Accidents happen when you least expect them, and emergency medical care can be expensive. Whether it's a child breaking a bone on the playground or a more serious accident like a four-wheeler crash requiring surgery, the costs can add up fast. That’s where supplemental accident insurance, like Plan 10000 from AccidentWise, comes in—helping families manage unexpected expenses with lump-sum cash benefits.
Not only are these benefits paid directly to you, but they can also be used to help replace lost income while you recover. Whether you need extra cash for medical bills, groceries, rent, or simply covering time off work, the flexibility of these lump-sum payments allows you to use the funds in the way that best supports your family's needs.
How Common Are ER Visits for Accidental Injuries?
Statistics show that accidental injuries are a major reason families end up in the emergency room:
Every 3 seconds, someone in the U.S. visits the ER for an accidental injury.
The average ER visit costs $2,600, and for severe injuries requiring surgery, costs can exceed $20,000.
1 in 4 Americans seeks emergency treatment for an injury each year.
These numbers highlight why having an accident plan like Plan 10000 is a smart way to protect your family’s finances.
Real-Life Scenarios: How Plan 10000 Helps Families Cover Costs
Scenario 1: A Child Breaks a Bone and Goes to the ER
Imagine your 10-year-old son is playing basketball at school when he lands awkwardly and fractures his arm. You rush him to the ER, where the hospital performs X-rays, applies a cast, and sends him home with a follow-up appointment.
💰 Plan 10000 Pays:
$1,000Â for the Emergency Room visit
$100 per visit for up to 5 follow-up treatments ($500 max)
Total Benefit Paid: Up to $1,100
Even with a high-deductible health plan, these cash benefits help cover out-of-pocket costs, like the ER visit fee or even everyday expenses while you take time off work. The best part? The benefit amounts are paid directly to you, allowing you to use the money however you see fit—whether it’s for medical bills, groceries, or other household expenses.
Scenario 2: Four-Wheeler Accident Leads to Surgery & Hospital Stay
Now imagine a more severe situation: A father in Utah is out riding a four-wheeler when he crashes, breaking his leg. He is rushed to the ER, where doctors determine he needs emergency surgery and a one-night hospital stay. After being discharged, he requires physical therapy for recovery.
💰 Plan 10000 Pays:
$1,000Â for the Emergency Room visit
$1,000Â for a Major Diagnostic Exam (MRI)
$1,000Â for Outpatient Surgery
$10,000Â for a Hospital Admission (one-night stay)
$100 per visit for 5 follow-up physical therapy treatments ($500 max)
Total Benefit Paid: Up to $13,500
Not only are these benefits paid directly to you, but they can also be used to help replace lost income while you recover. Whether you need extra cash for medical bills, groceries, rent, or simply covering time off work, the flexibility of these lump-sum payments allows you to use the funds in the way that best supports your family's needs. Without this supplemental plan, the family could be looking at thousands of dollars in out-of-pocket expenses. Since most Bronze health insurance plans on the Marketplace have a maximum out-of-pocket cost of $9,200, having AccidentWise can make a significant financial difference.
Get a quote on this plan for your family
Request a quote for this accident plan. It can be included with any health insurance plan, regardless of whether your insurance is through your employer or the Marketplace. Learn more about this plan or request a quote here.
Why Choose Utah Avenue Insurance?
At Utah Avenue Insurance, we help families find the right health insurance coverage, including affordable accident insurance options like AccidentWise. As a local health insurance agent, we can guide you through your options and ensure you’re prepared for life’s unexpected moments.
🔹 Better coverage starts here. Let us help you protect your family from the financial burden of medical emergencies.
📞 Call us today to learn how AccidentWise Plan 10000 can give you peace of mind.
