Breath Easy with Accident Insurance for Whatever Life Throws Your Way
If you suffer from a fracture, dislocation, or another covered accidental injury, accident insurance can help offset unexpected medical expenses that aren’t covered by your medical insurance.
Depending on your policy, Accident Insurance issued by The Prudential Insurance Company of America can help cover expenses resulting from your covered accident like:
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Emergency room visits
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X-rays,
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Diagnostic Exams
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Physical Therapy and Follow-up Treatment
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Ambulance or Air Ambulance to a Hospital
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Hospital Stays, Travel, or Lodging Expenses
related to your Accident
1. United Health Care. "What are my care options and their costs?" , 2021
2. Health System Tracker "How do facility fees contribute to rising emergency department costs?" , 2023
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How Accident Insurance Works
FedAdvantage’s supplemental Accident Insurance provides cash benefits when injuries, medical treatment and/or services occur as a result of a covered accident.
An Accident Happens
Suddenly and without warning you suffer an accidental injury.
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Peace of Mind
Out-of-pocket medical costs can add up quickly. Accident Insurance pays cash directly to you to help ease the financial burden of your accident.
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You're Taken to the ER
You seek medical treatment for your injury to stabilize the injury and manage the pain.
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Get Your Money Fast
You decide how to use the cash, so you can focus on recovery, not your finances.
Accident Insurance Frequently Asked Questions
Below you’ll find answers to the questions we get asked the most when inquiring about Accident Insurance
What is Accident Insurance?
Accident Insurance provides cash benefit(s) for a covered injury, related services and treatments resulting from an accident. Accident Insurance helps to protect you and your family against the sudden and unexpected expense accidents can cause.
This could include:
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Diagnostic exams, x-rays and other emergency services
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Initial and follow-up physician visits
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Ambulance transportation
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Hospital admission and confinement
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Follow-up/recovery services
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Physical therapy and chiropractic care
How does Accident Insurance Work?
Accident Insurance can be an important coverage in addition to medical insurance. Accident insurance can help relieve the financial impact that results from an unexpected, covered accident.
This plan pays IN ADDITION to your medical insurance. So, even though you may have health insurance that provides you insurance protection for accidents – this pays YOU directly and regardless of what the health insurance pays. It is specifically designed to provide you financial means to help you cover costs associated with a medical and non-medical expenses with having an accident.
The plan helps cover costs such as deductibles, emergency room visits, diagnostic tests such as MRI and Cat Scans, X-rays, Crutches and more. These payments can really go a long way towards offsetting your out-of-pocket expenses and can provide you an additional financial safety net when you need it the most.
Is Accident Insurance Available in all States?
Currently Accident Insurance is only available in the following states:
AL, AZ, CA, CO, CT, DE, DC, GA, HI, IN, IA, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NJ, NY, ND, OH, OK, RI, SD, TN, VA, WV, WI, WY.
We are working to make the program available in as many states as possible, so please check back to see if your state has been added.
Do I Have to Take a Physical Exam?
No, you are not required to take a physical exam or provide medical evidence in order to enroll on our Accident Insurance program.
Is there a Pre-existing Condition?
No. This coverage is offered on a guaranteed issue basis. So, when you enroll, you are automatically issued coverage. Any new accident that occurs to a covered member on or after the effective date will be covered.
When does the Coverage Become Effective?
You become eligible for benefits under the plan on the date your first premium has been received.
How do I Enroll?
Enrollment is simple you can enroll online.
How do I Pay for the Plan?
Premiums are current paid through monthly ACH bank withdrawals.
Will my Premiums Increase with Age?
No, the premiums are level for all ages.
When can I Cancel the Plan?
You may cancel the plan at any time. To cancel the plan, please send an email to CustomerService@FedAdvantage.com.
When Does the Coverage Become Effective?
You become eligible for benefits under the plan on the date your first premium has been received.
Didn't Find Your Question?
Related Insurance Insights
Not for residents of New Mexico
Not for use in New Mexico
The products issued by The Prudential Insurance Company of America may not be available in all states.
This material may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.
This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").
This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
Group Accident Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. California COA #1179, NAIC #68241. Contract Series: 83500.
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