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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Accident rider coverage

originally posted: 10/25/2005  revised: 12/12/2010

Q: I am considering one of the short term health insurance plans at . If I do not select the accident supplement rider, are medical expenses related to an accident covered?

A: Yes, these expenses are covered subject to the policy deductible. If the accident supplement rider is selected then these expenses are covered on a “first dollar” basis and you do not have to pay the deductible.

Another option is to add supplemental policy that adds coverage to accidents in addition to whatever benefits are available from other insurance. These polices are an inexpensive way to boost overall coverage, with some premiums as low as $30 per month. Examples are Value 24 Hour Accident Insurance and Smart Accident Insurance.

Although accidents are covered under medical insurance subject to deductibles and co-payments, it may be smart to boost coverage with a rider or separate accident insurance.

More resources:

Value 24 Hour Accident Insurance

Smart Accident Insurance