It’s no secret that healthcare costs in the U.S. can be overwhelming—especially when an emergency strikes. Whether it’s a sudden injury or an unexpected hospital stay, medical bills can pile up quickly, even for those with insurance.
But you’re not alone—and there’s a smarter way to protect your financial well-being.
The Reality of Medical Costs in America
Let’s start with a few eye-opening stats:
1 in 5 emergency room visits results in hospitalization.
Nearly 40% of Americans will experience a major accidental injury requiring medical attention each year.
Over 60% of personal bankruptcies are due to medical expenses—even among insured individuals.
These numbers highlight a growing problem: traditional health insurance isn’t always enough. High deductibles and rising out-of-pocket expenses can leave families financially vulnerable at the worst possible time.
A Smarter Solution: Supplemental Insurance Plans
What if you could receive direct financial compensation to help cover those high-deductible costs? That’s exactly what ancillary (or supplemental) insurance is designed to do.
These affordable plans can reimburse your out-of-pocket medical expenses, offering a financial safety net when you need it most.
Real-Life Examples: How These Plans Can Help
Case 1: Jamie, a self-employed contractor, fell off a ladder and was hospitalized for two nights. Because he had an Accident Insurance Plan, he received a $15,000 cash benefit, which helped cover his hospital bills, lost income, and recovery expenses.
Case 2: Maria, a mom of two, rushed to the ER after a car accident. She needed X-rays, a CT scan, and a follow-up physical therapy session. Her plan covered $2,000 for ER care, plus additional reimbursement for urgent care visits and therapy—money she used for childcare and gas while recovering.
Case 3: Ben, a 27-year-old cyclist, suffered a broken collarbone during a group ride. His high-deductible health plan didn’t kick in until he spent thousands. Thankfully, his Critical Illness Insurance paid out $10,000, which covered his deductible and allowed him to focus on healing, not hospital bills.
What’s Covered?
Here’s a snapshot of how our Accident & Critical Illness Plans are structured:
🔹 Hospital Admission: Get $10,000, $15,000, or $20,000 per year if you’re admitted to the hospital for 24+ hours due to an accident.
🔹 Emergency Treatment: Receive $1,000, $1,500, or $2,000 per day (up to 4 days annually) for emergency care within 72 hours of an accident.
🔹 Urgent Care & Diagnostics: Covers urgent care visits and diagnostic exams (like MRIs and CT scans) within 30 days of the incident.
🔹 Follow-Up Treatment: Includes physical therapy and additional care within 30 days after the injury.
Why These Plans Matter
✅ Financial Protection – Helps cover hospital stays, ER visits, diagnostic testing, and therapy sessions.
✅ Peace of Mind – Reduces surprise out-of-pocket costs that can disrupt your financial plans.
✅ Flexibility – Choose from three customizable plans that suit your family’s needs and budget.Take Control Before an Accident Happens
Medical surprises don’t wait—so don’t wait to protect yourself. By adding a supplemental insurance plan, you’re not just reacting to medical costs—you’re preparing for them proactively.
📞 Call Nevada Benefits at 702-258-1995 to get your free quote today.
Stay prepared. Stay protected. Because your health—and your finances—deserve a safety net.
