It’s the start of little league baseball season, and time to start those DIY home improvement projects. Things are starting to happen in the great out-of-doors as the temperatures start to rise. With those outdoor activities come a lot more opportunities for the unexpected trip to the emergency room.
No one likes to think it will happen to their child, but the inevitable quite often happens on the summer baseball or softball diamond; sliding into home plate two players collide and one of them ends up with a broken bone. The out of pocket expenses for x-rays, treatment and physician expenses can all add up.
Another other scenario is just as daunting. A friend climbed up onto the roof to fix the gutter and downspouts, but fell from the top of the ladder, shattering both heels as he landed. Not only did he have a lot of time to think about what happened because he had about three months off work, but he had to come up with a lot of money out of pocket. His deductible was $5,000 and then he had to pay co-pays of 20 percent on top of that.
In both of these cases Accident Medical Expense Coverage and/or Accident Fixed Benefit Coverage would have helped with the expenses. When an accident happens, as they quite often do, Accident Medical Expense Coverage helps pay your out of pocket expenses. You pay a low monthly premium so when the unexpected happens, you’re covered. Your deductible and out of pocket costs for the emergency room, physicians all of the associated expenses are paid, and all you have to do is concentrate on getting well.
With Accident Fixed Benefit Coverage you get the coverage you need when you need it. Fixed benefits are just that, fixed amounts at fixed levels, but you choose the coverage that works for you. The benefit is, it is available when you need it. Should an accident happen, you have the coverage you need, now. Contact your AC Financial adviser to make sure you’re ready for the unexpected at 800-564-3156
