Student Accident Insurance
Student Accident Insurance is Now More Important Than Ever!
Despite your best efforts to protect them, children get hurt and out-of-pocket expenses for medical care can be significant.
Is your child already covered?
Does your plan have large deductibles and co-insurance?
Do you want to be able to see the doctor that YOU choose?
Here are some of the highlights:
1) While parents are completely free to seek care from any licensed provider, they also have access to an extensive contracted provider network to potentially further reduce out-of-pocket costs. See details at www.firsthealth.com.
2) Our benefits based on “Usual, Customary and Reasonable” (UCR) charges are derived from prevailing charge data valued at the 90th percentile. We don’t base our allowables on “average” charges. Rather, our allowables are meant to equal or exceed what the great majority of providers charge for a given service in a given area. Again, we do this to minimize out-of-pocket costs to parents. More details at www.fairhealth.org.
3) Regardless of the benefit level selected, ALL accident plans, and the Student Accident & Sickness Plan cover eligible charges for Ambulance, Emergency Room and Emergency Physician at 100% of UCR up to policy limits
4) Regardless of the plan selected, all cover eligible expenses for the evaluation and treatment of qualified, interscholastic sports-related concussions at 100% of UCR up to policy limits.