-up care and for general healing and self care.<\/p>\n<p class=\"has-black-color has-text-color\">When this happens, bills can add up fast. Accident insurance can provide the extra cash you and your family need during periods of income loss.<\/p>\n<h2 class=\"wp-block-heading\">Perhaps The Greatest Asset of Accident Insurance is\u2026<\/h2>\n<p class=\"has-black-color has-text-color\">that it doesn\u2019t matter if you have a pre-existing condition or change jobs. As long as you\u2019re actively working, granting coverage is typically guaranteed. <\/p>\n<p class=\"has-black-color has-text-color\">This means no health questionnaires or biometric exams to take. You\u2019re covered no matter your health situation. This comes in handy if a prior medical issue puts you at risk for falls or other accidents.<\/p>\n<p class=\"has-black-color has-text-color\">Accident insurance is portable as well. Meaning, that if you change your job, you can keep your plan as long as you keep paying the premium. There may also be certain criteria to met as well. Your insurance agent can help you with that.<\/p>\n<h2 class=\"wp-block-heading\">Accident Insurance Covers More Than Just Injuries<\/h2>\n<p class=\"has-black-color has-text-color\">Insurance is often a nasty, but necessary business. Human beings can find themselves is extremely challenging situations.<\/p>\n<p class=\"has-black-color has-text-color\">That\u2019s why many accident insurance plans come with benefits for loss of limbs, accidental death, paralysis, or blindness. Having that extra protection can keep you (or your loved ones) from taking on the full financial impact of a serious accident.<\/p>\n<h2 class=\"wp-block-heading\">How To Get Accident and Health Insurance  <\/h2>\n<p class=\"has-black-color has-text-color\">There are several ways to get the proper coverage you need.<\/p>\n<p class=\"has-black-color has-text-color\">Many employers offer accident insurance as part of their benefits packages. This makes it easy to sign up. Buying accident (and health) insurance through your employer removes the need to shop around for different options.<\/p>\n<p class=\"has-black-color has-text-color\"><a rel=\"noreferrer noopener\" href=\"https:\/\/www.verywellhealth.com\/what-is-open-enrollment-1738755\" data-type=\"URL\" data-id=\"https:\/\/www.verywellhealth.com\/what-is-open-enrollment-1738755\" target=\"_blank\">Open enrollment<\/a>\u00a0is the perfect time to consider protecting yourself and your family with accident insurance. You can ask your benefits administrator (or your spouse\u2019s) if they offer accident and health insurance. <\/p>\n<p class=\"has-black-color has-text-color\">Better yet, you could call <a href=\"https:\/\/wikiquoters.org\" data-type=\"URL\" data-id=\"https:\/\/wikiquoters.org\" target=\"_blank\" rel=\"noreferrer noopener\">WikiQuoters<\/a> and speak with one of our licensed Life, Health and Accident Insurance Agents today. At WikiQuoters we guarantee a licensed agent picks up the FIRST time.<\/p>\n<p class=\"has-black-color has-text-color\">No call centers. No mindless data collections. We\u2019re here to serve. <\/p>\n<p class=\"has-black-color has-text-color\">Get a quote. Get it done.  Call WikiQuoters today.<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" data-recalc-dims=\"1\" decoding=\"async\" width=\"1024\" height=\"249\" src=\"https:\/\/i0.wp.com\/wikiquoters.org\/wp-content\/uploads\/2023\/01\/Main-Workspace-2000-%C3%97-1000-px-43.png?resize=1024%2C249&amp;ssl=1\" alt=\"quoterscast, wikiquoters, podcast for insurance, talk to a licensed agent\" class=\"wp-image-425\" srcset=\"https:\/\/i0.wp.com\/wikiquoters.org\/wp-content\/uploads\/2023\/01\/Main-Workspace-2000-%C3%97-1000-px-43.png?resize=1024%2C249&amp;ssl=1 1024w, https:\/\/i0.wp.com\/wikiquoters.org\/wp-content\/uploads\/2023\/01\/Main-Workspace-2000-%C3%97-1000-px-43.png?resize=300%2C73&amp;ssl=1 300w, https:\/\/i0.wp.com\/wikiquoters.org\/wp-content\/uploads\/2023\/01\/Main-Workspace-2000-%C3%97-1000-px-43.png?resize=768%2C187&amp;ssl=1 768w, https:\/\/i0.wp.com\/wikiquoters.org\/wp-content\/uploads\/2023\/01\/Main-Workspace-2000-%C3%97-1000-px-43.png?resize=1536%2C374&amp;ssl=1 1536w, https:\/\/i0.wp.com\/wikiquoters.org\/wp-content\/uploads\/2023\/01\/Main-Workspace-2000-%C3%97-1000-px-43.png?w=2000&amp;ssl=1 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><\/figure>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Home \u00bb Accident &amp; Health Insurance \u2013 Do You Need One Or Both? It\u2019s hard to know what you\u2019re going to need in this life to mitigate the risk (like accident and health insurance) and know that no matter what happens, you can still live a comfortable life. You deserve that and so does your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":89880,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[16487,597,11034],"dealstore":[],"offerexpiration":[],"class_list":["post-89879","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-accident","tag-health","tag-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Accident &amp; Health Insurance - Do You Need One Or Both? - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=89879\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Accident &amp; Health Insurance - Do You Need One Or Both? - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Home \u00bb Accident &amp; Health Insurance \u2013 Do You Need One Or Both? 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