USA Medical > Accident Medical Plans
Why accident medical insurance ?
Features & Uses of the Accident Only Medical Insurance Plan:
The Accident Only Major Medical Plan is intended to reimburse the eligible expenses from injuries, due to accidents. Policy terms can be from one month up to three years. The Accident Only Major Medical plan is set up to be as simple as possible - No co-pay & No coinsurance. Policy Maximum and deductible are per person, per policy period. There is a choice of $100, $250, $500, $1,000, or $2,500 deductible.
Eligible Expenses including Hospital Expenses: All medically necessary expenses while hospitalized include Hospital room and board limited to semi-private daily rate, Hospital intensive care unit, Emergency room care, Outpatient surgery, Diagnostic services, Supplies and therapy.
Physician Services include All medically necessary expenses for treatment including Physician services consisting of home, office, and hospital visits, Other medical care and treatment, Diagnostic services, Supplies and therapy.
Skilled Nursing Facilities: Skilled Nursing Facility room and board, provided confinement begins within 30 days following a Medically Necessary Hospital confinement of 3 days or longer. Home Health Care: All medically necessary expenses if hospitalization would have been required if Home Health Care was not provided and the care is provided in accordance with a written plan established, approved and followed by a physician.
Ambulance Services Expenses: To and from a hospital within 100 miles in the same geographic area.
Prescription Drugs: Outpatient prescription medications covered up to a maximum of $500.
$25,000 Accidental Death: $50,000 if accidental death occurs while riding as a passenger of a common carrier.
Common Accident Provision: In the event that you and any additional insured family members suffer injuries from the same accident, only one deductible shall be applied.
Sports or Activities Coverage If you elect this option, underwriters will reimburse you for eligible expenses which are incurred due to an injury resulting from participation in a sport or activity that is specifically named on the Schedule of Coverage. Benefits will be paid up to a maximum of $250,000 or the maximum benefit as stated in the schedule, whichever is lesser.
Accident Only medical plans are NOT ACA compliant.
Needing Accident Medical Only Coverage While traveling abroad ?
Are you planning a trip outside the United States?
Concerned your ACA, STM, Domestic health plan or Medicare / Medicaid / TriCare won't cover you abroad ?
You are correct ! None of these "domestic health plans" will cover claims abroad adequately. Thus the need for the GAPP Plan.
The plan is available to all US citizens and residents and in fact available to foreign nationals traveling outside their own home countries. All countries are covered including war zone countries and hot spots.
Optional riders can be added including for war zones, hazardous sports or athletic activities, emergency medical evacuation and repatriation.