As premium costs for health insurance continue to rise, many Americans are purchasing plans with a higher deductible and coinsurance in order to stay within their budget. While raising the deductible on your health plan can be an excellent way to manage the cost of insurance, when accidents happen, a higher deductible may create an immediate financial challenge.
Our Accident Companion supplemental insurance plan is designed to be paired with your health insurance plan to provide assistance with the payment of the deductible and coinsurance.
The Accident Companion plan is simple. It offers four budget-friendly benefit level options that align with most health plan deductible amounts. The plan pays a lump-sum cash benefit directly to you to help you pay deductible and coinsurance expenses resulting from a covered accident or you may use it for other expenses. It’s your money; how you spend it is your decision.
Cash Benefits Can Be Used For
Copays or Coinsurances
Rent or Mortgage
Everyday Living Expenses
How Does Accident Companion Work?
Step 1: Help with out-of-pocket costs for accidental injuries.
When you receive treatment for an accidental injury, the plan pays lump-sum cash benefits directly to you.
Step 2: Submit your claim.
Easily check the status of your claim online 24/7.
Step 3: Receive your cash.
It’s your money, you decide how to use it.
Questions about Accident Companion Insurance
Are there any restrictions on how I use the money?
No, you can use the money however you choose. It’s your money, your decision.
Can I receive money for other covered family members injured in an accident?
Yes. You will receive a specified amount according to the injuries incurred by each covered family member.
Can I still receive money if I am not admitted to the hospital?
Yes. Accident Companion includes outpatient benefits for covered injuries.
How do I receive the money?
If you have a covered accident or illness, you file a claim with SureBridge’s underwriting company, The Chesapeake Life Insurance Company. Once the claim is reviewed and approved, a benefit check will be mailed directly to you.
How is supplemental insurance different than medical insurance?
When you are injured or sick, your medical insurance pays your doctors and hospitals; supplemental insurance is designed to pay you. The cash benefit you receive from your supplemental insurance plan can be used for anything you choose, including expenses health insurance won’t pay for, such as deductibles, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses.
How is supplemental insurance different than my current health insurance plan?
Health insurance plans pay your doctors and hospital. Supplemental insurance from SureBridge pays you. You decide how to use the cash benefits received.
Is supplemental insurance expensive?
SureBridge plans provide customizable protection for you and your family to fit any budget. Our policies are designed to fit your budget and fill the gaps to help protect your financial security. Get a quote to find out just how affordable adding supplemental insurance protection can be.
Is the money I receive affected by health insurance?
No. You will receive the benefit amount selected in addition to any other insurance benefits you may receive.
Who can I speak with to find out more information?
Call (866) 876-8756 Monday – Friday from 8:00 am through 7:00 pm for more information on SureBridge products.
Why do I need supplemental insurance from SureBridge if I already have medical insurance?
Medical insurance is very important but it is only part of the protection you need. You also need coverage to help fill financial gaps such as out-of-pocket medical expenses and other daily living expenses. Supplemental insurance pays you a cash benefit directly to you to help fill financial gaps.