We are an On-line Health Insurance Brokerage specializing in (AME) Accident Medical Expense Plans throughout the United States. Accident Medical Expense (AME) Insurance Plans and Supplements have been used with High Deductible Health Plans for ages. Not every State offers this particular association based accident policy. Typical benefit amounts in the AME industry are $2,500, $5,000, $7,500, and $10,000. High limit AME Plans offer $15,000, $20,000, and $25,000 in coverage. Plans often have a $100 to $250 US dollar deductible per injury. Fill out our form and learn which Accident Medical Expense Plans are available in your State.

Accident Health Insurance Supplements often fly under the radar, however they are incredibly practical. Coverage is Guarantee Issue and sold in the indemnity insurance market and serves as supplemental accident coverage.

Simply put, Indemnity Insurance Plans compensate policy holders for a suffered loss (Hospital or Doctor bill). Many consider these plans as a type of compensation coverage. Savvy medical insurance consumers love Indemnity’s because they know upfront what’s actually going to be paid in the event of a covered Emergency Room bill. Most AME (Accident Medical Expense) Plans have no health questions during enrollment and everyone is accepted until age 65 to 70.

Accident Medical Expense Plans pay a predetermined fixed rate for whatever ails you up to the policy max per injury. This unique supplement has monthly membership dues instead of monthly premiums such as High Deductible Health Plans. As you’ll see, the monthly membership dues are very reasonable for individuals and families.

Plan members have access to any licensed Doctor, Emergency Room, Hospital, Clinic, and Urgent Quick Care Facility. This ridiculous freedom to choose your own Doctors and Hospitals attracts many. Less rules is good. AME Plans combine reasonable monthly prices and focuses on insuring the area of highest probability (Emergency Room). They are the pound for pound most realistic, clever, and practical injury insurance plan out there.

It can be time consuming and perhaps annoying to hunt around for the best plans in your region. We are here to keep you updated on which plans make sense in the ever changing landscape of health care. Unfortunately, many States change their status with accepting AME Plans and other personal accident plans. After you tell us what type of Accident Plans your looking for, we’ll be contacting you with available policies aligned with your resident State.

AME Plans can offer individuals and families unique deals on certain medical care because it’s tied into an association based organization. Policy holders are actually becoming “members” after the initial enrollment. Accident Health Insurance Supplements have many different names depending on who’s sales brochures you come across. Other names include Accident Medical Expense Benefits, 24 Hour Accident Coverage, Accident Medical Coverage, Accident Supplemental Benefit Plan, Supplemental Accident Coverage, Emergency Room Insurance Plan, Limited Accident Medical Expense insurance, and Personal Injury Insurance plan.

You’ll find literally hundreds of different discount insurance packages that offer access to this style of accident only coverage. An interesting discovery was that most of these are underwritten by Guarantee Trust Life Insurance Company who’s been around for 70 or more years. Guarantee Trust Life Insurance Company is located at 1275 Milwaukee Avenue Glenview, Illinois 60025.

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Guarantee issue insurance benefits is a niche within the health insurance industry that is now becoming the standard. As the name suggests, everyone who applies for personal accident insurance qualifies. There are no health questions, underwriting, or waiting periods with this style supplement. Automatic acceptance through age 64 or 70 is typical.

One consistent theme from all the sales brochures is the member can choose any Doctor, Clinic, ER, or Hospital. Since this is a injury insurance plan, it’s primary focus is on emergency room coverage. We are talking about accidental bodily injuries here, and gaining immediate access to all Emergency Rooms, Surgeons, Hospitals, and Urgent Care Facilities is a given. This type of world wide 24 hour accident coverage is straight up and practical.

A smart way to view Health Care is insuring areas of higher incident which is the ER. Emergency room bills resulting from accidental bodily injuries is where a lot of Medical Insurance deductibles are being met. Emergency room care tends to be higher probability then other areas. Generally, Major Medical Insurance companies don’t pay anything until the high deductible is met. Over the years I’ve noticed that whenever my clients end up paying these huge deductibles it’s from a emergency room visit due to a bodily injury. X-rays, MRI’s, and Surgery (in or outpatient) is what usually follows.

A typical complaint about High Deductible Health Plans (HDHP) is “it doesn’t pay anything.” What people are saying is they have to pay out of pocket for any type of bodily injury once they head to the emergency room. In many cases, even if you have a major medical insurance plan with a 5 million life time max – ER bills are coming in the mail. If you break some bones or tear a ligament and need to get MRI’s, X-rays, or even surgery, that comes out of your pocket unless the deductible has already been satisfied by a previous claim that calendar year. Major medical carriers do offer a “emergency room rider” that you can tack onto your catastrophic plan when doing the application.

These riders reduce your out of pocket exposure by insuring the deductible from ER claims. In my opinion, if your going to pick up a ER plan it’s better to get a stand alone because it’s more portable and can supplement any future carriers you’ll switch to. Let’s face it, switching Health Insurance companies is not fun and must be carefully considered. Finding better coverage that is less expensive per month is the goal for most of us.


– Ambulance Expense.

– Hospital Emergency Care.

– Doctors visits (inpatient and outpatient).

– Doctors fees for surgery.

– Anesthesia Services.

– Prescription Drugs.

– Dental treatment for injury to sound natural teeth.

– Registered nurse.

– Miscellaneous hospital expenses during stay, outpatient surgery under general anesthetic, operating room costs, lab tests, x-ray exams, anesthesia, drugs (excluding take home type drugs) medicines, and physical therapy services and supplies.

– Hospital room and board, general nursing care, up to the semiprivate room rate.


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Benefits can be paid directly to the member or the provider. Some plans always pay benefits directly to the member and some only pay the providers. Typical face values of personal accident insurance plans are $2,500, $5,000, $7,500, and $10,000. Benefits are payed per injury or per occurrence, however you want to phrase it. The covered charges are only payed for bodily injuries and not sickness. Deductible of $100 dollars is typical. So the plan picks up the bill 100% up to the benefits max chosen.

If some one picks up a $10,000 Principal Sum plan they can expect to pay around $36 a month. A family $10,000 emergency room insurance plan would be around $47 a month. Bigger the family, bigger bang for the buck. Younger dependents on a family policy tend to have more emergency room visits. Young kids and broken bones go hand in hand.

Some policies cover kids league sports like Little League and High School Football. Organized or team sports are covered unless it involves professional level or college athletics. Children can usually stay on the family plan until age 26. Not all plans are equal with this benefit regarding kids sports so look for a policy that specifically states that children’s league sports are covered.

If you do have a injury insurance plan in place here’s some tips:

– Know which are the best local Emergency Rooms in your area. If the nature of the injury allows you time to think which hospital to go to, knowing the best hospitals in your area ahead of time is wise. Ask your friends and family which hospitals have the best reputation if you don’t already know.

– If you do get injured and the hospital recommends surgery, figure out who the best local surgeons are by asking around. If the accident health insurance plan pays benefits for any doctor, you might as well go to the best local surgeons. Physical therapist in your area will know who the best surgeons are. Especially if the doctors work with professional athletes in your state.

– Increase your current health insurance deductible to the face value of the accident policy. If you already have a $10,000 accident medical coverage plan increase the deductible with your current major medical plan to $10,000. This could cut your monthly premium in half meanwhile insuring the deductible with the accident supplement. Basically, your insuring the deductible in the ER which makes sense since that’s were a lot of high deductible health plans are met.