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PLAN: Equitable Accident Insurance Plan
UID: Equitable Accident Plan
Category: Accident
Type: None
Marketing Name: Equitable Accedent lan
Average Price: $43.02
Short Description: This accident plan provides cash benefits for a wide range of injuries — from fractures and dislocations to hospital stays and emergency care — helping cover out-of-pocket costs for both minor and major accidents.
Long Description: The Equitable Accident Insurance Plan offers financial protection for unexpected injuries by paying cash benefits directly to you. Coverage includes a broad range of injuries such as fractures, dislocations, burns, lacerations, and even paralysis. Benefits also cover medical treatments like X-rays, physical therapy, and hospital stays. The money can be used however you need — whether for medical bills, daily expenses, or lost income — giving you peace of mind after an accident.
PRICING:
Coverage 4: $63.74
Coverage 3: $46.37
Coverage 2: $39.69
Coverage 1: $22.28
DETAILS:
BURNS:
Skin graft - Child: Pays 50% of the full burn benefit.
Skin graft - Spouse: Pays 50% of the full burn benefit.
Skin graft - Employee: Pays 50% of the full burn benefit.
21–40 sq. cm third degree - Child: 1000
41–65 sq. cm third degree - Child: 2000
21–40 sq. cm second degree - Child: 400
21–40 sq. cm third degree - Spouse: 1000
41–65 sq. cm second degree - Child: 800
41–65 sq. cm third degree - Spouse: 2000
66–160 sq. cm third degree - Child: 6000
161–225 sq. cm third degree - Child: 14000
21–40 sq. cm second degree - Spouse: 400
41–65 sq. cm second degree - Spouse: 800
66–160 sq. cm second degree - Child: 1200
66–160 sq. cm third degree - Spouse: 6000
161–225 sq. cm second degree - Child: 1600
161–225 sq. cm third degree - Spouse: 14000
21–40 sq. cm third degree - Employee: 1000
41–65 sq. cm third degree - Employee: 2000
66–160 sq. cm second degree - Spouse: 1200
161–225 sq. cm second degree - Spouse: 1600
21–40 sq. cm second degree - Employee: 400
41–65 sq. cm second degree - Employee: 800
66–160 sq. cm third degree - Employee: 6000
161–225 sq. cm third degree - Employee: 14000
66–160 sq. cm second degree - Employee: 1200
161–225 sq. cm second degree - Employee: 1600
More than 225 sq. cm third degree - Child: 20000
More than 225 sq. cm second degree - Child: 2000
More than 225 sq. cm third degree - Spouse: 20000
More than 225 sq. cm second degree - Spouse: 2000
More than 225 sq. cm third degree - Employee: 20000
More than 225 sq. cm second degree - Employee: 2000
SURGERY:
Open surgery - Child: 3000
Open surgery - Spouse: 3000
Open surgery - Employee: 3000
Torn knee cartilage - Child: 1500
Torn knee cartilage - Spouse: 1500
Torn knee cartilage - Employee: 1500
Ruptured/herniated disc - Child: 1500
Ruptured/herniated disc - Spouse: 1500
Ruptured/herniated disc - Employee: 1500
Tendon/Ligament/Rotator cuff tear - Child: 1500
Exploratory surgery or debridement - Child: 800
Tendon/Ligament/Rotator cuff tear - Spouse: 1500
Exploratory surgery or debridement - Spouse: 800
Tendon/Ligament/Rotator cuff tear - Employee: 1500
Exploratory surgery or debridement - Employee: 800
Laparoscopic surgery or hernia repair - Child: 1000
Laparoscopic surgery or hernia repair - Spouse: 1000
Laparoscopic surgery or hernia repair - Employee: 1000
Miscellaneous surgery requiring general anesthesia not otherwise listed (once per 24-hour period, even though multiple surgical procedures may be performed) - Child: 1000
Miscellaneous surgery requiring general anesthesia not otherwise listed (once per 24-hour period, even though multiple surgical procedures may be performed) - Spouse: 1000
Miscellaneous surgery requiring general anesthesia not otherwise listed (once per 24-hour period, even though multiple surgical procedures may be performed) - Employee: 1000
HOSPITAL:
Ambulance (Air) - Child: 2000
Ambulance (Air) - Spouse: 2000
Ambulance (Air) - Employee: 2000
Ambulance (Ground) - Child: 400
Ambulance (Ground) - Spouse: 400
Ambulance (Ground) - Employee: 400
ER admission or urgent care facility - Child: 200
ER admission or urgent care facility - Spouse: 200
ER admission or urgent care facility - Employee: 200
Hospital admission (once per benefit year) - Child: 2000
Hospital admission (once per benefit year) - Spouse: 2000
Hospital admission (once per benefit year) - Employee: 2000
Rehabilitation unit (per day, up to 30 days per covered accident) - Child: 100
Hospital confinement (per day up to 365 days per covered accident) - Child: 400
Rehabilitation unit (per day, up to 30 days per covered accident) - Spouse: 100
Hospital confinement (per day up to 365 days per covered accident) - Spouse: 400
Rehabilitation unit (per day, up to 30 days per covered accident) - Employee: 100
Hospital confinement (per day up to 365 days per covered accident) - Employee: 400
Transportation (100 or more miles up to three times per covered accident) - Child: 500
Transportation (100 or more miles up to three times per covered accident) - Spouse: 500
Transportation (100 or more miles up to three times per covered accident) - Employee: 500
Family Lodging Maximum Lodging night stays: one benefit per day, 30 days per benefit year - Child: 100
Family Lodging Maximum Lodging night stays: one benefit per day, 30 days per benefit year - Spouse: 100
Family Lodging Maximum Lodging night stays: one benefit per day, 30 days per benefit year - Employee: 100
Intensive care unit confinement (per day up to 15 days; payable in addition to any hospital confinement benefit) - Child: 500
Intensive care unit confinement (per day up to 15 days; payable in addition to any hospital confinement benefit) - Spouse: 500
Intensive care unit confinement (per day up to 15 days; payable in addition to any hospital confinement benefit) - Employee: 500
Intensive care unit admission (once per benefit year; payable instead of hospital admission benefit if confined immediately to ICU) - Child: 400
Intensive care unit admission (once per benefit year; payable instead of hospital admission benefit if confined immediately to ICU) - Spouse: 3000
Intensive care unit admission (once per benefit year; payable instead of hospital admission benefit if confined immediately to ICU) - Employee: 3000
FRACTURES:
Foot - Child: $1,500 / $750
Hand - Child: $1,500 / $750
Heel - Child: $1,500 / $750
Ankle - Child: $1,500 / $750
Elbow - Child: $1,500 / $750
Foot - Spouse: $1,500 / $750
Hand - Spouse: $1,500 / $750
Heel - Spouse: $1,500 / $750
Wrist - Child: $1,500 / $750
Ankle - Spouse: $1,500 / $750
Elbow - Spouse: $1,500 / $750
Wrist - Spouse: $1,500 / $750
Foot - Employee: $1,500 / $750
Forearm - Child: $1,500 / $750
Hand - Employee: $1,500 / $750
Heel - Employee: $1,500 / $750
Ankle - Employee: $1,500 / $750
Elbow - Employee: $1,500 / $750
Forearm - Spouse: $1,500 / $750
Knee cap - Child: $1,500 / $750
Shoulder - Child: $1,500 / $750
Wrist - Employee: $1,500 / $750
Knee cap - Spouse: $1,500 / $750
Lower jaw - Child: $1,500 / $750
Shoulder - Spouse: $1,500 / $750
Collarbone - Child: $1,500 / $750
Forearm - Employee: $1,500 / $750
Lower jaw - Spouse: $1,500 / $750
Collarbone - Spouse: $1,500 / $750
Knee cap - Employee: $1,500 / $750
Shoulder - Employee: $1,500 / $750
Lower jaw - Employee: $1,500 / $750
Collarbone - Employee: $1,500 / $750
Hip or thigh - Child: $10,000 / $5,000
Hip or thigh - Spouse: $10,000 / $5,000
Multiple ribs - Child: $2,000 / $1,000
Multiple ribs - Spouse: $2,000 / $1,000
Skull (simple) - Child: $7,000 / $3,500
Hip or thigh - Employee: $10,000 / $5,000
Skull (simple) - Spouse: $7,000 / $3,500
Multiple ribs - Employee: $2,000 / $1,000
Skull (depressed) - Child: $12,000 / $6,000
Skull (simple) - Employee: $7,000 / $3,500
Vertebral process - Child: $2,000 / $1,000
Skull (depressed) - Spouse: $12,000 / $6,000
Vertebral process - Spouse: $2,000 / $1,000
Skull (depressed) - Employee: $12,000 / $6,000
Vertebral process - Employee: $2,000 / $1,000
Bones of face or nose - Child: $2,000 / $1,000
Leg (tibia or fibula) - Child: $6,000 / $3,000
Bones of face or nose - Spouse: $2,000 / $1,000
Leg (tibia or fibula) - Spouse: $6,000 / $3,000
Upper jaw or upper arm - Child: $2,000 / $1,000
Upper jaw or upper arm - Spouse: $2,000 / $1,000
Bones of face or nose - Employee: $2,000 / $1,000
Leg (tibia or fibula) - Employee: $6,000 / $3,000
Pelvis (excluding coccyx) - Child: $8,000 / $4,000
Upper jaw or upper arm - Employee: $2,000 / $1,000
Pelvis (excluding coccyx) - Spouse: $8,000 / $4,000
Rib, finger, toe or coccyx - Child: $1,500 / $750
Rib, finger, toe or coccyx - Spouse: $1,500 / $750
Pelvis (excluding coccyx) - Employee: $8,000 / $4,000
Rib, finger, toe or coccyx - Employee: $1,500 / $750
Vertebrae (body of) or sternum - Child: $5,000 / $2,500
Vertebrae (body of) or sternum - Spouse: $5,000 / $2,500
Vertebrae (body of) or sternum - Employee: $5,000 / $2,500
Chip fractures and other fractures not reduced (not treated by a doctor) - Child: Pays 25% of the full amount if the bone is treated, with or without surgery.
Chip fractures and other fractures not reduced (not treated by a doctor) - Spouse: Pays 25% of the full amount if the bone is treated, with or without surgery.
Chip fractures and other fractures not reduced (not treated by a doctor) - Employee: Pays 25% of the full amount if the bone is treated, with or without surgery.
LACERATIONS:
Single laceration under 5 cm with suture - Child: 65
Single laceration under 5 cm with suture - Spouse: 65
Single laceration under 5 cm with suture - Employee: 65
Laceration(s) with no sutures and treated by a physician - Child: 35
Laceration(s) with no sutures and treated by a physician - Spouse: 35
Laceration(s) with no sutures and treated by a physician - Employee: 35
Lacerations 5–15 cm with sutures (total of all lacerations) - Child: 250
Lacerations 5–15 cm with sutures (total of all lacerations) - Spouse: 250
Lacerations 5–15 cm with sutures (total of all lacerations) - Employee: 250
Lacerations greater than 15 cm with sutures (total of all lacerations) - Child: 500
Lacerations greater than 15 cm with sutures (total of all lacerations) - Spouse: 500
Lacerations greater than 15 cm with sutures (total of all lacerations) - Employee: 500
DISLOCATIONS:
Shoulder - Child: $3,000 / $1,500
Lower jaw - Child: $1,500 / $750
Shoulder - Spouse: $3,000 / $1,500
Lower jaw - Spouse: $1,500 / $750
Shoulder - Employee: $3,000 / $1,500
Lower jaw - Employee: $1,500 / $750
Elbow or wrist - Child: $1,500 / $700
Elbow or wrist - Spouse: $1,500 / $700
Elbow or wrist - Employee: $1,500 / $700
Finger(s) or toe(s) - Child: $1,000 / $500
Finger(s) or toe(s) - Spouse: $1,000 / $500
Finger(s) or toe(s) - Employee: $1,000 / $500
Incomplete dislocation - Child: 25% of the applicable non -surgical procedure
Incomplete dislocation - Spouse: 25% of the applicable non -surgical procedure
Incomplete dislocation - Employee: 25% of the applicable non -surgical procedure
Collarbone or bones of the hand - Child: $4,000 / $2,000
Collarbone or bones of the hand - Spouse: $4,000 / $2,000
Knee, ankle or bones of the foot - Child: $5,000 / $2,500
Knee, ankle or bones of the foot - Spouse: $5,000 / $2,500
Collarbone or bones of the hand - Employee: $4,000 / $2,000
Knee, ankle or bones of the foot - Employee: $5,000 / $2,500
Hip (surgery required /no surgery required) - Child: $10,000 / $5,000
Hip (surgery required /no surgery required) - Spouse: $10,000 / $5,000
Hip (surgery required /no surgery required) - Employee: $10,000 / $5,000
EMERGENCYDENTAL:
Emergency dental crown - Child: 200
Emergency dental crown - Spouse: 200
Emergency dental crown - Employee: 200
Emergency dental extraction) - Child: 65
Emergency dental extraction) - Spouse: 65
Emergency dental extraction) - Employee: 65
Wellness screening benefit (once per benefit year) - Child: 50
Wellness screening benefit (once per benefit year) - Spouse: 50
Wellness screening benefit (once per benefit year) - Employee: 50
MEDICALSERVICES:
Anesthesia - Child: 100
Anesthesia - Spouse: 100
Anesthesia - Employee: 100
Medical devices - Child: 500
Medical devices - Spouse: 500
Prosthesis (one) - Child: 750
Prosthesis (two) - Child: 1500
Prescription drug - Child: 50
Prosthesis (one) - Spouse: 750
Prosthesis (two) - Spouse: 1500
Medical devices - Employee: 500
Prescription drug - Spouse: 50
Prosthesis (one) - Employee: 750
Prosthesis (two) - Employee: 1500
Prescription drug - Employee: 50
Blood, plasma or platelet transfusion - Child: 200
Blood, plasma or platelet transfusion - Spouse: 200
Blood, plasma or platelet transfusion - Employee: 200
Epidural pain management (up to 2 times per covered accident) - Child: 100
Epidural pain management (up to 2 times per covered accident) - Spouse: 100
Epidural pain management (up to 2 times per covered accident) - Employee: 100
Diagnostic exam (one-time per benefit year): X-ray (once per covered accident) - Child: 100
Diagnostic exam (one-time per benefit year): X-ray (once per covered accident) - Spouse: 100
Diagnostic exam (one-time per benefit year): X-ray (once per covered accident) - Employee: 100
Physical and occupational therapy (per visit, up to 10 times per covered accident) - Child: 100
Physical and occupational therapy (per visit, up to 10 times per covered accident) - Spouse: 100
Physical and occupational therapy (per visit, up to 10 times per covered accident) - Employee: 100
Diagnostic exam (one-time per benefit year): Arteriogram, angiogram, CT, CAT, EKG, EEG or MRI - Child: 200
Diagnostic exam (one-time per benefit year): Arteriogram, angiogram, CT, CAT, EKG, EEG or MRI - Spouse: 200
Physician’s follow-up treatment office visit (per visit, up to 10 times per covered accident) - Child: 75
Diagnostic exam (one-time per benefit year): Arteriogram, angiogram, CT, CAT, EKG, EEG or MRI - Employee: 200
Physician’s follow-up treatment office visit (per visit, up to 10 times per covered accident) - Spouse: 75
Accident emergency treatment (non-ER or non-urgent care facility) (one time per covered accident) - Child: 150
Accident emergency treatment (non-ER or non-urgent care facility) (one time per covered accident) - Spouse: 150
Physician’s follow-up treatment office visit (per visit, up to 10 times per covered accident) - Employee: 75
Accident emergency treatment (non-ER or non-urgent care facility) (one time per covered accident) - Employee: 150
WELLNESSBENEFIT:
ACCIDENTALDISMEMBERMENT:
Loss of sight or loss of an eye — one eye - Child: 5000
Loss of sight or loss of an eye — one eye - Spouse: 10000
Loss of hearing or loss of an ear — one ear - Child: 5000
Loss of hearing or loss of an ear — one ear - Spouse: 10000
Loss of sight or loss of an eye — one eye - Employee: 10000
Loss of hearing or loss of an ear — one ear - Employee: 10000
Loss of a finger or loss of a toe — one finger or one toe - Child: 500
Loss of a finger or loss of a toe — one finger or one toe - Spouse: 1000
Loss of a finger or loss of a toe — one finger or one toe - Employee: 1000
Loss of a finger or loss of a toe — two or more fingers or toes - Child: 1500
Loss of a finger or loss of a toe — two or more fingers or toes - Spouse: 3000
Loss of a finger or loss of a toe — two or more fingers or toes - Employee: 3000
Loss of hand — one hand, Loss of foot — one foot, Loss of leg — one leg or loss of arm — one arm - Child: 10000
Loss of hand — one hand, Loss of foot — one foot, Loss of leg — one leg or loss of arm — one arm - Spouse: 10000
Loss of hand — one hand, Loss of foot — one foot, Loss of leg — one leg or loss of arm — one arm - Employee: 10000
LIFEANDDISMEMBERMENTLOSSES:
Accidental Death - Child: 25000
Accidental Death - Spouse: 50000
Accidental Death - Employee: 50000
Accidental Death Common Carrier (If a person wo is covered dies in an accident while riding a commercial vehicle, like a plane, train, bus, ferry, or subway, the insurance pays a larger benefit than a standard accidental death) - Child: 100000
Accidental Death Common Carrier (If a person wo is covered dies in an accident while riding a commercial vehicle, like a plane, train, bus, ferry, or subway, the insurance pays a larger benefit than a standard accidental death) -Spouse: 200000
Accidental Death Common Carrier (If a person wo is covered dies in an accident while riding a commercial vehicle, like a plane, train, bus, ferry, or subway, the insurance pays a larger benefit than a standard accidental death) - Employee: 200000
Catastrophic loss: loss of arm or loss of hand — both arms or both hands, loss of leg or loss of foot — both legs or both feet, loss of hand and loss of foot or loss of arm and loss of leg — one hand and one foot or one arm and one leg, loss of an ear — both ears, irrecoverable loss of hearing — both ears, loss of an eye — both eyes, irrecoverable loss of sight — both eyes, irrecoverable loss of speech or ability to speak, or any combination equaling two or more losses from: loss of arm, loss of hand, loss of leg, loss of foot, loss of an ear or loss of an eye - Child: 25000
Catastrophic loss: loss of arm or loss of hand — both arms or both hands, loss of leg or loss of foot — both legs or both feet, loss of hand and loss of foot or loss of arm and loss of leg — one hand and one foot or one arm and one leg, loss of an ear — both ears, irrecoverable loss of hearing — both ears, loss of an eye — both eyes, irrecoverable loss of sight — both eyes, irrecoverable loss of speech or ability to speak, or any combination equaling two or more losses from: loss of arm, loss of hand, loss of leg, loss of foot, loss of an ear or loss of an eye - Spouse: 25000
Catastrophic loss: loss of arm or loss of hand — both arms or both hands, loss of leg or loss of foot — both legs or both feet, loss of hand and loss of foot or loss of arm and loss of leg — one hand and one foot or one arm and one leg, loss of an ear — both ears, irrecoverable loss of hearing — both ears, loss of an eye — both eyes, irrecoverable loss of sight — both eyes, irrecoverable loss of speech or ability to speak, or any combination equaling two or more losses from: loss of arm, loss of hand, loss of leg, loss of foot, loss of an ear or loss of an eye - Employee: 25000