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Fully Insured Accident Insurance Plans

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

 

Coloradans share an adventurous spirit. Whether you are a skier, hiker, rock climber or simply a brave wintertime commuter, living in Colorado does present some risk of accidents!

As residents of the Centennial State, we have learned that preparation is the key to living a mile or more above sea level. The old adage, “If you don’t like the weather in Colorado, just wait a minute” means that Coloradans must be prepared for anything the great outdoors may bring.

That’s why also being prepared with an affordable, benefit-rich accident plan is a wise move.

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 four different accident plans through Wholesale Benefit Association*, each with only a $100 deductible. The plans cover up to the stated limit every time a covered person suffers an accidental bodily injury. There is a one-time $10 application fee.

  • $2,500 Accident Plan - The individual plan is $24.75 per month, and the family plan is $38.75 a month.
  • $5,000 Accident Plan - The individual plan is $32.75 per month, and the family plan is $49.75 a month.
  • $7,500 Accident Plan - The individual plan is $39.75 per month, and the family plan is $59.75 a month.
  • $10,000 Accident Plan - The individual plan is $48.75 per month, and the family plan is $72.75 a month.

* Wholesale Benefit Association is presently not available in the following states - CA, CT, FL, ID, MD, MN, NJ, NY, SD, and VT.

 

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
Fort Collins, CO 

 

 

$2,500 Accident Plan

Up to $2,500 in Supplemental Accident Insurance Coverage per Family Member.

Coverage Information

Accident Medical Expense Benefit * 

Amount: $2,500 - subject to a deductible of $100.

This plan is available through Wholesale Benefit Association. It covers for 24-hours per day, and offers $2,500 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. In no event will they pay more than the $2,500 per accident. The policies includes limitations and exclusions. Please refer to the Master Policy for all insurance provisions.
Rate Information*
Individual: $24.75/month
Family: $38.75/month
Plus one-time 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.

 

$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*
Individual: $32.75/month
Family: $49.75/month
Plus one-time 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.

 

$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*
Individual: $39.75/month
Family: $59.75/month
Plus one-time 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 - 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*
Individual: $48.75/month
Family: $72.75/month
Plus one-time 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.

 

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.

To view the Certificate of Coverage listing any specific exclusions and limitations for coverage in your state of residence, please click here.

Other Carriers We Offer

SureBridge Supplemental Plans

 

"Definitely happy with the insurance! I actually had an accident a couple weeks ago and was pleased with the minimal co-pay I had."

"Definitely happy with the insurance! I actually had an accident a couple weeks ago and was pleased with the minimal co-pay I had. Thanks so much!"

Jessica Stonberg
Denver, CO

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"You provide excellent customer service."

"Once my communication started with Anna, the process became very smooth and easy. It was a pleasant surprise. Anna was VERY attentive in helping me sort through some misleading verbiage on your site about the accident insurance plan. She was responsive to my emails and phone calls. You provide excellent customer service."

Frederick Hartley
Durango, CO

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