Protecting Your Loved Ones

Protecting Your Loved Ones

Protecting Your Loved Ones

Kids in Sports? You Need Accident Insurance

 

If your family’s motto is, “It’s a great day when there’s a game!”, here’s insurance coverage you absolutely want to consider.

 

There’s a big story around high school sports, and it’s participation. More than 8 million kids in America play, according to the National Federation of State High School Associations (NFHS).

 

What’s surprising is what’s growing. For example, in football it’s from the girls’ side, thanks to flag football. Wrestling is up, too—both boys and girls—as well as track, volleyball and soccer.

 

If your kids are in sports, no doubt you’re seeing this firsthand. Sooner or later, however, what you’re also going to see is your kid with a sprain, strain or broken bone.

 

What then? That’s when you’ll be glad you’ve got Accident Insurance. Here’s how to get it with Mercer Indigo.

 

 

High Deductibles + Sports Accidents = Ouch!

 

If your health insurance’s family deductible is average, it’s around $10,310. Yours may be more, and it may be per individual instead of one single family deductible. Marketplace plan deductibles are high, too. For families, the average Bronze plan deductible is $7,481, and it's $4,890 for Silver plans.

 

That’s a lot of money when a kid gets hurt. And yes, you can draw on your savings, but maybe that money is planned for something else. Or, you can use your Health Savings Account, if you have one.

 

Having help to pay deductibles and copays is easy with Accident insurance because it pays cash benefits directly to you.

 

 

How Do Accident Plans Work?

 

Accident insurance doesn’t replace your health insurance. It works with it to pay the gaps your regular insurance doesn’t. Here’s how it helps add a cushion to your finances:

 

  • Pays a lump sum of cash directly to you—use it any way you like. There are no restrictions on how you spend the money.
  • No networks or pre-approvals. It pays no matter what doctor you see.
  • Higher payouts for severe injuries. Benefits are based on injury type.
  • Pays money in addition to your health insurance.
  • Affordable coverage—many plans are only a few dollars a month.

 

 

Get That Money!

 

Just one torn Achillies tendon, and you’ll thank your foresight to sign up when the bills come in for a kid’s surgery, scans, physical therapy, boots and crutches.

 

Get directed to a free quote today through Mercer Indigo. Just choose a carrier then answer a few quick questions on their site to better personalize your quote. You decide what’s best for you. 

 

Visit the Accident Insurance product page to learn more