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For Dentists | Health Insurance24/7 Accident Protection

Enjoy 24/7 accident protection - on or off the job.

Accidents can happen anytime, anywhere. Major medical insurance pays many of the doctor and hospital bills – but there are likely to be many other medical and non-medical expenses that you must pay yourself. Even if you have an emergency cash fund, chances are it may not be enough.

With Accident Insurance from Combined Insurance, you can count on:

  • Cash benefits paid directly to you for payable claims (in addition to all other private insurance)†
  • Immediate coverage – no waiting period
  • 24/7 coverage on or off the job, 365 days a year
  • No reduction in benefits if you file multiple claims
  • Protection that you keep even if you change jobs

Use your cash benefits to help cover all kinds of expenses:

  • Deductibles and copayments on your medical insurance
  • Other out-of-pocket medical costs
  • Monthly expenses such as mortgage or rent, car payments, utility bills and more
  • Everyday needs like childcare, home maintenance, groceries and transportation

Real-Life Facts

  • Over 4 out of 10 people are treated in hospital emergency rooms every year.1
  • The average hospital stay is 6 days.2
  • The average hospital stay is over $10,000.3
  • 43% of Americans report having a difficult time covering medical expenses – even with medical insurance.4

† Unless you assign payable claims to a third party


Exclusions and Limitations
This is an Accident Only policy. Benefits will not be payable if an injury is directly caused by, or results from, any sickness or infection* not as a result of the covered accident, or occurs as a result of a covered person’s:

    • Being intoxicated or under the influence of alcohol, an illegal substance or other prescription drug (unless taken as prescribed);**
    • Participating in illegal activity or a felony;***
    • Committing or attempting to commit suicide†, or self-inflicted intentional injuries;
    • Having dental treatment, except for treatment due to injury of sound natural teeth;††
    • War or any act of war, declared or undeclared, or serving in the armed forces or units auxiliary thereto.

* “Infection” is not applicable in IL
** Not applicable in OR, NV, VT, MI, SD; “Alcoholism or drug addiction” in ID, OK, and WA
*** Not applicable in NJ; In ID, participating in a felony, riot, or insurrection
† In MO, while sane
1 National Safety Council, Injury Facts, 2016 edition.
2 National Center for Health Statistics. Health, United States, 2015.
3 Agency for Healthcare Research and Quality, Healthcare Cost and Utilization Project, 2012.
4 The Commonwealth Fund, Tracking Trends in Health Performance, 2014.

The policy is guaranteed renewable for life, but the company reserves the right to increase premium rates on a class basis.

†† In TN, “except for Emergency Dental, as defined in this policy, within 60 days of the Covered Accident”

Note: Hospital is an institution in the U.S. or Canada and does not include a nursing home or convalescent facility.


All benefits are payable once per a covered person, per a covered accident, unless otherwise indicated.

Benefits

Standard

Choice

Preferred

Benefits Limits

Hospital Admission

$1,000

$1,000

$1,250

 

Hospital Confinement

$200

$275

$375

Per day/Maximum 365 days

ICU Admission

$2,000

$2,000

$2,500

 

ICU Confinement

$400

$550

$750

Per day/Maximum 30 days*

Rehabilitation Admission

$1,000

$1,000

$1,250

 

Rehabilitation Confinement

$120

$165

$225

Per day/Maximum 30 days

Outpatient Surgical Facility

$200

$200

$300

 

Recovery Benefit

$35

$50

$100

Per day/Maximum 7 days

Emergency Room

$75

$100

$150

 

Initial Doctor’s Office Visit

$50

$75

$125

 

Follow-up, Physical & Occupational Therapy

$20

$25

$50

Per day/Maximum 3 days

Urgent Care

$50

$75

$125

 

X-Ray

$15

$20

$40

 

Diagnostic exams (CT, MRI, etc.)

$75

$100

$200

 

Air Ambulance

$750

$1,000

$2,000

 

Ground Ambulance

$100

$120

$200

 

Appliances

$50

$75

$100

 

Blood, Plasma, Platelets

$150

$200

$300

 

Burns***

$600–$6,000

$750–$7,500

$1,000–$10,000

 

Coma Injury

$6,000

$7,500

$12,500

 

Concussion

$50

$60

$100

 

Emergency Dental Work***

$40–$160

$50–$200

$100–$400

 

Eye Injury

$150

$200

$300

 

Herniated Disc

$300

$400

$750

 

Internal Organ Loss

$2,000

$2,500

$2,500

 

Knee Cartilage Torn (repair)

$300

$400

$750

 

Lacerations***

$15–$250

$20–$300

$30–$500

 

Lodging (per night)

$75

$100

$150

Maximum 30 nights

Loss of Finger, Toe, Hand, Foot or Sight***

$450–$7,500

$600–$10,000

$1,000–$20,000

 

Prosthetic Device or Artificial Limb

$250

$500

$1,500

One prosthetic device or artificial limb

Prosthetic Device or Artificial Limb

$500

$1,000

$3,000

More than one prosthetic device or artificial limb

Skin Graft

25%†

25%†

25%†

 

Surgery (abdomen/thoracic only)

$550

$750

$1,500

 

Tendon, Ligament, Rotator Cuff

$250

$400

$750

One repair

Tendon, Ligament, Rotator Cuff

$450

$600

$1,125

Multiple repairs

Transportation

$200

$300

$600

 

Fractures & Dislocations***

$30–$750

$50–$1,000

$200–$2,000

 

Sports Package

25%**

25%**

25%**

Up to $1,000 per year

AD&D (primary, spouse, child)

$20,000

$30,000

$50,000

Per person

*Maximum 31 days in UT
**Additional benefit of 25% of benefit amount paid for the Covered Accident if injury is sustained while participating in Organized Sports Activity.
***Benefit payable varies depending on the nature and severity of injury and/or treatment received.
† 25% of applicable Burn Benefit Amount
PLEASE CONTACT YOUR AGENT
IMPORTANT NOTICE This is a supplement to health insurance and is not a substitute for Major Medical Coverage. Lack of Major Medical Coverage (or other minimum essential coverage) may result in an additional payment with your taxes.

THIS IS VERY IMPORTANT: If a covered individual is a Medicaid recipient, policy benefits may be assigned and payable to your state Medicaid agency. Also, benefit payments you receive may count as income for Medicaid eligibility purposes.
This is a brief description of policy benefits for accident ONLY policy Form No. series 14150R. See the actual policy for complete details of the policy plans, features, benefits, options, rates, definitions, limitations, and exclusions. Products vary by state and are subject to availability and qualifications. The amount of benefits provided depend on the plan selected and the premium will vary with the benefit amount selected.


Combined Insurance Company of America, Chicago, IL
Policyholder Services Address: P. O. Box 96 Minneapolis, MN 55440-0096 | Toll-free: 855-656-6595