I’m evaluating options at my job for insurance and an optional insurance offering is accident insurance. I’m looking at this for my kids who play sports in school and on club teams. It’s $170 a year. Curious any thoughts on benefit of this type.
We currently have a $4000 deductible so health insurance doesn’t cover anything up until that point. It lists,
- Urgent Care.$120,
- physical therapy $500,
- crutches, x-rays, $120,
- Hospital admission $1,000,
- chiropractor $250 and some others.
They pay it directly to me. Appears as a gap policy to cover some of the upfront costs prior to the deductible. I also have an HSA to cover some of the $4k.
Its through The Hartford.