Accident Protector -

Supplemental Excess Accident Insurance

Extra Coverage for Life’s Unpredictable Mishaps

Accident Protector provides extra coverage to help cover out of pocket expenses related to an accident.

Utilize Accident Protector to provide You with a financial advantage:

  • Provides lump sum payouts if Your Injury is due to an accident and results in a loss.

  • Excess Medical Insurance that helps cover the cost of deductibles, co-pays, and other expenses not covered by insurance.

When it Comes to Accidents … You Can’t Be Too Careful.

America’s Choice Accident Protector provides extra coverage to help Fill in the gap between Your Accident Plan’s Calendar Year Deductible, Access Fees, and out-of-pocket Coinsurance expenses!


Accidental Death and Dismemberment1

Unintentional Injuries continue to be the fifth leading cause of death in America. With Accident Protector, if an Insured’s Injury results in a loss, We will pay You up to 100% of the AD&D maximum2 based on this schedule:


Emergency Air Ambulance

Many accidents require emergency transportation to a Hospital or other facility. You can rest easy knowing we’ve got You covered regardless of the Excess Medical Expense Coverage selected.

Up to $4,000 per Accident per Insured
Your coverage includes the amount of Emergency Air Ambulance expense up to the maximum of $4,000 per Accident per Insured for Medically Necessary transportation by air to the nearest Hospital qualified to render treatment in an Emergency within 90 days from the date of Injury sustained in an Accident.


We give You the option to select coverage that fits Your budget and needs. Choose Your coverage amount from the list below:

When it Comes to Accidents … You Can’t Be Too Careful.

*Accident Protector is not available in all states please contact licensed agent for more information. Limitation, Waiting Periods and Exclusions apply.

1Benefits reduce by 50% on the 65th birthday of the Primary Insured and the spouse of the Primary Insured.
2AD&D Maximum equal to Excess Medical Expense Coverage Maximum Benefit selected.

The individual mandate of the Affordable Care Act (“ACA”) generally requires individuals to maintain “minimum essential coverage” in 2014 and beyond, or be subject to the payment of the annual shared responsibility payment, the amount of which is based, in part, upon the individual’s household income each year. The Accident Protector Plan is an excess medical expense coverage insurance plan which provides coverage for the remaining amount of medical expenses incurred per Insured per covered accident, as such it is not “health insurance coverage” under the ACA, Workers Compensation coverage under state law, an “essential health benefits” under the ACA or considered “minimum essential coverage” under the ACA. Therefore, unless an Insured under the Accident Protector Plan has an exemption from the ACA’s individual mandate or maintains “minimum essential coverage” under the ACA, the Insured will be subject to the ACA’s shared responsibility payment.

Why Choose Us

We believe in unparalleled value and care. What do you believe in?

We are flexible, affordable and secure. Our full portfolio of plans lets you tailor coverage to YOUR needs and you can rest easy knowing that, We are an innovator in the industry with over 50 Collective years of health coverage experience.


Welcome To USHEALTH Group!

“We’re proud to have been recognized year after year with some of the most prestigious business awards, the coveted Stevie Awards. Such world-class awards demonstrate an unmistakable truth; that excellence in business doesn’t just happen…it has to be earned.”




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