ServicesAccident Insurance
Accident Insurance in Temple Terrace
Accident insurance pays you a set cash amount after a covered injury, from a broken wrist to a hospital stay. We compare plans from several carriers, explain what each benefit is made of and help you choose the one that fits the gaps in your current coverage.
What accident coverage does, and what it doesn't
An accident plan pays a fixed amount when a covered injury happens: a fracture, a dislocated shoulder, a ride in an ambulance, an admission to the hospital. The money is paid to you, not to the hospital or the doctor. You decide whether it goes toward a deductible, a copay, a week of missed work or the drive to follow-up visits.
It is not health insurance and does not replace it. It sits beside a major medical plan, usually one with a higher deductible, and covers part of the distance between what that plan pays and what an injury actually costs you. We look at each policy the way you would look at how something is built. Every benefit is a component, each has a trade-off, and the useful question is which components suit how you and your family actually live.
When you reach us, we gather accident plans from several carriers and set them next to each other. You see the benefit schedule, the exclusions and the premium on one page before you commit to anything.
What we go through with you
The benefit schedule, line by line
Every carrier publishes a schedule that lists what each injury pays. We read it with you: how a fracture compares to a dislocation, whether follow-up visits pay per visit or once, and where the caps sit.
On-the-job or off-the-job
Some plans cover only injuries that happen away from work, on the assumption that workers' compensation handles the rest. If you are self-employed or your work is physical, we look for plans that cover injuries both on and off the job.
Who is on the plan
You can cover yourself, add a spouse, or add children. We show how the premium changes with each option so you can decide who really needs it.
How it fits your health plan
We look at your current deductible and out-of-pocket maximum first. That way the accident benefits are sized to the real gap, not to a number that sounds good. If your main coverage needs a second look, our Individual Health Insurance and ACA Marketplace Plans pages explain how we review those.
Exclusions in plain English
Most plans exclude certain activities and circumstances. We point them out before you enroll, not after a claim.
Signs an accident plan is worth a look
Your deductible runs into the thousands
A high-deductible plan keeps your premium down, but one bad fall can mean paying that full amount before your coverage starts helping. A cash benefit can absorb much of it.
Your kids play sports
Florida's long outdoor season means more practices, more games and more sprained ankles. Active children are one of the most common reasons families add accident coverage.
You work for yourself
Without workers' compensation, an injury on the job can stop your income and add bills at the same time. A plan that pays you directly helps on both fronts.
Your savings cushion is thin
If a surprise bill would go straight onto a credit card, a modest accident plan gives you cash to work with.
You already have a policy you don't understand
Many people carry accident coverage through a past employer or an old enrollment and have never read the schedule. We can review what you have and compare it with current options.
How it works from the first call
- 1
A short conversation
We talk by phone or video, or at our office. We ask about your current health plan, who you want covered, your work and the activities that fill your weeks.
- 2
We shop the carriers
We gather accident plans from multiple carriers that match what you told us. We set aside the ones with exclusions or limits that clash with how you live.
- 3
A side-by-side review
You see the options together: premium, benefit amounts for common injuries, on-the-job coverage and exclusions. We explain the trade-offs and give you a straight answer if a plan is not worth adding.
- 4
Enrollment and after
If you choose a plan, we help you complete the enrollment and confirm the effective date. Later, if you have a claim, you can call us to talk through what the carrier will ask for.
What shapes the premium
Accident plans are usually less expensive than major medical coverage, but premiums still vary a good deal from one carrier to the next. The price follows the choices built into the plan. We show you how each choice moves the number so you can decide where the money is best spent.
- Benefit levels
- Higher payouts for fractures, hospital admissions and follow-up care raise the premium. A lower schedule costs less but leaves more of an injury on you.
- Who is covered
- Covering yourself alone costs less than adding a spouse or children. Some carriers price all children at one rate, which helps larger families.
- Work injuries included or not
- Plans that also cover injuries at work generally cost more. If you already have workers' compensation, off-the-job coverage may be enough.
- Optional add-ons
- Extra benefits for hospital confinement or certain injury types can be added to many plans. Each one adds to the premium, so we only suggest the ones that match a real need.
Common questions about accident coverage
Something not covered here? (813) 212-7908
If I have health insurance, do I still need an accident plan?
Not in every case. With a low deductible and enough savings for an unexpected bill, an accident plan may do little for you. With a high deductible or an active family, it can earn its premium. We will tell you plainly where you stand.
Who gets the money, me or the hospital?
You do. The benefit goes to you, and you can spend it on medical bills, rent, food or income you missed. Your health plan, by contrast, pays the providers.
Will an accident plan pay if I get sick?
No. It covers only injuries from covered accidents. Your major medical plan handles illness, and our Family Health Insurance page explains how we compare those plans.
Is open enrollment the only time I can buy?
Most individual accident plans can begin at any point in the year. A few carriers make you wait a short time before some benefits kick in. For each plan we show you, we list the start date and any waiting periods.
Is there a cost to speak with you?
The consultation is free. Our pay comes from the company you pick, not from you, so having us look costs you nothing. The only thing you pay is the premium on a plan you choose, if you choose one.
See what each accident plan actually pays
Tell us who you want covered and what your current health plan leaves open. We will lay out accident plans from several carriers next to each other, with the benefits and exclusions explained.