Supplemental Accident Coverage

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$5,000 Plan Details

$10,000 Plan Details

Supplemental Accident Coverage
Fully Insured Accident Plans

Up to $10,000 in Supplemental Accident 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 HSA-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 HSA plan.

ColoHealth 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.
$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). Wholesale Benefit Association does not offer coverage in Maine, Connecticut and Arkansas. If you live in one of those states, click here.

The Importance of Timing

Joshua Harrison
and his $2,500 cast

It was just another Sunday, not much to do, just shopping, errands and a birthday party for our 8 year old son Joshua's friend. Not the kind of day when you would expect anything to happen, but have you ever had a day where you expected something to happen?
First up - shopping, we despise doing this, so we get it out of the way. We then made a quick run to the bank and the post office. Finally, we drop off Joshua at the birthday party. The party is just around the corner from our house, so we walk him there. Day over - all we have left to do is to pick up Joshua in a couple of hours - time to relax, right?
Wrong! Two hours later we are at Urgent Care getting Joshua's wrist and arm x-rayed. You see while Joshua was at the party running and playing with his friends he decided, like most kids do, that he was unbreakable, like all the super hero's he loves to imitate. A quick run up a ladder and jump off the platform amounted to two fractures in his left arm. Don't worry too much - he was fine in 4 - 6 weeks.
The reason we tell you this story is not because we don't want you to send your kids to their friend's birthday parties. We tell you because we found out the hard way, that "time truly is money." You see we decided on September 5th to purchase an accident plan for our family. We could have had it start immediately, but we decided to save a little money and have it start on October 1st. Why was that bad timing? Because Joshua's accident happened on September 28th, two days before our accident plan was effective.
Two days... two days cost us $2,400. With doctor bills, x-rays, urgent care, rehabilitation and medication our total out of pocket was $2,500. If Joshua could have just held off for two more days it only would have cost us $100, the accident plan deductible. Or we could have decided to spend the extra $35 for the month of September and the financial outcome would have been the same.
The moral of our story is a simple one - you make decisions every day because you don't think anything is going to happen. The fact of the matter is it could happen to anyone, any day.
Yvonne Harrison
Director of Operations
ColoHealth

$5,000 Accident Plan

Up to $5,000 in Supplemental Accident 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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There are several important exclusions you need to be aware of before you join WBA:

Injury covered by Worker's Compensation or the Occupational Disease Law or mandatory no-fault automobile insurance.

Suicide, attempted suicide or intentionally self-inflicted Injury while sane.

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.

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.

Covered Charges incurred outside of the United States or its possessions.

$10,000 Accident Plan

Up to $10,000 in Supplemental Accident 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.