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National General Life Plan Enhancer Accident Medical Expense Plan

National General Life Plan Enhancer Accident Medical ExpenseIt is no secret that costs associated with the Affordable Care Act (ACA) continue to climb. For those who qualify for the Advance Tax Payer Credit you are the lucky ones as your monthly premiums for your ACA Qualified Health Plan are softened by the available subsidy. However there are still costs that you are responsible in the form of deductibles, copayment and coinsurance. Although this is not new to health insurance what is new is the high overall limits we are now required to absorb as the consumer.

In 2019 the Out-of-Pocket Limit for a Marketplace plan was $7,900 for an individual and $15,800 for a family plan. For 2020 it will grow to $8,200 for an individual and $16,400 for a family plan. This is real money if you have health care needs and expenses within your family. It is said that 1 out of 4 hospitalizations are the result of an accident of some kind. If this impacts your family you will most certainly have to pay all or portions of your deductibles and out-of-pocket maximums.

AME Can Help!

National General Life's Plan Enhancer Accident Medical Expense plan can offer some relief. This plan gives you the opportunity to protect yourself from out-of-pocket costs you can't see coming. AME pays CA$H benefits directly to you, Plan Enhancer can help your face those unpredictable moments in life with a bit more confidence. Accident Medical Expenses gives you the coverage you need to pay the high out-of-pocket medical bills following an accident.

Choose from one of four available benefit levels: $2,500; $5,000, $7,500 and $10,000

  • Get coverage for accident-related health care costs with Accident Medical Expense
  • Accident coverage is guaranteed-issue, ensuring you get the coverage you need
  • No maximum number of covered accidents; no annual limit on coverage

Following a covered accidental injury, this plan will cover your accident-related medical expenses up to the benefit amount you choose.

How Accident Medical Expense Works

Mark was painting the living room when he fell of the ladder and broke his ankle. He has a primary medical plan with a $5,000 out-of-pocket limit and Plan Enhancer with a $5,000 benefit level

Treatment Cost $3,500
Primary Medical Plan Paid

$0

Plan Enhancer Paid $2,250
AME Deductible $250
Mark is responsible for the remaining $250

Accident Medical Expense Details

  • $250 deductible
  • Pays covered out-of-pocket expenses up to the selected benefit amount
  • Treatment-specific limits on ground ambulance, physical medicine and durable medical equipment
  • Includes accidental death and dismemberment benefits
  • No network restrictions
  • No waiting period applies
  • Covered persons can be 64 years of age or younger
  • Primary applicant must be 18 to 64 years of age
  • Acceptance is guaranteed

Quote and Enroll Online

Quoting a plan for your family is easy to do. Once you select the plan options that fit you need simply complete your enrollment Online.

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