Accident Insurance
Accidents happen. You never know when or where, and they can lead to major disruption to your everyday life. Sometimes accidents can be minor, and a simple fix is all you need. Other times accidents can require more costly, medical attention.
Who it Helps Most
Accident Insurance helps people who are concerned about accidental injuries and their unforeseen medical costs.
How It Works
You have coverage options to give you more control over your budget and ensure a good fit for your medical needs. Accident Insurance covers you in addition to any other coverage. Having a health insurance plan isn’t required for covered benefits to be paid.
Plan Selection
I choose how much coverage I need and a deductible that's manageable for my own situation.
Need
If I accidentally get injured or get treatment for an accidental injury, it's difficult for me to afford the associated costs.
Reimbursement
After spending my deductible amount, MedMutual Protect starts reimbursing me for the chosen percentage of my additional covered costs.
Benefits Payable In and Out of the Hospital
| Inpatient Benefits | Outpatient Benefits |
|---|---|
| Emergency Room | Urgent Care |
| Hospital Stay and Services | Outpatient Surgery |
| Surgery | Outpatient Anesthesia |
| ICU | Physical Therapy |
| Anesthesia | Ambulance |
| Prosthesis | Doctor's Visits |
| Physician Treatment | X-Rays and Lab Tests |
Convenient Plan Designs
Deductible Amount
Plan designs have deductible options ranging from $0 to $5,000.
Coinsurance
Plan designs have coinsurance coverage (reimbursement) levels of 80% and 100%, payable after your deductible is met.
Maximum Benefit Amount
Plan designs maximum benefit amounts range from $10,000 to $1,000,000.
*ACA plans are brokered through Summerset Marketing Company.
MedMutual Protect is the brand name for insurance products issued by subsidiary insurance companies controlled by Medical Mutual of Ohio. Each subsidiary of Medical Mutual of Ohio is solely responsible for the insurance products it underwrites and issues. Insurance benefits under Medicare Supplement Plans are underwritten by United Insurance Company of America, Reserve National Insurance Company, or MedMutual Life Insurance Company. United Insurance Company of America is not financially affiliated with Medical Mutual of Ohio. Insurance benefits under other available coverages are provided by Reserve National Insurance Company. Form numbers, availability and policy provisions may vary by state. A company agent may contact you with details about benefits, costs, limitations, exclusions, renewability and waiting periods. Each individual's eligibility is subject to underwriting guidelines. This coverage is designed to supplement, and not take the place of, "minimum essential coverage" under the federal Patient Protection and Affordable Care Act. Not affiliated with or endorsed by the U.S. Government or the Federal Medicare Program.