Arizona Accident Plan  

Fully Insured Accident Insurance Plans

Up to $10,000 in Supplemental Accident Insurance Coverage per Family Member. The perfect complement to a Health Savings Account

The Importance of Timing Joshua Harrison and his $2,500 cast It was just another Sunday, not much to do, just shopping, errands and a birthday party for our 8 year old son Joshua's friend.  Not the kind of day when you would expect anything to happen, but have you ever had a day where you expected something to happen? First up - shopping, we despise doing this, so we get it out of the way.  We then made a quick run to the bank and the post office.  Finally, we drop off Joshua at the birthday party.  The party is just around the corner from our house, so we walk him there.  Day over - all we have left to do is to pick up Joshua in a couple of hours - time to relax, right? Wrong!  Two hours later we are at Urgent Care getting Joshua's wrist and arm x-rayed.  You see while Joshua was at the party running and playing with his friends he decided, like most kids do, that he was unbreakable, like all the super hero's he loves to imitate.  A quick run up a ladder and jump off the platform amounted to two fractures in his left arm.  Don't worry too much - he was fine in 4 - 6 weeks. The reason we tell you this story is not because we don't want you to send your kids to their friend's birthday parties.  We tell you because we found out the hard way, that "time truly is money."  You see we decided on September 5th to purchase an accident plan for our family.  We could have had it start immediately, but we decided to save a little money and have it start on October 1st.  Why was that bad timing?  Because Joshua's accident happened on September 28th, two days before our accident plan was effective. Two days... two days cost us $2,400.  With doctor bills, x-rays, urgent care, rehabilitation and medication our total out of pocket was $2,500.  If Joshua could have just held off for two more days it only would have cost us $100, the accident plan deductible.  Or we could have decided to spend the extra $35 for the month of September and the financial outcome would have been the same. The moral of our story is a simple one - you make decisions every day because you don't think anything is going to happen.  The fact of the matter is it could happen to anyone, any day. Yvonne Harrison Fort Collins, CO

$2,500 Accident Plan

Up to $2,500 in Supplemental Accident Insurance Coverage per Family Member

Coverage Information

Accident Medical Expense Benefit *

Amount: $2,500 - subject to a deductible of $100.

This plan is available through Wholesale Benefit Association.  It covers for 24-hours per day, and offers $2,500 of coverage per family member anytime someone suffers an accidental bodily injury.

* The Accident Medical Expense Benefit Amount is payable on an excess basis.  WBA will determine the Reasonable and Customary charge for the covered Medical Expense.  They will then reduce that amount by amounts already paid or payable by any other plan from which the insured person is entitled to receive benefits.  They will pay the resulting amount, subject to a $100 deductible, plus amounts paid by the insured person to satisfy cash deductibles or coinsurance amounts.  Organized sports for ages 18 and older are excluded.  In no event will they pay more than the $5,000 per accident.  The policies includes limitations and exclusions.  Please refer to the Master Policy for all insurance provisions. 

Rate Information*

Online applications are 100% secure using SSL certified 128-bit encryption.

*1. Rates are illustrative only; 2. Do not send money directly to the issuer of this health benefit plan; 3. A person cannot obtain coverage under this plan until you complete an application for coverage; 4. Benefit exclusions and limitations may apply.

$5,000 Accident Plan

Up to $5,000 in Supplemental Accident Insurance Coverage per Family Member

Coverage Information

Accident Medical Expense Benefit *

Amount: $5,000 - subject to a deductible of $100.

This plan is available through Wholesale Benefit Association.  It covers for 24-hours per day, and offers $5,000 of coverage per family member anytime someone suffers an accidental bodily injury.

* The Accident Medical Expense Benefit Amount is payable on an excess basis.  WBA will determine the Reasonable and Customary charge for the covered Medical Expense.  They will then reduce that amount by amounts already paid or payable by any other plan from which the insured person is entitled to receive benefits.  They will pay the resulting amount, subject to a $100 deductible, plus amounts paid by the insured person to satisfy cash deductibles or coinsurance amounts.  Organized sports for ages 18 and older are excluded.  In no event will they pay more than the $5,000 per accident.  The policies includes limitations and exclusions.  Please refer to the Master Policy for all insurance provisions. 

Rate Information*

Online applications are 100% secure using SSL certified 128-bit encryption.

*1. Rates are illustrative only; 2. Do not send money directly to the issuer of this health benefit plan; 3. A person cannot obtain coverage under this plan until you complete an application for coverage; 4. Benefit exclusions and limitations may apply.

$7,500 Accident Plan

Up to $7,500 in Supplemental Accident Insurance Coverage per Family Member

Coverage Information

Accident Medical Expense Benefit *

Amount: $7,500 - subject to a deductible of $100.

This plan is available through Wholesale Benefit Association.  It covers for 24-hours per day, and offers $7,500 of coverage per family member anytime someone suffers an accidental bodily injury.

* The Accident Medical Expense Benefit Amount is payable on an excess basis.  WBA will determine the Reasonable and Customary charge for the covered Medical Expense.  They will then reduce that amount by amounts already paid or payable by any other plan from which the insured person is entitled to receive benefits.  They will pay the resulting amount, subject to a $100 deductible, plus amounts paid by the insured person to satisfy cash deductibles or coinsurance amounts.  Organized sports for ages 18 and older are excluded.  In no event will they pay more than the $5,000 per accident.  The policies includes limitations and exclusions.  Please refer to the Master Policy for all insurance provisions. 

Rate Information*

Online applications are 100% secure using SSL certified 128-bit encryption.

*1. Rates are illustrative only; 2. Do not send money directly to the issuer of this health benefit plan; 3. A person cannot obtain coverage under this plan until you complete an application for coverage; 4. Benefit exclusions and limitations may apply.

$10,000 Accident Plan

Up to $10,000 in Supplemental Accident Insurance Coverage per Family Member

Coverage Information

Accident Medical Expense Benefit*

Amount: $10,000 per occurrence, subject to a deductible of $100.

Up to $10,000 for Each Family Member, Per Occurrence for Medical Services

• Use Any Doctor, Emergency Room or Hospital
  
• Pays Directly to You Unless You Assign Benefits
  
• $100 Deductible

Accident Plan $10,000 is marketed through Wholesale Benefit Association.  It offers $10,000 of coverage per family member anytime you suffer an accidental bodily injury.

Rate Information*

* All online applications are 100% secure using SSL certified 128-bit encryption.

*1. Rates are illustrative only; 2. Do not send money directly to the issuer of this health benefit plan; 3. A person cannot obtain coverage under this plan until you complete an application for coverage; 4. Benefit exclusions and limitations may apply.

There are several important exclusions you need to be aware of before you join WBA:

1. Injury covered by Worker's Compensation or the Occupational Disease Law or mandatory no-fault automobile insurance.
2. Suicide, attempted suicide or intentionally self-inflicted Injury while sane.
3. Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state in which the Injury occurs.
4. Loss resulting from intoxication; or the use of any drug or agent classified as narcotic, psycholytic, psychedelic, hallucinogenic, or having a similar classification or effect, unless prescribed by a Doctor.
5. Covered Charges incurred outside of the United States or its possessions.

To view the Certificate of Coverage listing any specific exclusions and limitations for coverage in your state of residence, please click here.

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