Accident/Injury Protection

The most effective way for South Carolina residents to  lower  health insurance rates is to raise the deductible. However that could leave a gaping hole in your coverage. The Forbes Insurance Agency highly recommends supplementing your health insurance policy with an Accident/ Injury Supplement coverage. 

With Major Medical: Families are looking for rate relief. The only way to achieve lower rates is to assume more financial risk in the way of higher deductibles, copays and annual out-of-pocket maximums. In most cases the change in deductible will result in $200 or more in premium savings. So think about it, we can lower your overall premiums with a higher deductible health plan (for individuals or families) to make health insurance more affordable. Let’s keep as much money in YOUR pocket as possible. By adding the Accident/Injury coverage your deductible now has been lowered to $100 per occurrence.

Families that have children playing sports, or active adults, are prone to accidents. Instead of paying the high deductible that your health insurance policy states, we can easily add the Accident/Injury supplement for $30 per individual or $50 per family

Without Major Medical: One of the many attractive benefits accident/injury plans is that they function as the secondary coverage if the person has primary coverage. Meaning these plans pay whatever the primary does NOT cover up to the max benefit for any accident .

However, if the person does NOT have a primary coverage these plans will function as the PRIMARY. Meaning it will pay the medical expenses incurred due an injury (or critical illness should you opt for that coverage) up to the maximum benefit less the $100 plan deductible.

The primary reason most families don't have health insurance coverage today is because they can't afford it. Most Moms without medical coverage are not worried about taking their child to the Doctor for the flu and a fever. She's not as concerned about a $50 Doctor visit and a $4 prescription at Walmart, as she is Junior falling off of his skateboard and incurring a $1900 emergency room bill.

The Forbes Insurance Agency is here to help you!  Our job is to get South Carolina residents a health insurance plan that both fits within your budget and meets your medical needs. Call Me Toll Free: (800) 418-7442