As a contractor, your work environment can be unpredictable and potentially hazardous. While you take all necessary precautions, accidents can still happen. That’s where a comprehensive accident insurance policy, like the one offered by USAble Life – Florida Blue comes in to provide an extra layer of financial protection.
Imagine this scenario: You’re working on a renovation project when you fall from a ladder, resulting in a broken arm. Your regular health insurance may cover a portion of your medical expenses, but what about additional costs and lost wages while you recover? This is where accident insurance can make a significant difference.
USAble Life’s Accident plan offers you an additional layer of financial protection and pays you directly in the event of a covered accident. Let’s break down how Plan 2 of this policy could help in our scenario:
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Emergency Treatment: Up to $200 for initial ER visit
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Ambulance Transport: $300 for ground ambulance
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Fracture: Up to $5,000 for a fractured arm (exact amount depends on the specific bone and severity)
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Follow-Up Physician Visits: Up to $160 per visit, for two visits
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Physical Therapy: $40 per visit, for five sessions
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Medical Appliance: $140 if you need a sling or other medical device
In this example, using Plan 2 benefits, you could receive a significant amount in total cash benefits paid directly to you, in addition to what your major medical insurance covers. This extra financial support can be crucial during your recovery period, helping to cover out-of-pocket expenses or replace lost income.
But the benefits don’t stop at accident coverage. The policy also includes:
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Hospital Confinement: $340 per day if you need to stay in the hospital
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Accidental Death Benefit: Up to $40,000 for the policyholder
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Wellness Benefit: $75 annually for covered preventative tests
What’s more, this policy is guaranteed renewable during your lifetime, ensuring long-term protection. The monthly premium for Plan 2 ranges from $18.04 for an individual to $33.56 for family coverage.
At Fuller Insurance, we understand the unique needs of contractors and other professionals working in potentially hazardous environments. Our team of experienced agents can help you find the right accident insurance policy to complement your existing health insurance plan, ensuring you have comprehensive coverage both on and off the job site.
Don’t let an unexpected accident derail your career or financial stability. Contact the Fuller Insurance team today to learn more about how USAble Life’s – Florida Blue Accident policy can provide you with peace of mind and additional protection as you tackle your next project. Remember, in the world of contracting, it’s always better to be over-prepared than caught off guard.
