{"id":1123,"date":"2023-03-14T17:13:09","date_gmt":"2023-03-14T21:13:09","guid":{"rendered":"https:\/\/lioinsurance.com\/?p=1123"},"modified":"2023-03-27T12:38:55","modified_gmt":"2023-03-27T16:38:55","slug":"injury-medical-insurance","status":"publish","type":"post","link":"https:\/\/lioinsurance.com\/blog\/injury-medical-insurance\/","title":{"rendered":"Accident Medical Insurance: Everything You Need to Know"},"content":{"rendered":"<p><iframe style=\"aspect-ratio: 16 \/ 9; width: 100%;\" title=\"Accident Medical Insurance: Everything You Need to Know\" src=\"https:\/\/www.youtube.com\/embed\/BXsO2RmcJBE\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/p>\n<p><span style=\"font-weight: 400;\">According to the <\/span><a href=\"https:\/\/www.dictionary.com\/browse\/accident\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">dictionary<\/span><\/a><span style=\"font-weight: 400;\">, an accident is \u201can undesirable or unfortunate happening that occurs unintentionally and usually results in harm, injury, damage, or loss.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Simply put, accidents are unexpected\u2014and, despite the best planning and precautions, they happen more often than you think. Someone is <\/span><a href=\"https:\/\/www.nsc.org\/membership\/member-resources\/injury-facts\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">injured<\/span><\/a><span style=\"font-weight: 400;\">\u00a0in the United States every second.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And unfortunately, if injuries need medical care, they can cost thousands of dollars in out-of-pocket expenses. In<\/span> <a href=\"https:\/\/www.healthcare.gov\/glossary\/out-of-pocket-maximum-limit\/#:~:text=For%20the%202023%20plan%20year,and%20%2417%2C400%20for%20a%20family.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">2023<\/span><\/a><span style=\"font-weight: 400;\">, that could be $9,100 for an individual and $18,200 for a family, depending on the injured\u2019s health insurance plan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fortunately, <\/span><a href=\"https:\/\/lioinsurance.com\/products\/accident-medical-insurance\/\"><span style=\"font-weight: 400;\">Accident Medical Insurance<\/span><\/a><span style=\"font-weight: 400;\"> is available to help protect your clients from financial worry, as LIO Insurance\u2019s President and Chief Operating Officer Seth Hall and SVP of Products and Amateur Sports Product Lead AJ Morgan explain.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">4 Ways Accident Medical Insurance Protects Clients &amp; Their Members<\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1156\" src=\"https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_226617262.jpg\" alt=\"A close-up of a medical bill, stethoscope, and calculator. \" width=\"425\" height=\"283\" srcset=\"https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_226617262.jpg 950w, https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_226617262-300x200.jpg 300w, https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_226617262-768x512.jpg 768w\" sizes=\"auto, (max-width: 425px) 100vw, 425px\" \/>\u201cAccident Medical Insurance goes by many names, such as Participant Accident Insurance, Group Accident Insurance, Accidental Injury Insurance, and Sports Accident Insurance,\u201d says Morgan. But although it may go by different names, this coverage is bought by an organization on behalf of its members to help them with excess medical expenses if they are accidentally injured when they participate in the organization.\u00a0\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How Does Accident Medical Insurance Protect Organizations and Their Members?\u00a0<\/span><b><\/b><\/h3>\n<h5><strong>1. Accident Medical Insurance provides protection from the financial burdens of medical treatment costs.\u00a0<\/strong><\/h5>\n<p><span style=\"font-weight: 400;\">Suppose a member of an organization is hurt in an accident and needs medical care. They\u2019ll face out-of-pocket medical costs such as deductibles and copayments they\u2019ll need to cover before their primary medical insurance kicks in. Accident Medical Insurance handles those out-of-pocket expenses so that the only thing about which the injured persons, their families, and the organizations need to worry is getting better.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Or, in cases where the injured person doesn\u2019t have primary health insurance and faces the full brunt of the medical bills, Accident Medical Insurance offers financial relief.\u00a0\u00a0<\/span><b><\/b><\/p>\n<h5><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1157\" src=\"https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_104775533.jpg\" alt=\"Boys and coaches enjoy football camp knowing they\u2019re protected by Accident Medical protection. \" width=\"425\" height=\"282\" srcset=\"https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_104775533.jpg 950w, https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_104775533-300x199.jpg 300w, https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_104775533-768x510.jpg 768w\" sizes=\"auto, (max-width: 425px) 100vw, 425px\" \/><b>2. Accident Medical Insurance offers comprehensive benefits.\u00a0<\/b><\/h5>\n<p><span style=\"font-weight: 400;\">Expense benefits include:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital room &amp; board<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency room benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Intensive care room &amp; board<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient surgical benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Outpatient surgical benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rehabilitation expense benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Outpatient mental health benefits<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u201cAccident Medical Insurance also includes Accidental Death, Dismemberment &amp; Paralysis (AD&amp;D) benefits,\u201d Morgan explains, along with coverage for full excess medical expenses. But these benefits aren\u2019t one-size-fits-all. At LIO, Morgan adds, \u201cAll plans can be tailored to fit the organization\u2019s specific needs and budget.\u201d<\/span><b><\/b><\/p>\n<h5><b>3. Accident Medical Insurance is essential for any organization with volunteers, members, or participants. <\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h5>\n<p><span style=\"font-weight: 400;\">\u201cWhether it\u2019s volunteers or staff at an event, or students at school, or players at sports camp\u2014if there\u2019s an opportunity for a person to be injured, there\u2019s also a chance of big medical bills to follow,\u201d Hall says.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">LIO counts among its policyowner clients:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Amateur sports camps, leagues, and clinics<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Volunteer groups<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Private and public schools<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Colleges and universities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">K-12 and intercollegiate sports programs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Child care centers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Special events<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A less tangible but just as real benefit this type of coverage also provides is to help reduce the chance an organization could face liability for the accident because financial concerns can be alleviated.\u00a0<\/span><b><\/b><\/p>\n<h5><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1158\" src=\"https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_286051013.jpg\" alt=\"A young girl helps older volunteers collect clothing donations at an event covered by Accident Medical protection. \" width=\"425\" height=\"283\" srcset=\"https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_286051013.jpg 950w, https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_286051013-300x200.jpg 300w, https:\/\/lioinsurance.com\/wp-content\/uploads\/2023\/03\/black-n-white-shutterstock_286051013-768x512.jpg 768w\" sizes=\"auto, (max-width: 425px) 100vw, 425px\" \/><b>4. Accident Medical Insurance is an affordable way for organizations to protect members and themselves<\/b>.<\/h5>\n<p><span style=\"font-weight: 400;\">\u201cIt provides added value and peace of mind for much less than organizations may think,\u201d Morgan shares. \u201cWe work with clients to find the best combination of benefits for their situation.\u201d LIO also looks for cost solutions through its TPA partnerships and nationwide provider networks to help stabilize or reduce premiums.\u00a0\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">LIO Doesn\u2019t Stop With Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">At LIO, the service you receive throughout our entire relationship is just as important as the coverage we provide. So, if you have clients who should consider Accident Medical Coverage, it\u2019s no accident you can <\/span><a href=\"https:\/\/lioinsurance.com\/about\/\"><span style=\"font-weight: 400;\">expect<\/span><\/a><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bindable quotes in minutes and immediate policy issuance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easy and simple online claims submissions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible ePayments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customer service with a satisfaction rating of 91 (industry standard is 37)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easy claims handling<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you have clients with members to protect, talk to<\/span> <a href=\"https:\/\/lioinsurance.com\/get-appointed\/\"><span style=\"font-weight: 400;\">LIO<\/span><\/a> <span style=\"font-weight: 400;\">today about getting appointed for our Accident Medical Insurance plans for organizations, sports clubs, schools, and more. And watch the video above for Hall and Morgan\u2019s complete discussion.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ufeff According to the dictionary, an accident is \u201can undesirable or unfortunate happening that occurs unintentionally and usually results in harm, injury, damage, or loss.\u201d Simply put, accidents are unexpected\u2014and, despite the best planning and precautions, they happen more often than you think. Someone is injured\u00a0in the United States every second. And unfortunately, if injuries need medical care, they can cost thousands of dollars in out-of-pocket expenses. In 2023, that could be $9,100 for an individual and $18,200 for a <a href=\"https:\/\/lioinsurance.com\/blog\/injury-medical-insurance\/\"><\/a><\/p>\n","protected":false},"author":23,"featured_media":1148,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-1123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accident"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Accident Medical Protection | LIO Insurance<\/title>\n<meta name=\"description\" content=\"LIO\u2019s Seth Hall &amp; AJ Morgan explain what Accident Insurance covers and why groups and organizations should look into it.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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