Accidents can happen when you least expect them, and the medical bills that follow can be overwhelming. Whether you have a Marketplace plan, a group health plan, or private health insurance, out-of-pocket costs like high deductibles and copays can still leave you financially strained. That’s where Accident ExpenseGuard 10,000 comes in—it helps pay for unexpected medical expenses due to accidental injuries, with payments made directly to you after submitting your invoices for reimbursement.
How Does Accident ExpenseGuard 10,000 Work?
This plan is not major medical insurance but rather a supplemental accident policy designed to provide reimbursement for medical costs related to accidental injuries. You simply submit invoices and proof of payment for medical services received, and the plan will reimburse you up to the benefit limit. Best part of having Utah Avenue on your side is that we can submit all your invoices for you and ensure that the claims process is smooth and quick.
Choose the Right Benefit Level for Your Needs
Accident ExpenseGuard offers multiple benefit levels—$5,000, $7,500, $10,000, $15,000, and $20,000—so you can match your coverage to your health plan and financial situation. The $10,000 benefit level is the most popular choice because most people with Bronze Marketplace plans or high deductible health plans at work have a maximum out-of-pocket cost over $9,000. This plan helps bridge the gap and prevents large, unexpected medical bills from turning into financial stress.
Key Benefits of Accident ExpenseGuard 10,000:
✔ Reimburses up to $10,000 per accident for covered medical expenses
✔ Includes Accidental Death & Dismemberment (AD&D) benefits
✔ Works with any health insurance plan to help cover deductibles, copays, and other costs
✔ Cash benefits are paid directly to you, not the hospital, after claim approval
Real-Life Scenarios: How This Plan Helps Families
Scenario 1: A Child Falls from a Treehouse
Emily and her family love spending time outdoors. One afternoon, her 8-year-old son, Lucas, was climbing the treehouse when he lost his footing and fell. He hit his head and fractured his wrist, requiring an ER visit, an MRI, observation at the hospital for minor concussion, and follow-up doctor appointments.
💰 Accident ExpenseGuard 10,000 Pays (After Submitting Invoices):
Emergency Room Visit: Billed at $2,500 → Reimbursed: $2,250 - $250 deductible that Emily pays first
MRI Scan: Billed at $2,500 → Reimbursed: $2,500
Hospital Stay & Doctor Visits: Total Billed $5,000 → Reimbursed: $5,000
Follow-up visits & prescriptions: Billed at $1,000 → Reimbursed: $250
Total Max Benefit Paid: $10,000
Even though Emily had a Marketplace health plan, her deductible was $8,500, and the copays for the ER visit and imaging were adding up. Thanks to Accident ExpenseGuard 10,000, she was reimbursed $10,000 after submitting her medical invoices, helping her cover these costs. Plus there was over $1000 extra she received to help cover lost income to take her son to doctor visits.
Scenario 2: Construction Worker Suffers a Job-Site Injury
Carlos, a self-employed contractor, was on a job site when he slipped and fractured his leg. He required emergency surgery and a short hospital stay. Since he didn’t qualify for workers' comp, he was worried about lost wages.
💰 Accident ExpenseGuard 10,000 Pays (After Submitting Invoices):
$250 deductible (Carlos pays this first out of the surgery costs)
Surgery Cost: Billed at $6,500 → Reimbursed: $6,250
Hospital Stay (2 Days): Billed at $7,000 → Reimbursed: $3,750
Post-op visits & Physical Therapy: Billed at $1,500 → Reimbursed: $0 since he already reached the max benefit of $10,000
Total Benefit Paid: $10,000
With a high-deductible private health plan, Carlos would have had to pay most of these costs out of pocket. But because Accident ExpenseGuard 10,000 reimbursed him directly, he could use the funds for medical bills and to help replace lost income while recovering.
Why Add This Plan to Your Health Insurance?
🔹 Works with ANY health plan (Marketplace, employer, private)🔹 Helps cover high deductibles & copays🔹 Gives you cash reimbursements after submitting invoices🔹 $10,000 benefit level is the most popular choice for those with high out-of-pocket costs🔹 Provides peace of mind so you’re not stuck with massive out-of-pocket costs
👉 Learn more or request a quote here: Utah Avenue Insurance - Accident ExpenseGuard 10,000
Why Choose Utah Avenue Insurance?
At Utah Avenue Insurance, we specialize in finding the best Utah health insurance options, including supplemental accident plans that work with your current coverage. Whether you need help lowering out-of-pocket costs or finding the right protection for your family, we’ve got you covered.
🔹 Better coverage starts here. Let us help you stay financially protected from the unexpected.
📞 Call us today to get started!
